EXZEO GROUP INC (XZO) Fundamental Analysis & Valuation

NYSE:XZO • US30234F1012

Current stock price

13.73 USD
-0.27 (-1.93%)
At close:
13.73 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.
  • XZO had a positive operating cash flow in the past year.
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 has a better Return On Assets (23.80%) than 99.32% of its industry peers.
  • XZO's Return On Equity of 32.56% is amongst the best of the industry. XZO outperforms 94.59% of its industry peers.
  • XZO has a Return On Invested Capital of 29.99%. This is amongst the best in the industry. XZO outperforms 98.65% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for XZO is significantly above the industry average of 9.34%.
  • The 3 year average ROIC (38.77%) for XZO is well above the current ROIC(29.99%). The reason for the recent decline needs to be investigated.
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's Profit Margin of 38.14% is amongst the best of the industry. XZO outperforms 97.97% of its industry peers.
  • XZO has a better Operating Margin (48.85%) than 98.65% of its industry peers.
  • Looking at the Gross Margin, with a value of 60.38%, XZO belongs to the top of the industry, outperforming 95.27% of the companies in the same industry.
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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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. XZO Health Analysis

2.1 Basic Checks

  • XZO has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
  • The number of shares outstanding for XZO has been increased compared to 1 year ago.
  • XZO has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 10.57 indicates that XZO is not in any danger for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 10.57, XZO belongs to the top of the industry, outperforming 99.32% of the companies in the same industry.
  • 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 10.57
ROIC/WACC3.3
WACC9.08%
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 has a Current ratio of 3.86. This is amongst the best in the industry. XZO outperforms 95.95% 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 95.95% 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

  • XZO shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 171.63%, which is quite impressive.
  • 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 15.11% yearly.
  • Based on estimates for the next years, XZO will show a quite strong growth in Revenue. The Revenue will grow by 15.25% on average per year.
EPS Next Y10.63%
EPS Next 2Y15.11%
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

  • Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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 13.33, which indicates a correct valuation of XZO.
  • Based on the Price/Earnings ratio, XZO is valued a bit more expensive than 62.16% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.88, XZO is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 13.79, the valuation of XZO can be described as correct.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of XZO indicates a slightly more expensive valuation: XZO is more expensive than 62.84% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of XZO to the average of the S&P500 Index (22.19), we can say XZO is valued slightly cheaper.
Industry RankSector Rank
PE 13.33
Fwd PE 13.79
XZO Price Earnings VS Forward Price EarningsXZO Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • XZO's Enterprise Value to EBITDA ratio is in line with the industry average.
  • 60.14% of the companies in the same industry are cheaper than XZO, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 12.81
EV/EBITDA 8.66
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 15.11% in the coming years.
PEG (NY)1.25
PEG (5Y)N/A
EPS Next 2Y15.11%
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

  • XZO does not give a dividend.
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 (3/27/2026, 8:04:00 PM)

After market: 13.73 0 (0%)

13.73

-0.27 (-1.93%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-25
Earnings (Next)N/A
Inst Owners9.02%
Inst Owner ChangeN/A
Ins Owners3.66%
Ins Owner Change0.17%
Market Cap1.25B
Revenue(TTM)216.98M
Net Income(TTM)82.75M
Analysts82.86
Price Target26.52 (93.15%)
Short Float %2.09%
Short Ratio1.59
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
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)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.33
Fwd PE 13.79
P/S 5.75
P/FCF 12.81
P/OCF 12.44
P/B 4.91
P/tB 4.91
EV/EBITDA 8.66
EPS(TTM)1.03
EY7.5%
EPS(NY)1
Fwd EY7.25%
FCF(TTM)1.07
FCFY7.81%
OCF(TTM)1.1
OCFY8.04%
SpS2.39
BVpS2.8
TBVpS2.8
PEG (NY)1.25
PEG (5Y)N/A
Graham Number8.05
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 10.57
F-Score6
WACC9.08%
ROIC/WACC3.3
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 2Y15.11%
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 Year26.28%
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.


Can you provide the profitability details for EXZEO GROUP INC?

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


What is the expected EPS growth for EXZEO GROUP INC (XZO) stock?

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