Exzeo Group, Inc. (XZO) - Net Assets
Based on the latest financial reports, Exzeo Group, Inc. (XZO) has net assets worth $78.43 Million USD as of September 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($182.25 Million) and total liabilities ($103.82 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Exzeo Group, Inc. liquidity resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $78.43 Million |
| % of Total Assets | 43.03% |
| Annual Growth Rate | -1.78% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 495.73 |
Exzeo Group, Inc. - Net Assets Trend (2019–2024)
This chart illustrates how Exzeo Group, Inc.'s net assets have evolved over time, based on quarterly financial data. Also explore XZO current and non-current assets for the complete picture of this company's asset base.
Annual Net Assets for Exzeo Group, Inc. (2019–2024)
The table below shows the annual net assets of Exzeo Group, Inc. from 2019 to 2024. For live valuation and market cap data, see XZO market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $15.51 Million | -78.12% |
| 2023-12-31 | $70.86 Million | +981.74% |
| 2020-12-31 | $6.55 Million | -61.38% |
| 2019-12-31 | $16.96 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Exzeo Group, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 440.8% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $83.00K | 0.54% |
| Other Components | $72.75 Million | 469.18% |
| Total Equity | $15.51 Million | 100.00% |
Exzeo Group, Inc. Competitors by Market Cap
The table below lists competitors of Exzeo Group, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Lakeland Financial Corporation
NASDAQ:LKFN
|
$1.57 Billion |
|
Lonking Holdings Limited
F:C9IB
|
$1.57 Billion |
|
V-Guard Industries Limited
NSE:VGUARD
|
$1.57 Billion |
|
Herbalife Nutrition Ltd
NYSE:HLF
|
$1.57 Billion |
|
Hillman Solutions Corp
NASDAQ:HLMN
|
$1.57 Billion |
|
BlackRock Capital Allocation Trust
NYSE:BCAT
|
$1.57 Billion |
|
Hefei Jianghang Aircraft Equipment Corporation Ltd
SHG:688586
|
$1.57 Billion |
|
Semrush Holdings Inc
NYSE:SEMR
|
$1.57 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Exzeo Group, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 70,865,000 to 15,507,000, a change of -55,358,000 (-78.1%).
- Net income of 44,104,000 contributed positively to equity growth.
- Dividend payments of 2,923,000 reduced retained earnings.
- Share repurchases of 100,481,000 reduced equity.
- Other comprehensive income increased equity by 1,803,000.
- Other factors increased equity by 2,139,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $44.10 Million | +284.41% |
| Dividends Paid | $2.92 Million | -18.85% |
| Share Repurchases | $100.48 Million | -647.97% |
| Other Comprehensive Income | $1.80 Million | +11.63% |
| Other Changes | $2.14 Million | +13.79% |
| Total Change | $- | -78.12% |
Book Value vs Market Value Analysis
This analysis compares Exzeo Group, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 101.10x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 92.41x to 101.10x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $0.19 | $17.27 | x |
| 2020-12-31 | $0.07 | $17.27 | x |
| 2023-12-31 | $0.78 | $17.27 | x |
| 2024-12-31 | $0.17 | $17.27 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Exzeo Group, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 284.41%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 32.93%
- • Asset Turnover: 1.49x
- • Equity Multiplier: 5.78x
- Recent ROE (284.41%) is above the historical average (20.84%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2019 | -40.74% | -32.39% | 0.22x | 5.67x | $-8.61 Million |
| 2020 | -189.65% | -24.03% | 0.32x | 24.54x | $-13.08 Million |
| 2023 | 29.32% | 23.52% | 0.14x | 8.83x | $13.69 Million |
| 2024 | 284.41% | 32.93% | 1.49x | 5.78x | $42.55 Million |
Industry Comparison
This section compares Exzeo Group, Inc.'s net assets metrics with peer companies in the Insurance - Diversified industry.
Industry Context
- Industry: Insurance - Diversified
- Average net assets among peers: $67,160,481,567
- Average return on equity (ROE) among peers: 5.42%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Exzeo Group, Inc. (XZO) | $78.43 Million | -40.74% | 1.32x | $1.57 Billion |
| Arch Capital Group Ltd (ACGL) | $4.59 Billion | 9.50% | 2.72x | $33.74 Billion |
| American International Group Inc (AIG) | $99.00 Billion | 3.47% | 4.54x | $41.69 Billion |
| Brookfield Wealth Solutions Ltd. (BNT) | $4.26 Billion | 11.70% | 9.19x | $2.79 Billion |
| Berkshire Hathaway Inc (BRK-A) | $480.62 Billion | -4.59% | 0.97x | $361.31 Billion |
| Berkshire Hathaway Inc (BRK-B) | $59.05 Billion | 4.79% | 1.07x | $644.99 Billion |
| Enstar Group Limited (ESGR) | $514.04 Million | 12.02% | 3.70x | $5.04 Billion |
| FG Financial Group (FGF) | $46.36 Million | 0.02% | 0.96x | $6.32 Million |
| Fidelis Insurance Holdings Limited (FIHL) | $2.45 Billion | 4.63% | 3.81x | $2.06 Billion |
| Hartford Financial Services Group (HIG) | $20.31 Billion | 8.05% | 14.67x | $36.96 Billion |
| International General Insurance Holdings Ltd (IGIC) | $760.95 Million | 4.60% | 0.00x | $1.08 Billion |
About Exzeo Group, Inc.
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. The company offers an Insurance-as-a-Service (IaaS) platform that provides solutions for operational and administrative activities, such as quoting and underwriting, policy management, claims processing management, data reporting, and financial reporting. It serves property and casua… Read more