Exzeo Group, Inc.
XZOExzeo Group, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it.
Biggest watch item: the price is not yet in a confirmed uptrend — timing risk, not thesis risk.
The price is between stages while the P/BV sits at the 53rd percentile of its own 1-year range. Underneath, the last four quarters read mixed — profit +0.0% year on year, with the the net margin at 33.3%. What settles it: the next one or two quarters of delivery.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Exzeo Group, Inc. trades at $16.3, between stages. It sits at 34% of a 52-week range of $13 to $23. On relative strength it has been ahead of the S&P 500 on a trailing-13-week view for 1 straight week.
Today the stock is between stages. At $16.3 it trades near its long-run average and sits at 34% of its 52-week range ($13–$23).
Against the market, two honest reads. Cumulative: over the last 8 months the stock moved −16% while the S&P 500 moved +15% — behind the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 1 straight week — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each $1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Exzeo Group, Inc. trades at 5.4× P/BV, mid-range by its own standards (53rd percentile). Its long-run median P/BV is 5.3×, measured across 0.7 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 5.4× is mid-range by its own standards (53rd percentile), against a long-run median of 5.3× measured over 0.7 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
Put together: the multiple is unremarkable against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: No read Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Exzeo Group, Inc. reads as no read on its fundamental arc. Under eight usable quarters on the growth trio — not enough history for an honest trajectory read. The read is built from 9 quarters across 2 curves, on partial evidence.
Why it matters: with too little history, an honest page says so instead of guessing a trajectory.
Fewer than eight usable quarters on the growth curves — this page will not guess a trajectory from a stub of history.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +69.2% | +63.9% | +34.5% | — |
| Profit | +60.0% | — | — | — |
| EPS | +125.0% | — | — | — |
4-Factor Sector Score
55.7/100 — rank 9 of 10 in Insurance - Diversified · 47% evidence confidence · provisional, ranked below fully-evidenced peers
Exzeo Group, Inc. scores 55.7 out of 100 against the 10 companies it is compared with in Insurance - Diversified, ranking 9. Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral.
The four contributions add to the total exactly: 22.4 + 17.6 + 5.7 + 10 = 55.7. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fees from its businesses.
Exzeo Group, Inc. reported $0.1 B of income in the Mar 26 quarter, +20.0% year on year. That is the 4th straight quarter of year-on-year growth. Over 5 years it has compounded at 34.5% a year. The last full year, FY25, came in at $0.2 B. The last four reported quarters add to $0.2 B.
FY25 revenue came in at $0.2 B (+69.2% on the year), capping 5 years at 34.5% compound. The latest quarter (Mar 26) printed $0.1 B, +20.0% year on year — the 4th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +52.9% growth against the decade's 34.5% — the current year is running faster than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +69.2% over the last 4 quarters against +56.3%/yr over the last 8 — accelerating.
Net margin Net margin — what the bank keeps of every $100 of revenue after every cost, provision and tax. With big fee businesses in the mix, it is the cleanest margin we can read for this bank.
Exzeo Group, Inc.'s net margin is 33.3% in the Mar 26 quarter, −6.7 percentage points against the same quarter a year ago. Across the last four quarters the net margin has moved −16.7 percentage points. Across 5 fiscal years the net margin has ranged −120.0% to 38.5%. The current quarter sits inside that band.
The latest quarter's net margin is 33.3%, −6.7 pp against the same quarter a year ago. Across 5 fiscal years the net margin has ranged −120.0%–38.5%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Exzeo Group, Inc. earned $0.0 B of net profit in the Mar 26 quarter, +0.0% year on year. Full-year FY25 profit was $0.1 B. That is 33.3% of the quarter's revenue. The same quarter a year earlier earned $0.0 B. 1 of the last 12 reported quarters were loss-making.
Mar 26 profit was $0.0 B, +0.0% year on year. On the full year, FY25 printed $0.1 B (+60.0%).
🚨 Why profit moved: revenue contributed +20.0% and the margin −6.7 pp — the quarter was revenue-led despite a thinner margin.
Pace comparison, last four quarters: profit +62.5% vs revenue +52.9%. Profit is growing faster than sales — fixed costs are being spread over a bigger base, and each extra dollar of revenue drops more to the bottom line.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Loan-book quality history is not available for Exzeo Group, Inc., so this section names the gap rather than estimating a ratio. No gross or net non-performing-asset series is filed in a form this page can read, and none is inferred from the profit line. The income, margin and return sections above carry the evidence this business does report.
