$14.87
▼ $-0.69
(-4.43%)
Vol 102K
Mkt Cap
$1.3B
P/E
16.3
Margin
38.1%
Beta
6.75
52W
$13–$25
Wall Street Consensus
7 analysts · Apr 20262
Strong Buy
4
Buy
1
Hold
0
Sell
0
Strong Sell
85.7%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.18 | $0.25 | +$0.07 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-1… |
|---|---|---|---|---|
| Revenue | $29.1M | $44.5M | $55.2M | $53.3M |
| Net Income | $5.3M | $11.7M | $21.2M | $22.0M |
Key Ratios
P/S (TTM)
6.21
P/B
8.7
EPS (TTM)
$1.12
Rev Growth 3Y
+68.2%
52W High
$24.60
52W Low
$12.92
$12.92
52-Week Range
$24.60
Financial Health
Free Cash Flow
$10.9M
Net Debt
-$298.1M
Cash
$305.4M
Total Debt
$7.2M
As of Dec 31, 2025
How does XZO compare to Insurance peers?
Peer group: Peers · Insurance (Peers) · 10 companies
XZO valuation vs Insurance peers
P/E ratio
16.3
▲
16%
above
peers
(14.0)
vs Peers
vs Industry
Overvalued
P/S ratio
6.2
▲
405%
above
peers
(1.2)
vs Peers
vs Industry
Overvalued
P/B ratio
8.7
▲
262%
above
peers
(2.4)
vs Peers
vs Industry
Overvalued
Div yield
—
▼
0%
below
peers
(2.4%)
vs Peers
vs Industry
In line
XZO profitability vs Insurance peers
ROE
—
▼
0%
below
peers
(10.1%)
vs Peers
vs Industry
Top tier
Net margin
38.1%
▲
333%
above
peers
(8.8%)
vs Peers
vs Industry
Top tier
Gross margin
60.4%
▲
59%
above
peers
(38.0%)
vs Peers
vs Industry
Weak
ROA
—
▼
0%
below
peers
(3.7%)
vs Peers
vs Industry
Top tier
XZO financial health vs Insurance peers
D/E ratio
—
▼
0%
below
peers
(8.1)
vs Peers
vs Industry
In line
Current ratio
3.9
▲
275%
above
peers
(1.0)
vs Peers
vs Industry
Below avg
Beta
6.8
▲
733%
above
peers
(0.8)
vs Peers
vs Industry
More volatile
XZO fundamentals radar
XZO
Peer median
Industry
XZO profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
XZO vs peers: key metrics
Insider Activity
BullishBuys
15
$572375
Sells
0
PATEL PARESH
Chief Executive Officer · Apr 08
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Apr 07
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Apr 06
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Apr 02
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Apr 01
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Mar 31
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Mar 30
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Mar 27
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Mar 26
purchase
2000 shs
PATEL PARESH
Chief Executive Officer · Mar 25
purchase
2000 shs
Last 90 days
Insider Buy Returns
PATEL PARESH
Apr 08, 2026
$30100
-1.2%
PATEL PARESH
Apr 07, 2026
$28440
+4.57%
PATEL PARESH
Apr 06, 2026
$28520
+4.28%
PATEL PARESH
Apr 02, 2026
$27580
+7.83%
PATEL PARESH
Apr 01, 2026
$29880
-0.47%
PATEL PARESH
Mar 31, 2026
$28880
+2.98%
PATEL PARESH
Mar 30, 2026
$28160
+5.61%
PATEL PARESH
Mar 27, 2026
$27780
+7.06%
PATEL PARESH
Mar 26, 2026
$29040
+2.41%
PATEL PARESH
Mar 25, 2026
$29620
+0.41%
Top Holders
Top 5: 3.78%Ophir Asset Management Pty …
1.08%
$14.7M
Philadelphia Financial Mana…
0.78%
$10.6M
Janus Henderson Group PLC
0.68%
$9.2M
Jennison Associates LLC
0.64%
$8.6M
Driehaus Capital Management…
0.60%
$8.2M
As of Dec 31, 2025