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XZO (Exzeo Group, Inc.) Stock Financials & Earnings | Market Cap Arena
XZO
Exzeo Group, Inc.
Mkt Cap
$1B
Financial Services
·
Insurance - Diversified
·
🇺🇸 United States
·
NYSE
Revenue (TTM)
$185M
Net Income (TTM)
$47M
EPS (TTM)
$0.35
Free Cash Flow (TTM)
$44M
Gross Margin
45.9%
Op. Margin
34.0%
Net Margin
25.2%
FCF Margin
23.5%
P/S Ratio (TTM)
7.5x
P/E Ratio (TTM)
29.9x
YoY Rev Growth
+155.4%
Employees
—
Earnings Reports
▶
Q4 2025
NEW
Browse All Reports
Quarterly
FY
Revenue & Profitability
Revenue
Gross Profit
Operating Income
Quarter
Revenue
Gross Profit
Op. Income
Q1 20
$13M
$3M
$112K
Q2 20
$14M
$2M
-$147K
Q3 20
$10M
-$1M
-$4M
Q4 20
$15M
-$2M
-$5M
Q1 21
$20M
$2M
-$548K
Q2 21
$28M
$4M
-$821K
Q3 21
$32M
-$2M
-$7M
Q4 24
$45M
$19M
$16M
Q3 25
$55M
$34M
$27M
Q4 25
$53M
$35M
$27M
marketcaparena.com
Revenue Breakdown
XZO
Exzeo Group, Inc.
Revenue Breakdown
Q4 2025
marketcaparena.com
Valuation
P/S Ratio
P/E Ratio
Quarter
P/S
P/E
Q1 20
—
—
Q2 20
—
—
Q3 20
—
—
Q4 20
27.0x
—
Q1 21
23.7x
—
Q2 21
19.2x
—
Q3 21
14.7x
—
Q4 24
11.2x
—
Q3 25
8.7x
65.0x
Q4 25
7.5x
29.9x
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Operating Cash Flow
Operating Cash Flow
Free Cash Flow
Quarter
Operating CF
Free CF
Q1 20
$9M
$9M
Q2 20
$7M
$7M
Q3 20
-$4M
-$4M
Q4 20
$18M
$18M
Q1 21
$27M
$26M
Q2 21
$1M
$821K
Q3 21
-$16M
-$17M
Q4 24
$20M
$19M
Q3 25
$31M
$30M
Q4 25
$11M
$11M
marketcaparena.com
Capital Expenditures
CapEx
Quarter
CapEx
Q1 20
$305K
Q2 20
$413K
Q3 20
$380K
Q4 20
$388K
Q1 21
$520K
Q2 21
$526K
Q3 21
$519K
Q4 24
$648K
Q3 25
$1M
Q4 25
$403K
marketcaparena.com
OpEx vs Revenue Growth (YoY)
Revenue Growth
OpEx Growth
Quarter
Revenue Growth
OpEx Growth
Q1 21
+54.3%
+59.9%
Q2 21
+100.5%
+104.2%
Q3 21
+219.8%
+180.7%
Q4 24
+200.4%
+46.6%
Q3 25
+175.7%
+35.8%
Q4 25
+92.9%
-6.9%
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Stock-Based Compensation
SBC ($)
% of Revenue
Quarter
SBC ($)
% of Revenue
Q1 20
$0
0.0%
Q2 20
$0
0.0%
Q3 20
$0
0.0%
Q4 20
$0
0.0%
Q1 21
$0
0.0%
Q2 21
$0
0.0%
Q3 21
$0
0.0%
Q4 24
$551K
1.2%
Q3 25
$731K
1.3%
Q4 25
$0
0.0%
marketcaparena.com
OpEx Breakdown
R&D
SG&A
Quarter
R&D
SG&A
Q4 24
$1M
$2M
Q3 25
$2M
$4M
Q4 25
$2M
$6M
marketcaparena.com
War Chest
Cash & Equivalents
Short-Term Investments
Quarter
Cash
Short-term Investments
Total
Q4 20
$102M
$2M
$104M
Q1 21
$203M
$2M
$205M
Q2 21
$203M
$3M
$205M
Q3 21
$183M
$5M
$188M
Q3 25
$141M
$0
$141M
Q4 25
$305M
$0
$305M
marketcaparena.com
Shares Outstanding
Shares Outstanding
Quarter
Shares (Diluted)
QoQ Change
Q1 20
91M
—
Q2 20
91M
+0.0%
Q3 20
91M
+0.0%
Q4 20
91M
+0.0%
Q1 21
91M
+0.0%
Q2 21
91M
+0.0%
Q3 21
91M
+0.0%
Q4 24
0
-100.0%
Q3 25
91M
—
Q4 25
91M
+0.2%
marketcaparena.com
Revenue Per Employee
Revenue / Employee
Year
Revenue/Employee
Employees
FY 19
—
—
FY 20
—
—
FY 22
—
—
FY 23
—
—
FY 24
—
—
FY 25
$613K
354
marketcaparena.com
