Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Exzeo GroupXZO +1.52%39 Net Current Asset Value is $0.80 as of Jun. 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 24 Insurance companies, Exzeo Group ranks worse than 79.17% on this metric.
In calculating the Net Current Asset Value (NCAV), Benjamin Graham means a company's current assets (such as cash, marketable securities, and inventories) minus its total liabilities (including preferred stock, minority interest, and long-term debt).
Exzeo Group's net current asset value per share for the quarter that ended in Jun. 2026 was $0.80.
The historical rank and industry rank for Exzeo Group's Net Current Asset Value or its related term are showing as below:
XZO'
s Price-to-Net-Current-Asset-Value Range Over the Past 10 Years
Min: 8.53 Med: 9.51 Max: 21.09
Current: 20.03
During the past 6 years, the highest Price-to-Net-Current-Asset-Value Ratio of Exzeo Group was 21.09. The lowest was 8.53. And the median was 9.51.
XZO's Price-to-Net-Current-Asset-Value is ranked worse than 79.17% of 24
companies
in the Insurance industry
Industry Median: 6.98
vs XZO: 20.03
Exzeo Group (NYSE:XZO) Net Current Asset Value Explanation
Benjamin Graham first discussed net current asset value (NCAV) in the 1934 edition of "Security Analysis", which he coauthored with David Dodd. In the book, (net) current asset value is defined as:" current assets alone, minus all liabilities and claims ahead of the issue."
The common definition of NCAV is: NCAV = current assets – [total liabilities + minority interest + preferred stock]
Net current assets exclude not only the intangible assets but also the fixed and miscellaneous assets. In addition, Graham believed that preferred stock belongs on the liability side of the balance sheet, not as part of capital and surplus. In "Security Analysis", preferred stock is dubbed "an imperfect creditorship position" that is best placed on the balance sheet alongside funded debt.
One research study, covering the years 1970 through 1983 showed that portfolios picked at the beginning of each year, and held for one year, returned 29.4 percent, on average, over the 13-year period, compared to 11.5 percent for the S&P 500 Index. Other studies of Grahams strategy produced similar results.
Benjamin Graham looked for companies whose market values were less than two-thirds of their Net-Net Working Capital. They are collected under our Net-Net screener.
Exzeo Group Net Current Asset Value Related Terms
Exzeo Group Net Current Asset Value Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Net Current Asset Value 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: Net Current Asset Value Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Price-to-Net-Current-Asset-Value, along with its competitors' market caps and Price-to-Net-Current-Asset-Value 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 Price-to-Net-Current-Asset-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Price-to-Net-Current-Asset-Value distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Price-to-Net-Current-Asset-Value 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.
What does a Net Current Asset Value of $0.80 mean?
Exzeo Group (XZO) has a Net Current Asset Value of $0.80 as of Jun. 2026. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Exzeo Group and its competitors. According to the industry distribution chart, Exzeo Group ranks #19 out of 24 companies in the Insurance industry, placing it in the top 79.2%.
Is Exzeo Group's Net Current Asset Value too high?
Exzeo Group's current Net Current Asset Value is $0.80. The Insurance industry median Net Current Asset Value is 6.98. Exzeo Group's value of $0.80 is 88.5% below this industry median. Based on the distribution chart, Exzeo Group ranks #19 out of 24 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 Net Current Asset Value compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #19 out of 24 companies for Net Current Asset Value. This places Exzeo Group in the lower half of its industry. The industry median Net Current Asset Value is 6.98. Exzeo Group's value of $0.80 is 88.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Current Asset Value for an Insurance company?
The median Net Current Asset Value among Insurance companies is 6.98, based on 24 companies in the industry. Companies in the top quartile (top 25%) have a Net Current Asset Value significantly above this median, while those in the bottom quartile fall well below. However, Net Current Asset Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Net Current Asset Value of $0.80 is 88.5% 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 Net Current Asset Value mean?
A high Net Current Asset Value can signal that a stock is expensive relative to its fundamentals. Ben Graham's net current asset value equals the per-share value of total current assets less total liabilities. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Net Current Asset Value is 6.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Net Current Asset Value is $0.80. 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 Net Current Asset Value of $0.80. The current Net Current Asset Value is $0.80 and 88.5% below the Insurance industry median of 6.98. 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 Net Current Asset Value calculated?
Net Current Asset Value is calculated from a company's financial statements. For Exzeo Group (XZO), the current Net Current Asset Value is $0.80 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
Get the complete analysis for XZO
Net Current Asset Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XZO has been successfully added to your 
