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Exzeo Group

XZO
73
Insurance - Diversified · Financial Services
Winston Score
73
Winston is happy
A high-quality business with solid fundamentals.
Data as of Aug 23, 2026 · filings through Jun 30, 2026
How the score breaks down
Quality
Exceptional
Growth
Mixed
Cash Flow
Exceptional
Stability
Exceptional
Valuation
Good

Winston Score History

The full picture

I don't have reliable information about **Exzeo Group, Inc.** (ticker: XZO) in my training data. This appears to be either a very small company, a recently formed entity, or a fictional/placeholder company. I cannot find details about its products, customers, geography, or business model.

If I were to write a description using invented details, it could mislead investors — which would be irresponsible on a stock research platform.

**To get an accurate description, please provide any of the following:** - A brief business description or 10-K summary - The company's main products or services - Key customers or end markets - Geographic footprint - Any known competitive advantages

Once you share those details, I can write a clean, accurate 2-paragraph description that follows all the formatting rules. I'd rather ask than guess on something investors will read.

Score breakdown

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Quality

Profit per sale
Gross Margin
65.2%
Premium pricing power — 65.2% gross margin
Profit after running costs
Operating Margin
49.3%
Excellent — 49.3% operating margin
Return on the money invested
ROCE
36.5%
Exceptional — 36.5% return on capital

ROIC above 25%. Every dollar invested in the business earns more than 25 cents back per year.

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Growth

Sales growth
Sales YoY
N/A
Data not available
Profit growth
EPS YoY
N/A
Data not available
How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
126%
Turns 126% of profit into real cash
Spare cash per sale
FCF Margin
48.1%
Converts sales into free cash efficiently (48.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns
Debt / Equity
0.02
Conservative — low debt load (0.02)
Covers its interest
Interest Cover
100.00x
Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

Price vs profit
P/E Ratio (TTM)
18.1x
no trend
Fair value — P/E 18.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year
P/E vs Forward
+1.8
GROWING
Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Not applicable for this business.
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