XZO Exzeo Group, Inc. Common Stock

NYSE · Insurance · Lihat di SEC EDGAR ↗
$15,95
Harga · Agu 19, 2026
Fundamental per Agu 7, 2026
Rentang 52M
$12–$25
29% of range
Peringkat Analis
BUY
7 analysts
Target Harga
$26
+63% upside
P/E (TTM)
16.1
ROE
61.4%
Margin Laba Bersih
38.1%

XZO Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga
$15.95
Kapitalisasi Pasar
$1.45B
P/E (TTM)
16.1
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

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $217M
3-point trend, +145.6%
2023-12-31 → 2025-12-31
EPS $0.99
3-point trend, +560.0%
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)
16.1
13.8
P/S (TTM)
6.7
1.1
P/B
5.7
1.9
Price / FCF (Harga / FCF)
14.9
—

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik
Tren 5 Tahun
XZO
Median Rekan
Gross Margin (Margin Kotor)
60.4%
38.3%
Operating Margin (Margin Operasi)
48.9%
—
Net Profit Margin (Margin Laba Bersih)
38.1%
11.5%
ROA
37.9%
3.6%
ROE
61.4%
15.0%
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)
3-point trend, +145.6%
62.0%
—
EPS YoY
3-point trend, +560.0%
125.0%
—
Net Income YoY (Laba Bersih YoY)
3-point trend, +285.6%
82.6%
—

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik
Tren 5 Tahun
XZO
Median Rekan
EPS (Diluted)
3-point trend, +560.0%
$0.99
—

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 · 2026-08-15
Target median $26.00 +63,0%
Target rata-rata $26.00 +63,0%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata
0.03%
Periode EPS Aktual EPS Estimasi Kejutan
30 Juni 2026 $0.26 $0.24 0.02%
31 Maret 2026 $0.22 $0.21 0.01%
31 Des. 2025 $0.25 $0.18 0.07%

