Exzeo GroupXZO +3.89%35 EV-to-FCF is 14.24 as of Jul. 05, 2026, which is 17% above its 10-year median of 12.20. GuruFocus rates XZO with a GF Score™ of 35/100. Among 394 Insurance companies, Exzeo Group ranks worse than 65.74% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Exzeo Group's Enterprise Value is $1,474.8 Mil.
Exzeo Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $103.6 Mil. Therefore, Exzeo Group's EV-to-FCF for today is 14.24.
The historical rank and industry rank for Exzeo Group's EV-to-FCF or its related term are showing as below:
XZO'
s EV-to-FCF Range Over the Past 10 Years
Min: 8.9 Med: 12.2 Max: 22.11
Current: 14.24
During the past 6 years, the highest EV-to-FCF of Exzeo Group was 22.11. The lowest was 8.90. And the median was 12.20.
XZO's EV-to-FCF is ranked worse than 65.74% of 394
companies
in the Insurance industry
Industry Median: 9.72
vs XZO: 14.24
EV-to-FCF 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-FCF 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 $18.69.
Exzeo Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.942.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Exzeo Group EV-to-FCF Related Terms
Exzeo Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Exzeo Group's EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Exzeo Group's EV-to-FCF falls into.
Exzeo Group's current Enterprise Value is $1,474.8 Mil.
Exzeo Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $103.6 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-FCF of 14.24 as of Jul. 05, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Exzeo Group and its competitors. This is 17% above median its historical median of 12.20. Over the past decade, Exzeo Group's EV-to-FCF has ranged from 8.90 to 22.11. According to the industry distribution chart, Exzeo Group ranks #259 out of 394 companies in the Insurance industry, placing it in the top 65.7%.
Is Exzeo Group's EV-to-FCF too high?
Exzeo Group's current EV-to-FCF of 14.24 is 17% above median its 10-year median of 12.20. Over the past 10 years, this metric has ranged from a low of 8.90 to a high of 22.11. The Insurance industry median EV-to-FCF is 9.72. Exzeo Group's value of 14.24 is 46.5% above this industry median. Based on the distribution chart, Exzeo Group ranks #259 out of 394 companies in the Insurance industry, which is below the industry midpoint. Overall, Exzeo Group has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does Exzeo Group's EV-to-FCF compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #259 out of 394 companies for EV-to-FCF. This places Exzeo Group in the lower half of its industry. The industry median EV-to-FCF is 9.72. Exzeo Group's value of 14.24 is 46.5% above this benchmark. Historically, Exzeo Group's own EV-to-FCF has ranged from 8.90 to 22.11 over the past decade. While the company's 10-year median is 12.20 vs. the industry median of 9.72, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.72, based on 394 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current EV-to-FCF of 14.24 is 46.5% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current EV-to-FCF is 14.24, which is 17% above median its own 10-year median of 12.20. 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-FCF of 14.24. The current EV-to-FCF is 14.24, which is 17% above median its 10-year median of 12.20 and 46.5% above the Insurance industry median of 9.72. Exzeo Group's overall GF Score™ is 35/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Exzeo Group (XZO), the current EV-to-FCF is 14.24 as of Jul. 05, 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.
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