Stocktoria
Exzeo Group, Inc. XZO
NYSE · XNYS · stock · Services-Prepackaged Software · website · IPO 2025-11-05
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5/9
Piotroski F — financial health
9.69
Altman Z″ — distress risk · safe
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 |
|---|---|---|
| Financials | ||
| Revenue | $217.0M | $133.9M |
| Gross profit | $131.0M | $53.2M |
| Operating income | $106.0M | $38.0M |
| Net income | $82.7M | $45.3M |
| Operating cash flow | $100.3M | $49.3M |
| Total assets | $347.7M | $89.4M |
| Total liabilities | $93.6M | $73.9M |
| Shareholders' equity | $254.2M | $15.5M |
| Ratios | ||
| Gross margin | 60.4% | 39.7% |
| Operating margin | 48.8% | 28.4% |
| Net margin | 38.1% | 33.8% |
| Return on assets | 23.8% | 50.7% |
| Return on equity | 32.6% | 292.3% |
| Current ratio | 3.86 | 1.19 |
| Revenue growth | 62.0% | — |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 167,618 | $2.5M |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 9.69 (safe)
- Working capital / assets 0.694
- Retained earnings / assets 0.073
- EBIT / assets 0.305
- Equity / liabilities 2.716
Sector peers
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Source: SEC EDGAR filings · CIK 0001873951 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.