Perbandingan rekan (sub-industri GICS) 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%
SLDE $2.42B 5.8 36.5% 38.4% 57.4% —
HCI $2.49B 8.4 20.1% 33.2% 40.0% —
STC $2.12B 17.3 17.3% 4.0% 7.6% —
KMPR — — — — — —
SAFT — 11.6 12.8% 7.8% 11.2% —
UFCS $928M 8.1 10.6% 8.5% 13.7% —
TRUP $1.62B 83.0 11.9% — — —
UVE $947M 5.3 5.5% 11.4% 36.3% —
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
Data Laporan Laba Rugi Tahunan untuk XZO
Metrik Tren 20252024
Revenue 2-point trend, +62.0% $217M $134M
Cost of Revenue 2-point trend, +6.5% $86M $81M
Gross Profit 2-point trend, +146.2% $131M $53M
R&D Expense 2-point trend, +35.6% $9M $7M
SG&A Expense 2-point trend, +88.5% $16M $8M
Operating Expenses 2-point trend, +64.8% $25M $15M
Operating Income 2-point trend, +178.8% $106M $38M
Pretax Income 2-point trend, +213.0% $110M $35M
Income Tax 2-point trend, +200.4% $28M $9M
Net Income 2-point trend, +82.6% $83M $45M
EPS (Basic) 2-point trend, +125.0% $0.99 $0.44
EPS (Diluted) 2-point trend, +125.0% $0.99 $0.44
Shares (Basic) 2-point trend, +3.5% 80,171,000 77,494,000
Shares (Diluted) 2-point trend, +3.5% 80,171,000 77,494,000
EBITDA $108M ·
Neraca 23
Data Neraca Tahunan untuk XZO
Metrik Tren 20252024
Cash & Equivalents 2-point trend, +460.3% $305M $55M
Receivables 2-point trend, +2906000.00 $3M $0
Prepaid Expense 2-point trend, +143.5% $1M $609.0K
Other Current Assets 2-point trend, +2.4% $43.0K $42.0K
Current Assets 2-point trend, +384.6% $326M $67M
PP&E (Net) 2-point trend, -0.8% $11M $11M
PP&E (Gross) 2-point trend, +12.7% $25M $22M
Accum. Depreciation 2-point trend, +25.9% $14M $11M
Other Non-current Assets $274.0K ·
Total Assets 2-point trend, +288.8% $348M $89M
Accounts Payable 2-point trend, +38.2% $3M $2M
Current Liabilities 2-point trend, +49.7% $84M $56M
Capital Leases 2-point trend, -22.3% $5M $6M
Deferred Tax 2-point trend, -100.0% $0 $2M
Other Non-current Liabilities $790.0K ·
Total Liabilities 2-point trend, +26.6% $94M $74M
Common Stock 2-point trend, +9.6% $91.0K $83.0K
Paid-in Capital 2-point trend, +214.3% $229M $73M
Retained Earnings 2-point trend, +144.3% $25M $-57M
AOCI Flat — no change across 2 periods $0 $0
Stockholders' Equity 2-point trend, +1539.0% $254M $16M
Liabilities + Equity 2-point trend, +288.8% $348M $89M
Shares Outstanding 2-point trend, +9.8% 90,926,720 82,810,089
Arus Kas 13
Data Arus Kas Tahunan untuk XZO
Metrik Tren 20252024
D&A 2-point trend, +8.3% $2M $2M
Stock-based Comp 2-point trend, -22.0% $3M $3M
Deferred Tax 2-point trend, -434.2% $-5M $2M
Other Non-cash $18M ·
Operating Cash Flow 2-point trend, +103.6% $100M $49M
CapEx 2-point trend, -14.7% $3M $3M
Net Debt Issued $0 ·
Stock Repurchased 2-point trend, +209.8% $1M $481.0K
Net Stock Activity $-1M ·
Financing Cash Flow 2-point trend, +2501.5% $154M $-6M
Net Change in Cash 2-point trend, +3636.4% $251M $-7M
Taxes Paid 2-point trend, +131.6% $32M $14M
Free Cash Flow $97M ·
Profitabilitas 8
Data Profitabilitas Tahunan untuk XZO
Metrik Tren 20252024
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
Data Likuiditas & Solvabilitas Tahunan untuk XZO
Metrik Tren 20252024
Current Ratio 3.9 ·
Quick Ratio 3.7 ·
Efisiensi 2
Data Efisiensi Tahunan untuk XZO
Metrik Tren 20252024
Asset Turnover 1.0 ·
Receivables Turnover 149.3 ·
Per Saham 5
Data Per Saham Tahunan untuk XZO
Metrik Tren 20252024
Book Value / Share $2.80 ·
Revenue / Share $2.71 ·
Cash Flow / Share $1.25 ·
Cash / Share $3.36 ·
EPS (TTM) $0.99 ·
Tingkat Pertumbuhan 3
Data Tingkat Pertumbuhan Tahunan untuk XZO
Metrik Tren 20252024
Revenue YoY 2-point trend, +20.0% 62.0% 51.6%
EPS YoY 2-point trend, -35.3% 125.0% 193.3%
Net Income YoY 2-point trend, -25.7% 82.6% 111.2%
Valuasi (TTM) 10
Data Valuasi (TTM) Tahunan untuk XZO
Metrik Tren 20252024
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 Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi
2025-12-312024-12-312023-12-31
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
2025-12-312024-12-312023-12-31
Rasio Lancar 3.9——
Rasio Cepat 3.7——
Arus Kas
2025-12-312024-12-312023-12-31
Arus Kas Bebas $97M——

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Pemilik institusional (13F) 86 pengaju · $72.9M total · Per tanggal 30 Juni 2026

Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.

Aktivitas institusional — Q2 2026 vs kuartal sebelumnya
Posisi baru Posisi yang keluar Meningkat Menurun Perubahan bersih saham
35 (-1 vs Kuartal sebelumnya) 11 (-2 vs Kuartal sebelumnya) 21 (+8 vs Kuartal sebelumnya) 22 (+9 vs Kuartal sebelumnya) -801K

Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.

