EXZEO GROUP INC (XZO) Fundamental Analysis & Valuation

NYSE:XZO • US30234F1012

Current stock price

16.84 USD
+0.48 (+2.93%)
At close:
16.84 USD
0 (0%)
After Hours:

This XZO fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. XZO Profitability Analysis

1.1 Basic Checks

  • XZO had positive earnings in the past year.
  • In the past year XZO had a positive cash flow from operations.
XZO Yearly Net Income VS EBIT VS OCF VS FCFXZO Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2022 2023 2024 2025 0 50M -50M 100M 150M

1.2 Ratios

  • XZO's Return On Assets of 23.80% is amongst the best of the industry. XZO outperforms 99.32% of its industry peers.
  • XZO has a Return On Equity of 32.56%. This is amongst the best in the industry. XZO outperforms 93.88% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 29.99%, XZO belongs to the top of the industry, outperforming 98.64% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for XZO is significantly above the industry average of 9.51%.
  • The last Return On Invested Capital (29.99%) for XZO is well below the 3 year average (38.77%), which needs to be investigated, but indicates that XZO had better years and this may not be a problem.
Industry RankSector Rank
ROA 23.8%
ROE 32.56%
ROIC 29.99%
ROA(3y)21.69%
ROA(5y)N/A
ROE(3y)92.15%
ROE(5y)N/A
ROIC(3y)38.77%
ROIC(5y)N/A
XZO Yearly ROA, ROE, ROICXZO Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2022 2023 2024 2025 50 100 150 200

1.3 Margins

  • XZO has a better Profit Margin (38.14%) than 96.60% of its industry peers.
  • XZO has a Operating Margin of 48.85%. This is amongst the best in the industry. XZO outperforms 98.64% of its industry peers.
  • XZO's Gross Margin of 60.38% is amongst the best of the industry. XZO outperforms 95.24% of its industry peers.
Industry RankSector Rank
OM 48.85%
PM (TTM) 38.14%
GM 60.38%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
XZO Yearly Profit, Operating, Gross MarginsXZO Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2022 2023 2024 2025 0 50 -50 -100

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9

2. XZO Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), XZO is creating value.
  • Compared to 1 year ago, XZO has more shares outstanding
  • There is no outstanding debt for XZO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
XZO Yearly Shares OutstandingXZO Yearly Shares OutstandingYearly Shares Outstanding 2024 2025 20M 40M 60M 80M
XZO Yearly Total Debt VS Total AssetsXZO Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2023 2024 2025 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 12.10 indicates that XZO is not in any danger for bankruptcy at the moment.
  • XZO's Altman-Z score of 12.10 is amongst the best of the industry. XZO outperforms 99.32% of its industry peers.
  • There is no outstanding debt for XZO. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 12.1
ROIC/WACC3.35
WACC8.95%
XZO Yearly LT Debt VS Equity VS FCFXZO Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

2.3 Liquidity

  • A Current Ratio of 3.86 indicates that XZO has no problem at all paying its short term obligations.
  • XZO's Current ratio of 3.86 is amongst the best of the industry. XZO outperforms 95.24% of its industry peers.
  • XZO has a Quick Ratio of 3.86. This indicates that XZO is financially healthy and has no problem in meeting its short term obligations.
  • XZO has a better Quick ratio (3.86) than 95.24% of its industry peers.
Industry RankSector Rank
Current Ratio 3.86
Quick Ratio 3.86
XZO Yearly Current Assets VS Current LiabilitesXZO Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2023 2024 2025 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. XZO Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 171.63% over the past year.
  • The Revenue has grown by 61.99% in the past year. This is a very strong growth!
  • Measured over the past years, XZO shows a very strong growth in Revenue. The Revenue has been growing by 68.16% on average per year.
EPS 1Y (TTM)171.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%250.78%
Revenue 1Y (TTM)61.99%
Revenue growth 3Y68.16%
Revenue growth 5YN/A
Sales Q2Q%19.72%

3.2 Future

  • XZO is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.28% yearly.
  • The Revenue is expected to grow by 15.25% on average over the next years. This is quite good.
EPS Next Y10.63%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.45%
Revenue Next 2Y15.25%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
XZO Yearly Revenue VS EstimatesXZO Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M 250M
XZO Yearly EPS VS EstimatesXZO Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

