XZO (Exzeo Group) EBIT: $110.7 Mil (TTM As of Jun. 2026)

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XZO Exzeo Group Inc XZO
39 GF Score
Price $16.02
! 2 Warning Signs
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What is Exzeo Group EBIT?

Exzeo Group XZO +1.52% 39 EBIT is $110.7 Mil as of Jun. 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review.

Exzeo Group's earnings before interest and taxes (EBIT) for the three months ended in Jun. 2026 was $28.5 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was $110.7 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Exzeo Group's annualized ROC % for the quarter that ended in Jun. 2026 was 34.54%. Exzeo Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 693.59%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Exzeo Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 8.43%.

Exzeo Group  (NYSE:XZO) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Exzeo Group's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Mar. 2026 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=113.852 * ( 1 - 25.96% )/( (194.962 + 293.101)/ 2 )
=84.2960208/244.0315
=34.54 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=379.768 - 22.453 - ( 231.381 - max(0, 98.576 - 260.929+231.381))
=194.962

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=385.783 - 14.714 - ( 136.731 - max(0, 91.735 - 169.703+136.731))
=293.101

Note: The Operating Income data used here is four times the quarterly (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Exzeo Group's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jun. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Jun. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Mar. 2026  Q: Jun. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=113.852/( ( (16.835 + max(-86.475, 0)) + (15.995 + max(-76.66, 0)) )/ 2 )
=113.852/( ( 16.835 + 15.995 )/ 2 )
=113.852/16.415
=693.59 %

where Working Capital is:

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(2.513 + 0 + 7.138) - (22.453 + 73.673 + 0)
=-86.475

Working Capital(Q: Jun. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(1.785 + 0 + 10.808) - (14.714 + 74.539 + 0)
=-76.66

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Jun. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Exzeo Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=110.745/1313.068
=8.43 %

* 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 EBIT Related Terms

Exzeo Group EBIT Historical Data

* Premium members only.

The historical data trend for Exzeo Group's EBIT 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.

Exzeo Group EBIT Chart

Exzeo Group Annual Data
Trend Dec19 Dec20 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial -16.46 -37.72 2.61 38.57 110.29

Exzeo Group Quarterly Data
Dec19 Sep20 Dec20 Sep21 Dec23 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 28.13 28.35 28.85 25.08 28.46

XZO vs IGIC, PLGO, SUND: EBIT Comparison

For the Insurance - Diversified subindustry, Exzeo Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, Exzeo Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Exzeo Group's EV-to-EBIT falls into.


XZO
39GF Score
Exzeo Group Inc XZO
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Exzeo Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $110.7 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $110.7 Mil mean?
Exzeo Group (XZO) has a EBIT of $110.7 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Exzeo Group.
Is Exzeo Group's EBIT too high?
Exzeo Group's current EBIT is $110.7 Mil. 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 EBIT compare to IGIC and PLGO?
Exzeo Group's EBIT of $110.7 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Exzeo Group. Exzeo Group's current EBIT is $110.7 Mil. 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 EBIT of $110.7 Mil. The current EBIT is $110.7 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Exzeo Group (XZO), the current EBIT is $110.7 Mil 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 Business Description

Address 1000 Century Park Drive, Tampa, FL, USA, 33607
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

Get the complete analysis for XZO

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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