Exzeo Group, Inc. (XZO) - Net Assets
Based on the latest financial reports, Exzeo Group, Inc. (XZO) has net assets worth $274.94 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($379.77 Million) and total liabilities ($104.83 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. Also explore XZO asset base for the complete picture of this company's asset base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $274.94 Million |
| % of Total Assets | 72.4% |
| Annual Growth Rate | 56.99% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 693.65 |
Exzeo Group, Inc. - Net Assets Trend (2019–2025)
This chart illustrates how Exzeo Group, Inc.'s net assets have evolved over time, based on quarterly financial data. Check how tangible is Exzeo Group, Inc.'s equity to evaluate the tangible quality of the company's equity base.
Annual Net Assets for Exzeo Group, Inc. (2019–2025)
The table below shows the annual net assets of Exzeo Group, Inc. from 2019 to 2025. For live valuation and market cap data, see XZO market cap overview.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $254.16 Million | +1538.98% |
| 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 grown by 51.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $25.42 Million | 10.00% |
| Common Stock | $91.00K | 0.04% |
| Other Components | $228.65 Million | 89.96% |
| Total Equity | $254.16 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 |
|---|---|
|
Netcare
JSE:NTC
|
$1.21 Billion |
|
City Development Environment Co Ltd
SHE:000885
|
$1.21 Billion |
|
Gold.com, Inc.
NYSE:GOLD
|
$1.21 Billion |
|
CHINA EAST ED HLDGS LTD
F:ZX3
|
$1.22 Billion |
|
Dogan Sirketler Grubu Holding AS
IS:DOHOL
|
$1.21 Billion |
|
Three's Company Media Group Co Ltd
SHG:605168
|
$1.21 Billion |
|
tonies SE
F:TNIE
|
$1.21 Billion |
|
Faraday Copper Corp.
TO:FDY
|
$1.21 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 2024 to 2025, total equity changed from 15,507,000 to 254,156,000, a change of 238,649,000 (1539.0%).
- Net income of 82,749,000 contributed positively to equity growth.
- Share repurchases of 1,490,000 reduced equity.
- New share issuances of 156,205,000 increased equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $82.75 Million | +32.56% |
| Share Repurchases | $1.49 Million | -0.59% |
| Share Issuances | $156.21 Million | +61.46% |
| Other Changes | $1.19 Million | +0.47% |
| Total Change | $- | 1538.98% |
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: 5.76x
- 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 decreased from 86.15x to 5.76x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2019-12-31 | $0.19 | $16.10 | x |
| 2020-12-31 | $0.07 | $16.10 | x |
| 2023-12-31 | $0.78 | $16.10 | x |
| 2024-12-31 | $0.17 | $16.10 | x |
| 2025-12-31 | $2.80 | $16.10 | 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): 32.56%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 38.14%
- • Asset Turnover: 0.62x
- • Equity Multiplier: 1.37x
- Recent ROE (32.56%) is above the historical average (23.18%), 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 |
| 2025 | 32.56% | 38.14% | 0.62x | 1.37x | $57.33 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: $97,771,664,000
- Average return on equity (ROE) among peers: -6.74%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Exzeo Group, Inc. (XZO) | $274.94 Million | -40.74% | 0.38x | $1.21 Billion |
| Arch Capital Group Ltd. (ACGL) | $1.41 Billion | 4.18% | 1.12x | $32.77 Billion |
| American International Group Inc (AIG) | $99.03 Billion | -11.06% | 7.56x | $39.19 Billion |
| Brookfield Wealth Solutions Ltd. (BNT) | $8.85 Billion | 9.00% | 5.97x | $2.70 Billion |
| Berkshire Hathaway Inc (BRK-A) | $719.70 Billion | 9.30% | 0.70x | $393.28 Billion |
| Berkshire Hathaway Inc (BRK-B) | $135.78 Billion | 5.93% | 1.19x | $725.51 Billion |
| Enstar Group Limited (ESGR) | $2.94 Billion | 7.50% | 3.03x | $5.04 Billion |
| FG Financial Group (FGF) | $34.25 Million | -65.57% | 0.01x | $6.32 Million |
| Fidelis Insurance Holdings Limited (FIHL) | $1.99 Billion | 2.65% | 3.18x | $1.79 Billion |
| Hartford Financial Services Group (HIG) | $7.58 Billion | -36.27% | 31.71x | $35.20 Billion |
| International General Insurance Holdings Ltd (IGIC) | $394.60 Million | 6.91% | 2.24x | $1.15 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