3

4. XZO Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.35, which indicates a correct valuation of XZO.
  • XZO's Price/Earnings ratio is a bit more expensive when compared to the industry. XZO is more expensive than 70.07% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.42. XZO is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 16.92 indicates a correct valuation of XZO.
  • Based on the Price/Forward Earnings ratio, XZO is valued a bit more expensive than the industry average as 68.71% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. XZO is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 16.35
Fwd PE 16.92
XZO Price Earnings VS Forward Price EarningsXZO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • XZO's Enterprise Value to EBITDA is on the same level as the industry average.
  • Based on the Price/Free Cash Flow ratio, XZO is valued a bit more expensive than the industry average as 60.54% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.71
EV/EBITDA 10.85
XZO Per share dataXZO EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5 2 2.5

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
  • XZO has a very decent profitability rating, which may justify a higher PE ratio.
  • A more expensive valuation may be justified as XZO's earnings are expected to grow with 15.28% in the coming years.
PEG (NY)1.54
PEG (5Y)N/A
EPS Next 2Y15.28%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. XZO Dividend Analysis

5.1 Amount

  • No dividends for XZO!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

XZO Fundamentals: All Metrics, Ratios and Statistics

EXZEO GROUP INC

NYSE:XZO (4/24/2026, 8:15:21 PM)

After market: 16.84 0 (0%)

16.84

+0.48 (+2.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners9.03%
Inst Owner Change0.1%
Ins Owners3.7%
Ins Owner Change0.2%
Market Cap1.53B
Revenue(TTM)216.98M
Net Income(TTM)82.75M
Analysts82.86
Price Target26.52 (57.48%)
Short Float %4.4%
Short Ratio2.56
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-8.81%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 16.35
Fwd PE 16.92
P/S 7.06
P/FCF 15.71
P/OCF 15.26
P/B 6.02
P/tB 6.02
EV/EBITDA 10.85
EPS(TTM)1.03
EY6.12%
EPS(NY)1
Fwd EY5.91%
FCF(TTM)1.07
FCFY6.37%
OCF(TTM)1.1
OCFY6.55%
SpS2.39
BVpS2.8
TBVpS2.8
PEG (NY)1.54
PEG (5Y)N/A
Graham Number8.04923 (-52.2%)
Profitability
Industry RankSector Rank
ROA 23.8%
ROE 32.56%
ROCE 40.25%
ROIC 29.99%
ROICexc N/A
ROICexgc N/A
OM 48.85%
PM (TTM) 38.14%
GM 60.38%
FCFM 44.91%
ROA(3y)21.69%
ROA(5y)N/A
ROE(3y)92.15%
ROE(5y)N/A
ROIC(3y)38.77%
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)52.03%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.62
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 96.93%
Cap/Sales 1.31%
Interest Coverage 250
Cash Conversion 92.08%
Profit Quality 117.77%
Current Ratio 3.86
Quick Ratio 3.86
Altman-Z 12.1
F-Score6
WACC8.95%
ROIC/WACC3.35
Cap/Depr(3y)128.53%
Cap/Depr(5y)N/A
Cap/Sales(3y)2.49%
Cap/Sales(5y)N/A
Profit Quality(3y)372.68%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)171.63%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%250.78%
EPS Next Y10.63%
EPS Next 2Y15.28%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)61.99%
Revenue growth 3Y68.16%
Revenue growth 5YN/A
Sales Q2Q%19.72%
Revenue Next Year14.45%
Revenue Next 2Y15.25%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y178.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year26.47%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-48.32%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-47.74%
OCF growth 3YN/A
OCF growth 5YN/A

EXZEO GROUP INC / XZO Fundamental Analysis FAQ

What is the fundamental rating for XZO stock?

ChartMill assigns a fundamental rating of 7 / 10 to XZO.


Can you provide the valuation status for EXZEO GROUP INC?

ChartMill assigns a valuation rating of 3 / 10 to EXZEO GROUP INC (XZO). This can be considered as Overvalued.


How profitable is EXZEO GROUP INC (XZO) stock?

EXZEO GROUP INC (XZO) has a profitability rating of 7 / 10.


Can you provide the PE and PB ratios for XZO stock?

The Price/Earnings (PE) ratio for EXZEO GROUP INC (XZO) is 16.35 and the Price/Book (PB) ratio is 6.02.


Can you provide the expected EPS growth for XZO stock?

The Earnings per Share (EPS) of EXZEO GROUP INC (XZO) is expected to grow by 10.63% in the next year.