Institusi Nilai Saham % dari 13F yang dilacak Tipe
AMERICAN CENTURY COMPANIES INC $10.169.742 602.830 13,94% Saham
Whetstone Capital Advisors, LLC $9.135.847 541.544 12,53% Saham
JENNISON ASSOCIATES LLC $6.762.980 400.888 9,27% Saham
ESSEX INVESTMENT MANAGEMENT CO LLC $4.533.036 268.704 6,22% Saham
FJ Capital Management LLC $3.775.304 223.788 5,18% Saham
CITADEL ADVISORS LLC $2.729.768 161.812 3,74% Saham
STATE STREET CORP $2.530.551 150.003 3,47% Saham
JACOBS LEVY EQUITY MANAGEMENT, INC $2.360.299 139.911 3,24% Saham
Nuveen, LLC $2.307.310 136.770 3,16% Saham
TWO SIGMA INVESTMENTS, LP $2.044.914 121.216 2,80% Saham
Ionic Capital Management LLC $1.958.219 116.077 2,68% Saham
GOLDMAN SACHS GROUP INC $1.955.992 115.945 2,68% Saham
VICTORY CAPITAL MANAGEMENT INC $1.762.544 104.478 2,42% Saham
Atom Investors LP $1.654.238 98.058 2,27% Saham
Alden Global Capital LLC $1.653.344 98.005 2,27% Saham
GEODE CAPITAL MANAGEMENT, LLC $1.640.270 97.230 2,25% Saham
RENAISSANCE TECHNOLOGIES LLC $1.212.582 71.878 1,66% Saham
Boston Partners $1.147.130 67.998 1,57% Saham
BNP PARIBAS FINANCIAL MARKETS $1.145.473 67.900 1,57% Saham
Trexquant Investment LP $1.069.204 63.379 1,47% Saham
VANGUARD PORTFOLIO MANAGEMENT LLC $957.676 56.768 1,31% Saham
Balyasny Asset Management L.P. $871.133 51.638 1,19% Saham
TUDOR INVESTMENT CORP ET AL $829.144 49.149 1,14% Saham
STRS OHIO $784.455 46.500 1,08% Saham
SEI INVESTMENTS CO $759.437 45.017 1,04% Saham
FEDERATED HERMES, INC. $691.670 41.000 0,95% Saham
MARSHALL WACE, LLP $689.510 40.872 0,95% Saham
Sidoxia Capital Management, LLC $646.442 38.319 0,89% Saham
State of Wyoming $539.638 31.988 0,74% Saham
PARSONS CAPITAL MANAGEMENT INC/RI $421.750 25.000 0,58% Saham
Creative Planning $386.407 22.905 0,53% Saham
BANK OF AMERICA CORP /DE/ $366.079 21.700 0,50% Saham
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $333.064 19.743 0,46% Saham
Qube Research & Technologies Ltd $308.873 18.309 0,42% Saham
Cornerstone Investment Partners, LLC $303.002 17.961 0,42% Saham
JANE STREET GROUP, LLC $288.224 17.085 0,40% Saham
Engineers Gate Manager LP $271.658 16.103 0,37% Saham
JANUS HENDERSON GROUP PLC $250.417 17.070 0,34% Saham
XTX Topco Ltd $205.122 12.159 0,28% Saham
CAPTRUST FINANCIAL ADVISORS $199.758 11.841 0,27% Saham
D. E. Shaw & Co., Inc. $171.568 10.170 0,24% Saham
Centiva Capital, LP $168.987 10.017 0,23% Saham
VANGUARD FIDUCIARY TRUST CO $130.540 7.738 0,18% Saham
WELLS FARGO & COMPANY/MN $126.525 7.500 0,17% Saham
RHUMBLINE ADVISERS $90.402 5.359 0,12% Saham
Bank of New York Mellon Corp $89.681 5.316 0,12% Saham
NEW YORK STATE COMMON RETIREMENT FUND $72.541 4.300 0,10% Saham
CITIGROUP INC $68.863 4.082 0,09% Saham
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $63.887 3.787 0,09% Saham
JPMORGAN CHASE & CO $58.089 3.409 0,08% Saham
Police & Firemen's Retirement System of New Jersey $44.183 2.619 0,06% Saham
BlackRock, Inc. $39.341 2.332 0,05% Saham
Tower Research Capital LLC (TRC) $19.384 1.149 0,03% Saham
NORTHERN TRUST CORP $18.017 1.068 0,02% Saham
BARCLAYS PLC $17.933 1.063 0,02% Saham
FMR LLC $14.188 841 0,02% Saham
MERCER GLOBAL ADVISORS INC /ADV $13.412 795 0,02% Saham
Legal & General Group Plc $10.771 640 0,01% Saham
Ameritas Investment Partners, Inc. $10.628 630 0,01% Saham
Arax Advisory Partners $8.671 514 0,01% Saham
Aster Capital Management (DIFC) Ltd $7.642 453 0,01% Saham
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $6.352 433 0,01% Saham
MORGAN STANLEY $5.415 321 0,01% Saham
ROYAL BANK OF CANADA $4.000 242 0,01% Saham
JONES FINANCIAL COMPANIES LLLP $3.871 243 0,01% Saham
DEUTSCHE BANK AG\ $3.728 221 0,01% Saham
Allworth Financial LP $2.177 129 0,00% Saham
UBS Group AG $1.687 100 0,00% Saham
IFP Advisors, Inc $1.670 99 0,00% Saham
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ $1.485 88 0,00% Saham
Integrated Wealth Concepts LLC $1.182 70 0,00% Saham
AQR CAPITAL MANAGEMENT LLC $1.080 64 0,00% Saham
SJS Investment Consulting Inc. $1.080 64 0,00% Saham
HRT FINANCIAL LP $898 53.275 0,00% Saham
Farther Finance Advisors, LLC $760 45 0,00% Saham
Essential Partners LLC $675 40 0,00% Saham
EverSource Wealth Advisors, LLC $540 32 0,00% Saham
ROTHSCHILD INVESTMENT LLC $523 31 0,00% Saham
Sterling Capital Management LLC $489 29 0,00% Saham
Russell Investments Group, Ltd. $270 16 0,00% Saham
Clearstead Advisors, LLC $237 14 0,00% Saham
Caitong International Asset Management Co., Ltd $135 8 0,00% Saham
True Wealth Design, LLC $85 5 0,00% Saham
Quantbot Technologies LP $17 1 0,00% Saham
Wealth Enhancement Trust Services, Inc. $17 1 0,00% Saham
Covestor Ltd $1 35 0,00% Saham

