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Exzeo Group, Inc. (XZO)
NYSE:XZO
US Market
XZO
Exzeo Group, Inc.
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Exzeo Group, Inc. (XZO) Ratios

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Exzeo Group, Inc. Ratios

XZO's free cash flow for Q1 2026 was $0.57. For the 2026 fiscal year, XZO's free cash flow was decreased by $ and operating cash flow was $0.50. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 20
Liquidity Ratios
Current Ratio
 2.65 3.86 0.00 0.00 0.00
Quick Ratio
 2.65 3.86 0.00 0.00 0.00
Cash Ratio
 2.35 3.62 0.00 0.00 0.00
Solvency Ratio
 0.74 0.92 0.63 0.04 -0.07
Operating Cash Flow Ratio
 0.89 1.19 0.00 0.00 0.00
Short-Term Operating Cash Flow Coverage
 35.98 0.00 90.01 34.22 0.00
Net Current Asset Value
$ 156.10M$ 232.24M$ -74.13M$ -554.71M$ -154.21M
Leverage Ratios
Debt-to-Assets Ratio
 0.02 0.02 0.09 0.11 0.14
Debt-to-Equity Ratio
 0.03 0.03 0.54 0.93 3.41
Debt-to-Capital Ratio
 0.02 0.03 0.35 0.48 0.77
Long-Term Debt-to-Capital Ratio
 0.02 0.00 0.00 0.45 0.77
Financial Leverage Ratio
 1.38 1.37 5.78 8.83 24.54
Debt Service Coverage Ratio
 31.69 0.00 14.64 9.67 0.00
Interest Coverage Ratio
 11.84K 0.00 0.00 0.00 0.00
Debt to Market Cap
 <0.01 0.00 <0.01 0.03 0.01
Interest Debt Per Share
 0.08 0.08 0.09 0.73 0.25
Net Debt to EBITDA
 -2.17 -2.63 -1.14 10.70 10.46
Profitability Margins
Gross Profit Margin
56.33%58.81%39.47%19.22%3.99%
EBIT Margin
48.23%50.83%28.38%2.89%-16.81%
EBITDA Margin
49.50%52.18%30.14%5.38%-14.68%
Operating Profit Margin
45.42%48.85%28.38%2.89%-16.81%
Pretax Profit Margin
48.23%50.83%26.31%1.00%-31.84%
Net Profit Margin
36.08%38.14%32.93%23.52%-24.03%
Continuous Operations Profit Margin
36.08%38.14%19.46%14.60%-24.03%
Net Income Per EBT
74.81%75.03%125.17%2352.77%75.48%
EBT Per EBIT
106.18%104.06%92.68%34.57%189.36%
Return on Assets (ROA)
19.81%23.80%49.20%3.32%-7.73%
Return on Equity (ROE)
37.15%32.56%284.41%29.32%-189.65%
Return on Capital Employed (ROCE)
33.69%40.25%42.41%0.41%-5.41%
Return on Invested Capital (ROIC)
24.98%29.92%1319.20%147.20%0.00%
Return on Tangible Assets
19.81%23.80%49.20%3.32%-7.73%
Earnings Yield
6.45%3.75%2.31%1.09%-0.65%
Efficiency Ratios
Receivables Turnover
 25.43 11.47 23.58 9.68 6.52
Payables Turnover
 0.00 11.83 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 12.39 12.37 7.12 5.09 8.12
Asset Turnover
 0.55 0.62 1.49 0.14 0.32
Working Capital Turnover Ratio
 1.03 1.80 0.00 0.00 0.00
Cash Conversion Cycle
 14.35 0.98 15.48 37.72 55.98
Days of Sales Outstanding
 14.35 31.83 15.48 37.72 55.98
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 30.86 0.00 0.00 0.00
Operating Cycle
 14.35 31.83 15.48 37.72 55.98
Cash Flow Ratios
Operating Cash Flow Per Share
 0.97 1.10 2.11 0.65 0.33
Free Cash Flow Per Share
 0.94 1.07 2.08 0.62 0.32
CapEx Per Share
 0.03 0.03 0.04 0.04 0.02
Free Cash Flow to Operating Cash Flow
 0.97 0.97 0.98 0.95 0.95
Dividend Paid and CapEx Coverage Ratio
 34.34 35.27 30.67 5.93 20.45
Capital Expenditure Coverage Ratio
 34.34 35.27 57.56 18.28 20.45
Operating Cash Flow Coverage Ratio
 12.72 13.84 22.98 0.90 1.36
Operating Cash Flow to Sales Ratio
 0.42 0.46 1.43 0.67 0.59
Free Cash Flow Yield
7.33%4.42%9.89%2.94%1.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 15.51 26.64 43.24 91.80 -153.51
Price-to-Sales (P/S) Ratio
 5.60 10.16 14.24 21.59 36.89
Price-to-Book (P/B) Ratio
 4.25 8.67 122.99 26.91 291.13
Price-to-Free Cash Flow (P/FCF) Ratio
 13.64 22.62 10.11 33.98 66.00
Price-to-Operating Cash Flow Ratio
 13.24 21.98 9.94 32.12 62.77
Price-to-Earnings Growth (PEG) Ratio
 0.12 0.20 0.23 -0.77 -1.83
Price-to-Fair Value
 4.25 8.67 122.99 26.91 291.13
Enterprise Value Multiple
 9.13 16.84 46.09 411.71 -240.82
Enterprise Value
 942.94M 1.91B 1.86B 1.96B 1.83B
EV to EBITDA
 9.13 16.84 46.09 411.71 -240.82
EV to Sales
 4.52 8.79 13.89 22.17 35.35
EV to Free Cash Flow
 11.02 19.56 9.87 34.89 63.25
EV to Operating Cash Flow
 10.70 19.01 9.70 32.98 60.16
Tangible Book Value Per Share
 3.02 2.80 0.17 0.78 0.07
Shareholders’ Equity Per Share
 3.02 2.80 0.17 0.78 0.07
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.26 -13.61 0.25
Revenue Per Share
 2.29 2.39 1.48 0.97 0.57
Net Income Per Share
 0.83 0.91 0.49 0.23 -0.14
Tax Burden
 0.75 0.75 1.25 23.53 0.75
Interest Burden
 1.00 1.00 0.93 0.35 1.89
Research & Development to Revenue
 <0.01 0.00 0.00 0.00 0.00
SG&A to Revenue
 <0.01 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 0.01 0.00 0.00 0.00
Income Quality
 1.18 1.21 7.52 4.67 -2.45
Currency in USD