We do not hold quarterly loan-book quality numbers for this bank, so this section states that plainly rather than working around it.
Why: loan-book quality is the engine room of a bank, and its drivers — slippages, recoveries, provisioning — sit below what we hold for this name; the sections around it carry the reads we can stand behind.
The loan book We read the loan book through revenue — when the book and the businesses grow, revenue grows with them. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Exzeo Group, Inc.'s revenue grew +69.2% in FY25 to $0.2 B, so the book is growing. The latest quarter ran +20.0% year on year. The net margin on that income is 33.3%, −6.7 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY25 revenue was $0.2 B, +69.2% on the year, and the latest quarter ran +20.0% year on year. The net margin on that revenue is 33.3% this quarter (−6.7 pp YoY) — growth with a narrowing margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — with quarterly loan-quality numbers missing here, revenue growth and margin are the two we watch.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Exzeo Group, Inc. earns a return on equity of 32% in FY25. Its trough over the ladder below was −100% in FY20. For a lender the balance sheet is the operating asset, so equity return and asset return have to be read together.
FY25 ROE came in at 32%, recovered from a FY20 trough of −100%. On assets, the latest reading is about null% — every $100 the bank deploys earns roughly null a year. That clears the bar a bank must beat for its book value to compound.
Why: the ROE ladder shows the move; the deposit-cost and provisioning drivers behind it sit below what we hold.
Dividend
Exzeo Group, Inc. pays no dividend. Across the last 12 reported quarters it has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings rather than distribute them, which makes the cash-flow and reinvestment sections the place that cash shows up.
Exzeo Group, Inc. does not currently pay a dividend. Across the last 12 reported quarters the company has declared no dividend per share, so there is no payout history to chart and no yield to quote. Companies at this stage typically reinvest earnings instead of distributing them.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership There is no quarter-by-quarter holder register to read here, so we read the crowd through short interest — the slice of tradable shares currently sold short, positioned for a fall.
5.2% of Exzeo Group, Inc.'s tradable float is currently sold short — some money is positioned against it. At typical trading volumes those positions would take about 2.8 days to buy back. There is no quarter-by-quarter holder register to read for this filer, so the crowd is read through short interest instead.
The latest reading: 5.2% of the float is sold short, and at typical trading volumes it would take about 2.8 days to buy those positions back. Some money is positioned against it. This is a single point-in-time reading — we do not yet hold its history, so we show no trend chart.
Why it sits there: who is doing the shorting, and why, does not travel with the number — the level is shown without inventing its story.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Exzeo Group, Inc.: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1International General Insurance Holdings Ltd.IGIC | 57.9/100Mixed-positive evidence70% evidence | TURNING | 10.8/35 Income -4.5% · PAT -1.6% 71% evidence | 19.2/25 ROA 4% · ROE 18.5% · GNPA — 68% evidence | 14.9/20 P/BV 1.56× · P/BV÷ROE 0.08 70% evidence | 13.0/20 RS sector 6.6% · RS bench 1.5% · 1Y 17.7%3 of 12 weeks ahead 70% evidence |
| Exact sum: 10.8 + 19.2 + 14.9 + 13 = 57.9 · Decision use: Cheap but unconfirmed: require improving earnings before treating the valuation as an opportunity. | ||||||
| 2Pelagos Insurance Capital LimitedPLGO | 57.2/100Mixed-positive evidence67% evidence | LEADER | 19.4/35 Income -4.1% · PAT — 45% evidence | 9.9/25 ROA 0.9% · ROE 4.6% · GNPA — 68% evidence | 8.6/20 P/BV 0.72× · P/BV÷ROE 0.16 70% evidence | 19.3/20 RS sector 17.8% · RS bench 12.4% · 1Y 49.3%11 of 12 weeks ahead 100% evidence |
