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Exzeo GroupXZO +1.52%39 Days Payable is 53.96 as of Jun. 2026, which is 93% above its 10-year median of 28.01. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 53 Insurance companies, Exzeo Group ranks worse than 50.94% on this metric.
The historical data trend for Exzeo Group's Days Payable 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 Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Days Payable distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Exzeo Group's Days Payable for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Days Payable of 53.96 as of Jun. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Exzeo Group and its competitors. This is 93% above median its historical median of 28.01. Over the past decade, Exzeo Group's Days Payable has ranged from 26.91 to 52.56. According to the industry distribution chart, Exzeo Group ranks #27 out of 53 companies in the Insurance industry, placing it in the top 50.9%.
Is Exzeo Group's Days Payable too high?
Exzeo Group's current Days Payable of 53.96 is 93% above median its 10-year median of 28.01. Over the past 10 years, this metric has ranged from a low of 26.91 to a high of 52.56. The Insurance industry median Days Payable is 52.56. Exzeo Group's value of 53.96 is 2.7% above this industry median. Based on the distribution chart, Exzeo Group ranks #27 out of 53 companies in the Insurance industry, which is below 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 Days Payable compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #27 out of 53 companies for Days Payable. This places Exzeo Group in the lower half of its industry. The industry median Days Payable is 52.56. Exzeo Group's value of 53.96 is 2.7% above this benchmark. Historically, Exzeo Group's own Days Payable has ranged from 26.91 to 52.56 over the past decade. While the company's 10-year median is 28.01 vs. the industry median of 52.56, 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 Days Payable for an Insurance company?
The median Days Payable among Insurance companies is 52.56, based on 53 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Days Payable of 53.96 is 2.7% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Days Payable is 52.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Days Payable is 53.96, which is 93% above median its own 10-year median of 28.01. 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 Days Payable of 53.96. The current Days Payable is 53.96, which is 93% above median its 10-year median of 28.01 and 2.7% above the Insurance industry median of 52.56. 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 Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Exzeo Group (XZO), the current Days Payable is 53.96 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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