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Exzeo GroupXZO +1.52%39 Debt-to-Equity is 0.02 as of Jun. 2026, which is 50% below its 10-year median of 0.04. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 396 Insurance companies, Exzeo Group ranks better than 87.37% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Exzeo Group's Debt-to-Equity or its related term are showing as below:
XZO'
s Debt-to-Equity Range Over the Past 10 Years
Min: -2.61 Med: 0.04 Max: 3.41
Current: 0.02
During the past 6 years, the highest Debt-to-Equity Ratio of Exzeo Group was 3.41. The lowest was -2.61. And the median was 0.04.
XZO's Debt-to-Equity is ranked better than 87.37% of 396
companies
in the Insurance industry
Industry Median: 0.21
vs XZO: 0.02
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Exzeo Group Debt-to-Equity Related Terms
Exzeo Group Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Debt-to-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Debt-to-Equity 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 Debt-to-Equity of 0.02 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Exzeo Group and its competitors. This is 50% below median its historical median of 0.04. According to the industry distribution chart, Exzeo Group ranks #50 out of 396 companies in the Insurance industry, placing it in the top 12.6%.
Is Exzeo Group's Debt-to-Equity too high?
Exzeo Group's current Debt-to-Equity of 0.02 is 50% below median its 10-year median of 0.04. The Insurance industry median Debt-to-Equity is 0.21. Exzeo Group's value of 0.02 is 90.5% below this industry median. Based on the distribution chart, Exzeo Group ranks #50 out of 396 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-Equity compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #50 out of 396 companies for Debt-to-Equity. This places Exzeo Group in the top 13% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.21. Exzeo Group's value of 0.02 is 90.5% below this benchmark. While the company's 10-year median is 0.04 vs. the industry median of 0.21, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Debt-to-Equity of 0.02 is 90.5% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Debt-to-Equity is 0.02, which is 50% below median its own 10-year median of 0.04. 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-Equity of 0.02. The current Debt-to-Equity is 0.02, which is 50% below median its 10-year median of 0.04 and 90.5% below the Insurance industry median of 0.21. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Exzeo Group (XZO), the current Debt-to-Equity is 0.02 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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