XZO Exzeo Group, Inc. Common Stock
$13,13
Harga · Jun 18, 2026
Fundamental per Mei 15, 2026
Rentang 52M
$12–$25
6% of range
Peringkat Analis
BUY
7 analysts
Target Harga
$26
+98% upside
P/E (TTM)
24.5
ROE
61.4%
Margin Laba Bersih
38.1%
XZO Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu
Harga
$13.13
Kapitalisasi Pasar
$2.20B
P/E (TTM)
24.5
EPS (TTM)
$0.99
Pendapatan (TTM)
$217M
Imbal Hasil Dividen
—
ROE
61.4%
D/E Utang/Ekuitas
—
Rentang 52M
$12 – $25
XZO Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda
Configure
Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS
Pendapatan & Laba Bersih
$217M
2023-12-31
→
2025-12-31
EPS
$0.99
2023-12-31
→
2025-12-31
Arus Kas Bebas
$97M
2025-12-31
→
2025-12-31
Margin
38.1%
2025-12-31
→
2025-12-31
Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?
Metrik
Tren 5 Tahun
XZO
Median Rekan
P/E (TTM)
24.5
14.7
P/S (TTM)
10.2
1.4
P/B
8.7
2.5
Price / FCF (Harga / FCF)
22.6
—
Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC
Metrik
Tren 5 Tahun
XZO
Median Rekan
Gross Margin (Margin Kotor)
60.4%
15.6%
Operating Margin (Margin Operasi)
48.9%
—
Net Profit Margin (Margin Laba Bersih)
38.1%
11.7%
ROA
37.9%
5.3%
ROE
61.4%
16.1%
ROIC
31.3%
—
Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca
Metrik
Tren 5 Tahun
XZO
Median Rekan
Current Ratio (Rasio Lancar)
3.9
0.3
Quick Ratio (Rasio Cepat)
3.7
—
Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T
Metrik
Tren 5 Tahun
XZO
Median Rekan
Revenue YoY (Pendapatan YoY)
62.0%
—
EPS YoY
125.0%
—
Net Income YoY (Laba Bersih YoY)
82.6%
—
Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang
Metrik
Tren 5 Tahun
XZO
Median Rekan
XZO Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan
BELI
7 analis
- Beli Kuat 2 28,6%
- Beli 4 57,1%
- Tahan 1 14,3%
- Jual 0 0,0%
- Jual Kuat 0 0,0%
Target Harga 12 Bulan
2 analis · 2026-06-13
Median
$26.00
← Di bawah semua target
$13.13
Rendah
$25.00
Tinggi
$27.00
Target median
$26.00
+98,0%
Target rata-rata
$26.00
+98,0%
Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya
Kejutan Rata-rata
0.04%
| Periode | EPS Aktual | EPS Estimasi | Kejutan |
|---|---|---|---|
| 31 Maret 2026 | $0.22 | $0.21 | 0.01% |
| 31 Des. 2025 | $0.25 | $0.18 | 0.07% |
Perbandingan Sejawat Metrik utama vs rekan sektor
| Ticker | Kapitalisasi Pasar | P/E | Pendapatan YoY | Margin Bersih | ROE | Margin Kotor |
|---|---|---|---|---|---|---|
| XZO | $2.20B | 24.5 | 62.0% | 38.1% | 61.4% | 60.4% |
| STC | $2.12B | 17.3 | 17.3% | 4.0% | 7.6% | — |
| SLDE | $2.42B | 5.8 | 36.5% | 38.4% | 57.4% | — |
| KMPR | — | — | — | — | — | — |
| PRA | — | 24.4 | -4.5% | — | — | — |
| UFCS | $928M | 8.1 | 10.6% | 8.5% | 13.7% | — |
| UVE | $947M | 5.3 | 5.5% | 11.4% | 36.3% | — |
| SAFT | — | 11.6 | 12.8% | 7.8% | 11.2% | — |
| TRUP | $1.62B | 83.0 | 11.9% | — | — | — |
| ASIC | $1.01B | 13.3 | 23.4% | 17.4% | 14.6% | — |
| BOW | $936M | 17.9 | 29.6% | 9.8% | 13.1% | — |
Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas
Laporan Laba Rugi 15
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Revenue | $217M | $134M | |
| Cost of Revenue | $86M | $81M | |
| Gross Profit | $131M | $53M | |
| R&D Expense | $9M | $7M | |
| SG&A Expense | $16M | $8M | |
| Operating Expenses | $25M | $15M | |
| Operating Income | $106M | $38M | |
| Pretax Income | $110M | $35M | |
| Income Tax | $28M | $9M | |