Orang dalam perusahaan 8 orang dalam · 4 pejabat · 6 direktur

Orang Dalam Peran Aktivitas terakhir Saham dimiliki Beli 12m Jual 12m Bersih 12m
Paresh Patel Chief Executive Officer 27 Mei 2026 P 1.672.013 58 0 $2.530.606
Suela Bulku Chief Financial Officer 18 Des. 2025 P 314.874 2 0 $217.192
Kevin Andrew Mitchell President 18 Des. 2025 P 715.135 2 0 $265.946
Brook Armstrong Baker General Counsel 18 Des. 2025 P 248.026 2 0 $217.192
James J Macchiarola Direktur 23 Maret 2026 P 140.000 2 0 $480.480
Robert A. Lopes Jr. Direktur 9 Maret 2026 P 127.335 2 0 $248.375
Irene Hurst Direktur 6 Nov. 2025 P 109.500 1 0 $42.000
Loreen M Spencer Direktur 6 Nov. 2025 P 110.000 1 0 $84.000

Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka

Kepemilikan ETF Dimiliki oleh 16 ETF

Bobot mencerminkan kepemilikan ekuitas langsung (N-PORT) saja; dana berbasis leverage atau derivatif mungkin memiliki eksposur swap tambahan yang tidak ditampilkan.

Dana Bobot Unit Per tanggal Sumber
OMFS · Invesco Exchange-Traded Self-Indexe… 0,02% 4.579 SH 8 Agu 2026 Harian
AVSC · AMERICAN CENTURY ETF TRUST 0,02% 35.675 NS 31 Mei 2026 N-PORT
AVUV · AMERICAN CENTURY ETF TRUST 0,01% 211.494 NS 31 Mei 2026 N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS 0,01% 8.903 SH 8 Agu 2026 Harian
IWO · iShares Trust 0,01% 75.348 SH 8 Agu 2026 Harian
ISCG · iShares Trust 0,01% 4.795 SH 8 Agu 2026 Harian
IWM · iShares Trust 0,00% 210.026 SH 8 Agu 2026 Harian
ISCB · iShares Trust 0,00% 682 SH 8 Agu 2026 Harian
RSSL · Global X Funds 0,00% 3.305 NS 30 April 2026 N-PORT
ITWO · ProShares Trust 0,00% 362 NS 31 Mei 2026 N-PORT
AVUS · AMERICAN CENTURY ETF TRUST 0,00% 18.082 NS 31 Mei 2026 N-PORT
UWM · ProShares Trust 0,00% 283 NS 31 Mei 2026 N-PORT
URTY · ProShares Trust 0,00% 287 NS 31 Mei 2026 N-PORT
HDG · ProShares Trust 0,00% 7 NS 31 Mei 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0,00% 47.039 SH 8 Agu 2026 Harian
VTHR · VANGUARD SCOTTSDALE FUNDS 0,00% 826 SH 8 Agu 2026 Harian