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Exzeo GroupXZO +1.52%39 EV-to-EBIT is 11.86 as of Sep. 11, 2026, which is 4% above its 10-year median of 11.40. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 341 Insurance companies, Exzeo Group ranks worse than 69.21% on this metric.
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Exzeo Group's Enterprise Value for the quarter that ended in Jun. 2026 was $1,391.6 Mil.
Exzeo Group's 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.
Exzeo Group EV-to-EBIT Related Terms
Exzeo Group EV-to-EBIT Historical Data
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The historical data trend for Exzeo Group's EV-to-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.
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.
Exzeo Group's current Enterprise Value is $1,313.1 Mil.
Exzeo Group's 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.
Exzeo Group (XZO) has a EV-to-EBIT of 11.86 as of Sep. 11, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Exzeo Group and its competitors. This is near median its historical median of 11.40. Over the past decade, Exzeo Group's EV-to-EBIT has ranged from 8.35 to 19.93. According to the industry distribution chart, Exzeo Group ranks #236 out of 341 companies in the Insurance industry, placing it in the top 69.2%.
Is Exzeo Group's EV-to-EBIT too high?
Exzeo Group's current EV-to-EBIT of 11.86 is near median its 10-year median of 11.40. Over the past 10 years, this metric has ranged from a low of 8.35 to a high of 19.93. The Insurance industry median EV-to-EBIT is 8.69. Exzeo Group's value of 11.86 is 36.5% above this industry median. Based on the distribution chart, Exzeo Group ranks #236 out of 341 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 EV-to-EBIT compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #236 out of 341 companies for EV-to-EBIT. This places Exzeo Group in the lower half of its industry. The industry median EV-to-EBIT is 8.69. Exzeo Group's value of 11.86 is 36.5% above this benchmark. Historically, Exzeo Group's own EV-to-EBIT has ranged from 8.35 to 19.93 over the past decade. While the company's 10-year median is 11.40 vs. the industry median of 8.69, 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 EV-to-EBIT for an Insurance company?
The median EV-to-EBIT among Insurance companies is 8.69, based on 341 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current EV-to-EBIT of 11.86 is 36.5% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median EV-to-EBIT is 8.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current EV-to-EBIT is 11.86, which is near median its own 10-year median of 11.40. 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 EV-to-EBIT of 11.86. The current EV-to-EBIT is 11.86, which is near median its 10-year median of 11.40 and 36.5% above the Insurance industry median of 8.69. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Exzeo Group (XZO), the current EV-to-EBIT is 11.86 as of Sep. 11, 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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