XZO · Exzeo Group, Inc.
Price & Indicators
The closing range uses available history since Nov 5, 2025; less than a full year is stored.
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. Exzeo reported Q2 results above guidance with revenue up to $57.8M, managed premium of $1.4B, and EPS of $0.26, while keeping full-year guidance unchanged at $1.55B managed premium; the company completed its $12M buyback, added GEICO as its eighth carrier partner, and launched Exzeo Ventures to pursue AI-native new businesses.
- + Q2 managed premium grew to $1.40B from $1.22B year-over-year and rose from $1.2B sequentially, with ARR climbing to $210.7M.
- + Quarterly revenue rose to $57.8M and EPS reached $0.26, both exceeding prior guidance.
- + Adjusted EBITDA margin remained over 53% with management stating annualized margins above 50% are achievable for the foreseeable future.
- + GEICO was added as the platform's eighth carrier partner, enabling home-and-auto bundling and adding auto to the product set.
- − Adjusted EBITDA margin compressed to 53% in Q2 from 57% a year ago and to 51% YTD from 54%, due to investments in workforce and infrastructure.
- − YTD operating cash flow fell to $40.9M from $57.5M and free cash flow to $40.4M from $56.3M on timing of business growth and cash collections.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA non-GAAP | 56.48M | Six Months Ended June 30, 2026 | — |
| Adjusted EBITDA Margin non-GAAP | 51.2% | Six Months Ended June 30, 2026 | — |
| Adjusted Revenue non-GAAP | 110.3M | Six Months Ended June 30, 2026 | — |
| Free Cash Flow non-GAAP | 40.35M | Six Months Ended June 30, 2026 | — |
| Managed Premium | 1.4B | Second Quarter 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Insurance - Diversified — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
XZO
this stock
Exzeo Group, Inc.
|
$1.33B | -40.6% | +62.0% | 15.3 | 1.7% |
|
BRK-B
Berkshire Hathaway Inc
|
$707.57B | +0.0% | +0.0% | — | 0.9% |
|
SLF
Sun Life Financial Inc
|
$44.43B | +25.9% | — | — | 0.7% |
|
AIG
American International Group, Inc.
|
$38.15B | -12.4% | -1.7% | 13.3 | 2.0% |
|
HIG
Hartford Insurance Group, Inc.
|
$33.65B | -8.5% | +6.9% | 8.0 | 1.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| XZO | -5.3% | -14.1% | -6.5% | -0.5% | -40.6% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -5.1% | -13.6% | -18.7% | -1.4% | -53.5% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.