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STOCKS

Exzeo Group, Inc. (XZO)

NYSE:XZO

XZO

Exzeo Group, Inc.

RESEARCH TOOLSreports

Exzeo Group, Inc. (XZO) Ratios

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6 Followers

Exzeo Group, Inc. Ratios

XZO's free cash flow for Q4 2025 was $0.65. For the 2025 fiscal year, XZO's free cash flow was decreased by $ and operating cash flow was $0.54. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 20
Liquidity Ratios
Current Ratio	3.86	3.86	0.00	0.00	0.00
Quick Ratio	3.86	3.86	0.00	0.00	0.00
Cash Ratio	3.62	3.62	0.00	0.00	0.00
Solvency Ratio	0.47	0.92	0.63	0.04	-0.07
Operating Cash Flow Ratio	0.51	1.19	0.00	0.00	0.00
Short-Term Operating Cash Flow Coverage	0.00	0.00	90.01	34.22	0.00
Net Current Asset Value	$ 232.24M	$ 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	0.03	0.03	0.35	0.48	0.77
Long-Term Debt-to-Capital Ratio	0.00	0.00	0.00	0.45	0.77
Financial Leverage Ratio	1.37	1.37	5.78	8.83	24.54
Debt Service Coverage Ratio	0.00	0.00	14.64	9.67	0.00
Interest Coverage Ratio	0.00	0.00	0.00	0.00	0.00
Debt to Market Cap	0.00	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	-5.18	-2.63	-1.14	10.70	10.46
Profitability Margins
Gross Profit Margin	63.28%	60.38%	39.47%	19.22%	3.99%
EBIT Margin	51.72%	50.83%	28.38%	2.89%	-16.81%
EBITDA Margin	53.10%	52.18%	30.14%	5.38%	-14.68%
Operating Profit Margin	49.84%	48.85%	28.38%	2.89%	-16.81%
Pretax Profit Margin	52.73%	50.83%	26.31%	1.00%	-31.84%
Net Profit Margin	38.82%	38.14%	32.93%	23.52%	-24.03%
Continuous Operations Profit Margin	39.76%	38.14%	19.46%	14.60%	-24.03%
Net Income Per EBT	73.61%	75.03%	125.17%	2352.77%	75.48%
EBT Per EBIT	105.81%	104.06%	92.68%	34.57%	189.36%
Return on Assets (ROA)	12.11%	23.80%	49.20%	3.32%	-7.73%
Return on Equity (ROE)	25.32%	32.56%	284.41%	29.32%	-189.65%
Return on Capital Employed (ROCE)	20.53%	40.25%	42.41%	0.41%	-5.41%
Return on Invested Capital (ROIC)	15.34%	29.92%	1319.20%	147.20%	0.00%
Return on Tangible Assets	12.11%	23.80%	49.20%	3.32%	-7.73%
Earnings Yield	2.94%	3.75%	2.31%	1.09%	-0.65%
Efficiency Ratios
Receivables Turnover	12.40	24.81	23.58	9.68	6.52
Payables Turnover	5.27	11.38	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	6.18	12.37	7.12	5.09	8.12
Asset Turnover	0.31	0.62	1.49	0.14	0.32
Working Capital Turnover Ratio	0.54	1.80	0.00	0.00	0.00
Cash Conversion Cycle	-39.80	-17.37	15.48	37.72	55.98
Days of Sales Outstanding	29.43	14.71	15.48	37.72	55.98
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	69.22	32.08	0.00	0.00	0.00
Operating Cycle	29.43	14.71	15.48	37.72	55.98
Cash Flow Ratios
Operating Cash Flow Per Share	0.47	1.10	2.11	0.65	0.33
Free Cash Flow Per Share	0.45	1.07	2.08	0.62	0.32
CapEx Per Share	0.02	0.03	0.04	0.04	0.02
Free Cash Flow to Operating Cash Flow	0.96	0.97	0.98	0.95	0.95
Dividend Paid and CapEx Coverage Ratio	26.87	35.27	30.67	5.93	20.45
Capital Expenditure Coverage Ratio	26.87	35.27	57.56	18.28	20.45
Operating Cash Flow Coverage Ratio	5.90	13.84	22.98	0.90	1.36
Operating Cash Flow to Sales Ratio	0.39	0.46	1.43	0.67	0.59
Free Cash Flow Yield	2.88%	4.42%	9.89%	2.94%	1.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	33.51	26.64	43.24	91.80	-153.51
Price-to-Sales (P/S) Ratio	13.01	10.16	14.24	21.59	36.89
Price-to-Book (P/B) Ratio	5.55	8.67	122.99	26.91	291.13
Price-to-Free Cash Flow (P/FCF) Ratio	34.26	22.62	10.11	33.98	66.00
Price-to-Operating Cash Flow Ratio	32.99	21.98	9.94	32.12	62.77
Price-to-Earnings Growth (PEG) Ratio	0.51	0.20	0.23	-0.77	-1.83
Price-to-Fair Value	5.55	8.67	122.99	26.91	291.13
Enterprise Value Multiple	19.32	16.84	46.09	411.71	-240.82
Enterprise Value	1.13B	1.91B	1.86B	1.96B	1.83B
EV to EBITDA	19.67	16.84	46.09	411.71	-240.82
EV to Sales	10.44	8.79	13.89	22.17	35.35
EV to Free Cash Flow	27.51	19.56	9.87	34.89	63.25
EV to Operating Cash Flow	26.49	19.01	9.70	32.98	60.16
Tangible Book Value Per Share	2.80	2.80	0.17	0.78	0.07
Shareholders’ Equity Per Share	2.80	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	1.19	2.39	1.48	0.97	0.57
Net Income Per Share	0.46	0.91	0.49	0.23	-0.14
Tax Burden	0.74	0.75	1.25	23.53	0.75
Interest Burden	1.02	1.00	0.93	0.35	1.89
Research & Development to Revenue	0.04	0.04	0.00	0.00	0.00
SG&A to Revenue	0.00	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	1.01	1.21	7.52	4.67	-2.45

Currency in USD