| Exact sum: 19.4 + 9.9 + 8.6 + 19.3 = 57.2 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 3The Hartford Insurance Group, Inc.HIG | 47.7/100Mixed-negative evidence60% evidence | TURNING | 18.0/35 Income — · PAT — 26% evidence | 13.5/25 ROA 1.2% · ROE 7% · GNPA — 68% evidence | 7.7/20 P/BV 1.83× · P/BV÷ROE 0.26 70% evidence | 8.5/20 RS sector -0.3% · RS bench -5.2% · 1Y 10.8%0 of 12 weeks ahead 100% evidence |
| Exact sum: 18 + 13.5 + 7.7 + 8.5 = 47.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4Sun Life Financial Inc.SLF | 44.0/100Mixed-negative evidence76% evidence | BREAKING OUT | 13.7/35 Income 3% · PAT -2% 71% evidence | 7.6/25 ROA 0.2% · ROE 2% · GNPA — 68% evidence | 3.8/20 P/BV 1.93× · P/BV÷ROE 0.96 70% evidence | 18.9/20 RS sector 17.3% · RS bench 11.9% · 1Y 45.8%9 of 12 weeks ahead 100% evidence |
| Exact sum: 13.7 + 7.6 + 3.8 + 18.9 = 44 · Decision use: Price leads the evidence: RS versus the benchmark is 11.9%, but earnings trajectory is weak. Wait for revenue and profit confirmation. | ||||||
| 5American International Group, Inc.AIG | 39.4/100Mixed-negative evidence76% evidence | BASING | 21.2/35 Income -2.3% · PAT 21.6% 71% evidence | 8.2/25 ROA 0.6% · ROE 1.9% · GNPA — 68% evidence | 5.6/20 P/BV 0.99× · P/BV÷ROE 0.52 70% evidence | 4.4/20 RS sector -4.2% · RS bench -8.9% · 1Y 1.5%0 of 12 weeks ahead 100% evidence |
| Exact sum: 21.2 + 8.2 + 5.6 + 4.4 = 39.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 6Berkshire Hathaway Inc.BRK-B | 36.1/100Mixed-negative evidence76% evidence | TURNING | 13.5/35 Income 1.1% · PAT -10.6% 71% evidence | 9.5/25 ROA 1% · ROE 1.5% · GNPA — 68% evidence | 5.0/20 P/BV 1.42× · P/BV÷ROE 0.95 70% evidence | 8.1/20 RS sector -0.9% · RS bench -5.8% · 1Y 11.1%0 of 12 weeks ahead 100% evidence |
| Exact sum: 13.5 + 9.5 + 5 + 8.1 = 36.1 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Brookfield Wealth Solutions Ltd.BNT | 20.0/100Adverse evidence67% evidence | BASING | 10.7/35 Income -25% · PAT -12.7% 45% evidence | 5.4/25 ROA 0.4% · ROE 0.5% · GNPA — 68% evidence | 3.8/20 P/BV 0.81× · P/BV÷ROE 1.63 70% evidence | 0.1/20 RS sector -4.8% · RS bench -9.5% · 1Y 4.9%0 of 12 weeks ahead 100% evidence |
| Exact sum: 10.7 + 5.4 + 3.8 + 0.1 = 20 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 8Aegon Ltd.AEG | 67.7/100Thin evidence · provisional50% evidence | LEADER | 18.8/35 Income — · PAT — 8% evidence | 17.0/25 ROA 2.3% · ROE 76.9% · GNPA — 51% evidence | 16.3/20 P/BV 1.33× · P/BV÷ROE 0.02 70% evidence | 15.6/20 RS sector 11.9% · RS bench 6.6% · 1Y 27.1%9 of 12 weeks ahead 100% evidence |
| Exact sum: 18.8 + 17 + 16.3 + 15.6 = 67.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 9Exzeo Group, Inc.this pageXZO | 55.7/100Thin evidence · provisional47% evidence | TURNING | 22.4/35 Income — · PAT 22.6% 45% evidence | 17.6/25 ROA 9.8% · ROE 14.8% · GNPA — 68% evidence | 5.7/20 P/BV 4.85× · P/BV÷ROE 0.33 70% evidence | 10.0/20 RS sector — · RS bench — · 1Y —2 of 12 weeks ahead 0% evidence |
| Exact sum: 22.4 + 17.6 + 5.7 + 10 = 55.7 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 10Arch Capital Group Ltd.ACGL | 42.9/100Thin evidence · provisional48% evidence | TURNING | 14.1/35 Income — · PAT — 26% evidence | 12.5/25 ROA 11.2% · ROE -0.2% · GNPA — 68% evidence | 9.8/20 P/BV 1.41× · P/BV÷ROE — 10% evidence | 6.5/20 RS sector -0.4% · RS bench -5.3% · 1Y 12%0 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 12.5 + 9.8 + 6.5 = 42.9 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led S&P 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led S&P 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Exzeo Group, Inc.'s stock price today?
Exzeo Group, Inc. trades at $16.3. The company is valued at $1.0 B. The stock sits at 34% of its 52-week range of $13–$23. Against the S&P 500 it has been ahead on a trailing-13-week view for 1 week. — as of 5 August 2026.
