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Exzeo GroupXZO +1.52%39 Current Ratio is 1.85 as of Jun. 2026, which is 8% below its 10-year median of 2.01. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 63 Insurance companies, Exzeo Group ranks better than 60.32% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Exzeo Group's current ratio for the quarter that ended in Jun. 2026 was 1.85.
Exzeo Group has a current ratio of 1.85. It generally indicates good short-term financial strength.
The historical rank and industry rank for Exzeo Group's Current Ratio or its related term are showing as below:
XZO'
s Current Ratio Range Over the Past 10 Years
Min: 0.81 Med: 2.01 Max: 18.96
Current: 1.85
During the past 6 years, Exzeo Group's highest Current Ratio was 18.96. The lowest was 0.81. And the median was 2.01.
XZO's Current Ratio is ranked better than 60.32% of 63
companies
in the Insurance industry
Industry Median: 1.68
vs XZO: 1.85
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Exzeo Group Current Ratio Related Terms
Exzeo Group Current Ratio Historical Data
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The historical data trend for Exzeo Group's Current Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Diversified subindustry, Exzeo Group's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Exzeo Group Current Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Current Ratio distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Current Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Exzeo Group (XZO) has a Current Ratio of 1.85 as of Jun. 2026. This is near median its historical median of 2.01. Over the past decade, Exzeo Group's Current Ratio has ranged from 0.81 to 18.96. According to the industry distribution chart, Exzeo Group ranks #25 out of 63 companies in the Insurance industry, placing it in the top 39.7%.
Is Exzeo Group's Current Ratio too high?
Exzeo Group's current Current Ratio of 1.85 is near median its 10-year median of 2.01. Over the past 10 years, this metric has ranged from a low of 0.81 to a high of 18.96. The Insurance industry median Current Ratio is 1.68. Exzeo Group's value of 1.85 is 10.1% above this industry median. Based on the distribution chart, Exzeo Group ranks #25 out of 63 companies in the Insurance industry, which is above the industry midpoint. Overall, Exzeo Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Exzeo Group's Current Ratio compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #25 out of 63 companies for Current Ratio. This puts Exzeo Group in the upper half of its industry. The industry median Current Ratio is 1.68. Exzeo Group's value of 1.85 is 10.1% above this benchmark. Historically, Exzeo Group's own Current Ratio has ranged from 0.81 to 18.96 over the past decade. While the company's 10-year median is 2.01 vs. the industry median of 1.68, Exzeo Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for an Insurance company?
The median Current Ratio among Insurance companies is 1.68, based on 63 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Current Ratio of 1.85 is 10.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Current Ratio is 1.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Current Ratio is 1.85, which is near median its own 10-year median of 2.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exzeo Group stock overvalued right now?
Exzeo Group (XZO) has a current Current Ratio of 1.85. The current Current Ratio is 1.85, which is near median its 10-year median of 2.01 and 10.1% above the Insurance industry median of 1.68. Exzeo Group's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Exzeo Group (XZO), the current Current Ratio is 1.85 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Exzeo Group Inc provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform, which it refers to as the Exzeo Platform, currently includes nine configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, the company provides technology-based solutions and services for all operational and administrative activities and functions needed by P&C insurance carriers and their agents.
39GF Score
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