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Exzeo GroupXZO +1.52%39 EV-to-OCF is 15.70 as of Sep. 11, 2026, which is 9% above its 10-year median of 14.44. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 501 Insurance companies, Exzeo Group ranks worse than 77.45% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Exzeo Group's Enterprise Value is $1,313.1 Mil.
Exzeo Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $83.7 Mil. Therefore, Exzeo Group's EV-to-OCF for today is 15.70.
The historical rank and industry rank for Exzeo Group's EV-to-OCF or its related term are showing as below:
XZO'
s EV-to-OCF Range Over the Past 10 Years
Min: 8.7 Med: 14.44 Max: 21.51
Current: 15.7
During the past 6 years, the highest EV-to-OCF of Exzeo Group was 21.51. The lowest was 8.70. And the median was 14.44.
XZO's EV-to-OCF is ranked worse than 77.45% of 501
companies
in the Insurance industry
Industry Median: 6.29
vs XZO: 15.70
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Exzeo Group's PE Ratio (TTM) for today is calculated as:
Exzeo Group's share price for today is $16.02.
Exzeo Group's Earnings per Share (Diluted) 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 $0.963.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Exzeo Group EV-to-OCF Related Terms
Exzeo Group EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Exzeo Group's EV-to-OCF 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-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Exzeo Group's EV-to-OCF falls into.
Exzeo Group's current Enterprise Value is $1,313.1 Mil.
Exzeo Group's Cash Flow from Operations 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 $83.7 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-OCF of 15.70 as of Sep. 11, 2026. This is near median its historical median of 14.44. Over the past decade, Exzeo Group's EV-to-OCF has ranged from 8.70 to 21.51. According to the industry distribution chart, Exzeo Group ranks #388 out of 501 companies in the Insurance industry, placing it in the top 77.4%.
Is Exzeo Group's EV-to-OCF too high?
Exzeo Group's current EV-to-OCF of 15.70 is near median its 10-year median of 14.44. Over the past 10 years, this metric has ranged from a low of 8.70 to a high of 21.51. The Insurance industry median EV-to-OCF is 6.29. Exzeo Group's value of 15.70 is 149.6% above this industry median. Based on the distribution chart, Exzeo Group ranks #388 out of 501 companies in the Insurance industry, which is in the bottom quartile 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 EV-to-OCF compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #388 out of 501 companies for EV-to-OCF. This places Exzeo Group in the lower half of its industry. The industry median EV-to-OCF is 6.29. Exzeo Group's value of 15.70 is 149.6% above this benchmark. Historically, Exzeo Group's own EV-to-OCF has ranged from 8.70 to 21.51 over the past decade. While the company's 10-year median is 14.44 vs. the industry median of 6.29, 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-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current EV-to-OCF of 15.70 is 149.6% 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-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current EV-to-OCF is 15.70, which is near median its own 10-year median of 14.44. 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-OCF of 15.70. The current EV-to-OCF is 15.70, which is near median its 10-year median of 14.44 and 149.6% above the Insurance industry median of 6.29. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Exzeo Group (XZO), the current EV-to-OCF is 15.70 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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