What were Exzeo Group, Inc.'s latest quarterly results?
Exzeo Group, Inc. reported total income of $0.1 B and net profit of $0.0 B for the Mar 26 quarter. Income rose 20.0% and profit rose 0.0% year on year. Earnings per share were $0.22. The net margin was 33.3%, 6.7 pp lower than a year earlier. — as of 5 August 2026.
What is Exzeo Group, Inc.'s revenue?
Exzeo Group, Inc. reported revenue of $0.1 B in the Mar 26 quarter, +20.0% year on year. For the full FY25 fiscal year, revenue was $0.2 B (+69.2%). Over the last 5 years revenue compounded at 34.5% a year. — as of 5 August 2026.
What is Exzeo Group, Inc.'s profit?
Exzeo Group, Inc. earned $0.0 B of net profit in the Mar 26 quarter, +0.0% year on year. Full-year FY25 profit was $0.1 B. The net margin ran 33.3% in the latest quarter. — as of 5 August 2026.
What is Exzeo Group, Inc.'s market cap?
Exzeo Group, Inc.'s market capitalisation is $1.0 B at a stock price of $16.3. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 5 August 2026.
What is Exzeo Group, Inc.'s P/BV ratio?
Exzeo Group, Inc. trades at a P/BV of 5.4×, at the 53rd percentile of its own 1-year range, against a long-run median of 5.3×. This is a comparison with the stock's own history, not a value call — as of 5 August 2026.
Does Exzeo Group, Inc. pay a dividend?
No — Exzeo Group, Inc. has declared no dividend per share in any of its last 12 reported quarters, so there is no payout history and no yield to quote. That is a reading of the filed statements, not an estimate. — as of 5 August 2026.
Is Exzeo Group, Inc. overvalued?
On its own history, Exzeo Group, Inc. looks mid-range against its own history: its P/BV of 5.4× sits at the 53rd percentile of its 1-year range (long-run median 5.3×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 5 August 2026.
Is Exzeo Group, Inc. growing?
The picture is mixed for Exzeo Group, Inc.: latest-quarter revenue +20.0% year on year, profit +0.0%, and the the net margin −6.7 pp at 33.3%. The earnings engine currently reads: mixed — as of 5 August 2026.
How is Exzeo Group, Inc. performing?
Exzeo Group, Inc.'s latest readings are below. Its latest quarter's income rose 20.0% and profit rose 0.0% year on year. Against the S&P 500 it has been ahead on a trailing-13-week view for 1 week. This describes what the data did, not a rating. — as of 5 August 2026.
Is Exzeo Group, Inc. beating the market?
On recent form, yes — Exzeo Group, Inc. has been ahead of the S&P 500 on a trailing-13-week view for 1 straight week, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 8 months the stock moved −16% against the S&P 500's +15% — behind the index over the full window. — as of 5 August 2026.
Will Exzeo Group, Inc.'s stock price go up?
This page publishes no price forecast for Exzeo Group, Inc. What it measures instead: the stock price is $16.3. Its P/BV of 5.4× sits at the 53rd percentile of its own 1-year range. Direction is not something this site claims to know. — as of 5 August 2026.
Is the market betting against Exzeo Group, Inc.?
Somewhat — short interest is 5.2% of Exzeo Group, Inc.'s tradable float, about 2.8 days to cover at typical volumes. A moderate reading: some money is positioned against it. With no quarter-by-quarter holder register here, short interest is the cleanest crowd read we hold — as of 5 August 2026.
Is Exzeo Group, Inc.'s loan book healthy?
We do not hold quarterly loan-book quality numbers for Exzeo Group, Inc., so this page says that plainly. The cleanest available reads are revenue growth (+69.2% in FY25) and the net margin on it (33.3%) — as of 5 August 2026.
Where is Exzeo Group, Inc. in its business cycle?
Exzeo Group, Inc.'s FY25 net margin was 36.4%, against a 5-year band of −120.0%–38.5%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 33.3%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 5 August 2026.
What could break the Exzeo Group, Inc. story?
Biggest watch item: the price is not yet in a confirmed uptrend — timing risk, not thesis risk. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 5 August 2026.
Is Exzeo Group, Inc. a stock worth studying right now?
This is not investment advice. The machine read: Exzeo Group, Inc.'s three tracks disagree. Price, valuation and the earnings engine each tell a different story — the next quarter or two settles it. The sharpest open question: the next one or two quarters of delivery. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 5 August 2026.