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Exzeo GroupXZO +1.52%39 Debt-to-EBITDA is 0.06 as of Jun. 2026, which is at its 10-year median of 0.06. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 315 Insurance companies, Exzeo Group ranks better than 90.79% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Exzeo Group's Debt-to-EBITDA or its related term are showing as below:
XZO'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -1.45 Med: 0.06 Max: 13.71
Current: 0.06
During the past 6 years, the highest Debt-to-EBITDA Ratio of Exzeo Group was 13.71. The lowest was -1.45. And the median was 0.06.
XZO's Debt-to-EBITDA is ranked better than 90.79% of 315
companies
in the Insurance industry
Industry Median: 1.24
vs XZO: 0.06
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Exzeo Group Debt-to-EBITDA Related Terms
Exzeo Group Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Debt-to-EBITDA 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.
XZO vs IGIC, PLGO, SUND: Debt-to-EBITDA Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Exzeo Group (XZO) has a Debt-to-EBITDA of 0.06 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Exzeo Group. This is near median its historical median of 0.06. According to the industry distribution chart, Exzeo Group ranks #29 out of 315 companies in the Insurance industry, placing it in the top 9.2%.
Is Exzeo Group's Debt-to-EBITDA too high?
Exzeo Group's current Debt-to-EBITDA of 0.06 is near median its 10-year median of 0.06. The Insurance industry median Debt-to-EBITDA is 1.24. Exzeo Group's value of 0.06 is 95.2% below this industry median. Based on the distribution chart, Exzeo Group ranks #29 out of 315 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Debt-to-EBITDA compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #29 out of 315 companies for Debt-to-EBITDA. This places Exzeo Group in the top 9% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.24. Exzeo Group's value of 0.06 is 95.2% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 1.24, Exzeo Group has consistently been below 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 315 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Debt-to-EBITDA of 0.06 is 95.2% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Exzeo Group. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Debt-to-EBITDA is 0.06, which is near median its own 10-year median of 0.06. 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 Debt-to-EBITDA of 0.06. The current Debt-to-EBITDA is 0.06, which is near median its 10-year median of 0.06 and 95.2% below the Insurance industry median of 1.24. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Exzeo Group (XZO), the current Debt-to-EBITDA is 0.06 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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