| Net Income | $83M | $45M | |
| EPS (Basic) | $0.99 | $0.44 | |
| EPS (Diluted) | $0.99 | $0.44 | |
| Shares (Basic) | 80,171,000 | 77,494,000 | |
| Shares (Diluted) | 80,171,000 | 77,494,000 | |
| EBITDA | $108M | · |
Neraca 21
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Cash & Equivalents | $305M | $55M | |
| Receivables | $3M | $0 | |
| Prepaid Expense | $1M | $609.0K | |
| Other Current Assets | $43.0K | $42.0K | |
| Current Assets | $326M | $67M | |
| PP&E (Net) | $11M | $11M | |
| PP&E (Gross) | $25M | $22M | |
| Accum. Depreciation | $14M | $11M | |
| Total Assets | $348M | $89M | |
| Accounts Payable | $3M | $2M | |
| Current Liabilities | $84M | $56M | |
| Capital Leases | $5M | $6M | |
| Deferred Tax | $0 | $2M | |
| Total Liabilities | $94M | $74M | |
| Common Stock | $91.0K | $83.0K | |
| Paid-in Capital | $229M | $73M | |
| Retained Earnings | $25M | $-57M | |
| AOCI | $0 | $0 | |
| Stockholders' Equity | $254M | $16M | |
| Liabilities + Equity | $348M | $89M | |
| Shares Outstanding | 90,926,720 | 82,810,089 |
Arus Kas 13
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| D&A | $2M | $2M | |
| Stock-based Comp | $3M | $3M | |
| Deferred Tax | $-5M | $2M | |
| Other Non-cash | $18M | · | |
| Operating Cash Flow | $100M | $49M | |
| CapEx | $3M | $3M | |
| Net Debt Issued | $0 | · | |
| Stock Repurchased | $1M | $481.0K | |
| Net Stock Activity | $-1M | · | |
| Financing Cash Flow | $154M | $-6M | |
| Net Change in Cash | $251M | $-7M | |
| Taxes Paid | $32M | $14M | |
| Free Cash Flow | $97M | · |
Profitabilitas 8
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Gross Margin | 60.4% | · | |
| Operating Margin | 48.9% | · | |
| Net Margin | 38.1% | · | |
| Pretax Margin | 50.8% | · | |
| EBITDA Margin | 50.0% | · | |
| ROA | 37.9% | · | |
| ROE | 61.4% | · | |
| ROIC | 31.3% | · |
Likuiditas & Solvabilitas 2
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Current Ratio | 3.9 | · | |
| Quick Ratio | 3.7 | · |
Efisiensi 2
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Asset Turnover | 1.0 | · | |
| Receivables Turnover | 149.3 | · |
Tingkat Pertumbuhan 3
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Revenue YoY | 62.0% | 51.6% | |
| EPS YoY | 125.0% | 193.3% | |
| Net Income YoY | 82.6% | 111.2% |
Valuasi (TTM) 10
| Metrik | Tren | 2025 | 2024 |
|---|---|---|---|
| Revenue TTM | $217M | · | |
| Net Income TTM | $83M | · | |
| Market Cap | $2.20B | · | |
| P/E | 24.5 | · | |
| P/S | 10.2 | · | |
| P/B | 8.7 | · | |
| P / Tangible Book | 8.7 | · | |
| P / Cash Flow | 22.0 | · | |
| P / FCF | 22.6 | · | |
| Earnings Yield | 4.1% | · |
Laporan Laba Rugi 15
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Revenue | $56M | $53M | $55M | $52M | $45M | |
| Cost of Revenue | $23M | $18M | $21M | $24M | $26M | |
| Gross Profit | $33M | $35M | $34M | $29M | $19M | |
| R&D Expense | $2M | $2M | $2M | $2M | $1M | |
| SG&A Expense | $5M | $6M | $4M | $3M | $2M | |
| Operating Expenses | $8M | $8M | $7M | $5M | $3M | |
| Operating Income | $25M | $27M | $27M | $24M | $16M | |
| Pretax Income | $28M | $29M | $28M | $24M | $16M | |
| Income Tax | $7M | $7M | $7M | $6M | $4M | |
| Net Income | $20M | $22M | $21M | $18M | $12M | |
| EPS (Basic) | $0.22 | $0.26 | $0.25 | $0.22 | $0.15 | |
| EPS (Diluted) | $0.22 | $0.26 | $0.25 | $0.22 | $0.15 | |
