Exzeo Group, Inc. (XZO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Exzeo Group, Inc. stock (XZO) is currently trading at $14.54. Exzeo Group, Inc. PE ratio is 14.86. Exzeo Group, Inc. PS ratio (Price-to-Sales) is 6.04. Analyst consensus price target for XZO is $26.00. WallStSmart rates XZO as Hold.
- XZO PE ratio analysis and historical PE chart
- XZO PS ratio (Price-to-Sales) history and trend
- XZO intrinsic value — DCF, Graham Number, EPV models
- XZO stock price prediction 2025 2026 2027 2028 2029 2030
- XZO fair value vs current price
- XZO insider transactions and insider buying
- Is XZO undervalued or overvalued?
- Exzeo Group, Inc. financial analysis — revenue, earnings, cash flow
- XZO Piotroski F-Score and Altman Z-Score
- XZO analyst price target and Smart Rating
Exzeo Group, Inc.
📊 No data available
Try selecting a different time range
XZO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Exzeo Group, Inc. (XZO)
XZO trades at a significant discount to its Graham intrinsic value of $46.33, offering a 66% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Exzeo Group, Inc. (XZO) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, revenue growth. Concerns around price/book and institutional own.. Fundamentals are solid but monitor weak areas for improvement.
Exzeo Group, Inc. (XZO) Key Strengths (5)
Every $100 of shareholder equity generates $61 in profit
Keeps $52 of every $100 in revenue after operating costs
Earnings per share surging 71.40% year-over-year
Keeps $37 of every $100 in revenue as net profit
Strong revenue growth at 23.70% annually
Supporting Valuation Data
Exzeo Group, Inc. (XZO) Areas to Watch (4)
Very expensive at 5.3x book value
Very low institutional interest at 9.02%
Premium valuation at 6.0x annual revenue
Small-cap company with higher risk but more growth potential
Supporting Valuation Data
Exzeo Group, Inc. (XZO) Detailed Analysis Report
Overall Assessment
This company scores 61/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.6/10) while 4 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Return on Equity, Operating Margin, EPS Growth. Profitability is solid with Return on Equity at 61.40%, Operating Margin at 52.10%, Profit Margin at 37.40%. Growth metrics are encouraging with Revenue Growth at 23.70%, EPS Growth at 71.40%.
The Bear Case
The primary concerns are Price/Book, Institutional Own., Price/Sales. Some valuation metrics including Price/Sales (6.04), Price/Book (5.26) suggest expensive pricing.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Book improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 61.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 23.70% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Return on Equity, Operating Margin) and negatives (Price/Book, Institutional Own.). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
XZO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
XZO's Price-to-Sales ratio of 6.04x sits near its historical average of 6.45x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 12% below its historical high of 6.88x set in Mar 2026, and 0% above its historical low of 6.04x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~6.9x as trailing revenue scaled faster than the stock price.
Compare XZO with Competitors
Top INSURANCE - DIVERSIFIED stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Exzeo Group, Inc. (XZO) · FINANCIAL SERVICES › INSURANCE - DIVERSIFIED
The Big Picture
Exzeo Group, Inc. is a strong growth company balancing expansion with improving profitability. Revenue reached 221M with 24% growth year-over-year. Profit margins are strong at 37.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 61.4% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 37.4% and operating margin of 52.1% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can Exzeo Group, Inc. maintain 24%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INSURANCE - DIVERSIFIED industry trends, competitive moves, and regulatory changes that could impact Exzeo Group, Inc..
Bottom Line
Exzeo Group, Inc. offers an attractive blend of growth (24% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:12:19 AM
About Exzeo Group, Inc.(XZO)
NYSE
FINANCIAL SERVICES
INSURANCE - DIVERSIFIED
USA
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. The company is headquartered in Tampa, Florida.