| Shares (Basic) | 88,385 | 1,440,000 | 78,741,000 | 78,709 | 402,000 | |
| Shares (Diluted) | 88,385 | 1,440,000 | 78,741,000 | 78,709 | 402,000 | |
| EBITDA | · | · | $28M | · | · |
Neraca 21
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $231M | $305M | $141M | · | $55M | |
| Receivables | $3M | $3M | · | · | $0 | |
| Prepaid Expense | $1M | $1M | $1M | · | $609.0K | |
| Other Current Assets | $541.0K | $43.0K | $2M | · | $42.0K | |
| Current Assets | $261M | $326M | $163M | · | $67M | |
| PP&E (Net) | $10M | $11M | $11M | · | $11M | |
| PP&E (Gross) | · | $25M | · | · | $22M | |
| Accum. Depreciation | · | $14M | · | · | $11M | |
| Total Assets | $380M | $348M | $182M | · | $89M | |
| Accounts Payable | $6M | $3M | $12M | · | $2M | |
| Current Liabilities | $99M | $84M | $94M | · | $56M | |
| Capital Leases | $4M | $5M | $5M | · | $6M | |
| Deferred Tax | · | $0 | $0 | · | $2M | |
| Total Liabilities | $105M | $94M | $104M | · | $74M | |
| Common Stock | $91.0K | $91.0K | $83.0K | · | $83.0K | |
| Paid-in Capital | $229M | $229M | $75M | · | $73M | |
| Retained Earnings | $46M | $25M | $3M | · | $-57M | |
| AOCI | $-361.0K | · | · | · | · | |
| Stockholders' Equity | $275M | $254M | $78M | · | $16M | |
| Liabilities + Equity | $380M | $348M | $182M | · | $89M | |
| Shares Outstanding | 90,918,430 | 90,926,720 | 82,775,789 | · | 82,810,089 |
Arus Kas 9
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| D&A | $570.0K | $585.0K | $622.0K | $597.0K | $569.0K | |
| Stock-based Comp | $740.0K | $476.0K | · | $723.0K | $551.0K | |
| Deferred Tax | $191.0K | $-3M | · | $-2M | $2M | |
| Operating Cash Flow | $25M | $11M | · | $20M | $20M | |
| CapEx | $327.0K | $403.0K | · | $769.0K | $648.0K | |
| Investing Cash Flow | $-99M | · | · | $-769.0K | · | |
| Stock Repurchased | · | $1M | · | · | $0 | |
| Financing Cash Flow | $-57.0K | $154M | · | $0 | $-3M | |
| Net Change in Cash | $-74M | $164M | · | $19M | $16M |
Profitabilitas 8
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Gross Margin | · | · | 61.2% | · | · | |
| Operating Margin | · | · | 49.4% | · | · | |
| Net Margin | · | · | 38.3% | · | · | |
| Pretax Margin | · | · | 51.4% | · | · | |
| EBITDA Margin | · | · | 50.5% | · | · | |
| ROA | · | · | 23.2% | · | · | |
| ROE | · | · | 53.9% | · | · | |
| ROIC | · | · | 25.9% | · | · |
Likuiditas & Solvabilitas 2
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Current Ratio | · | · | 1.7 | · | · | |
| Quick Ratio | · | · | 1.5 | · | · |
Efisiensi 1
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| Asset Turnover | · | · | 0.6 | · | · |
Valuasi (TTM) 1
| Metrik | Tren | Q1 2026 | Q4 2025 | Q3 2025 | Q1 2025 | Q4 2024 |
|---|---|---|---|---|---|---|
| P / Tangible Book | 4.9 | · | · | · | · |
Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir
Laporan Laba Rugi
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Pendapatan | $217M | $134M | $88M |
| Margin Kotor % | 60.4% | — | — |
| Margin Operasi % | 48.9% | — | — |
| Laba Bersih | $83M | $45M | $21M |
| EPS Dilusian | $0.99 | $0.44 | $0.15 |
Neraca
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Rasio Lancar | 3.9 | — | — |
| Rasio Cepat | 3.7 | — | — |
Arus Kas
| 2025-12-31 | 2024-12-31 | 2023-12-31 | |
|---|---|---|---|
| Arus Kas Bebas | $97M | — | — |
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