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Exzeo GroupXZO +1.52%39 PB Ratio is 5.01 as of Sep. 11, 2026, which is 8% below its 10-year median of 5.42. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 494 Insurance companies, Exzeo Group ranks worse than 92.51% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-09-11), Exzeo Group's share price is $16.02. Exzeo Group's Book Value per Share for the quarter that ended in Jun. 2026 was $3.20. Hence, Exzeo Group's PB Ratio of today is 5.01.
The historical rank and industry rank for Exzeo Group's PB Ratio or its related term are showing as below:
XZO'
s PB Ratio Range Over the Past 10 Years
Min: 4.29 Med: 5.42 Max: 26.11
Current: 5.01
During the past 6 years, Exzeo Group's highest PB Ratio was 26.11. The lowest was 4.29. And the median was 5.42.
XZO's PB Ratio is ranked worse than 92.51% of 494
companies
in the Insurance industry
Industry Median: 1.395
vs XZO: 5.01
During the past 12 months, Exzeo Group's average Book Value Per Share Growth Rate was 412.80% per year.
During the past 6 years, the highest 3-Year average Book Value Per Share Growth Rate of Exzeo Group was 33.40% per year. The lowest was 33.40% per year. And the median was 33.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Exzeo Group PB Ratio Related Terms
Exzeo Group PB Ratio Historical Data
* Premium members only.
The historical data trend for Exzeo Group's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where Exzeo Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Exzeo Group's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Exzeo Group (XZO) has a PB Ratio of 5.01 as of Sep. 11, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Exzeo Group and its competitors. This is near median its historical median of 5.42. Over the past decade, Exzeo Group's PB Ratio has ranged from 4.29 to 26.11. According to the industry distribution chart, Exzeo Group ranks #457 out of 494 companies in the Insurance industry, placing it in the top 92.5%.
Is Exzeo Group's PB Ratio too high?
Exzeo Group's current PB Ratio of 5.01 is near median its 10-year median of 5.42. Over the past 10 years, this metric has ranged from a low of 4.29 to a high of 26.11. The Insurance industry median PB Ratio is 1.40. Exzeo Group's value of 5.01 is 259.1% above this industry median. Based on the distribution chart, Exzeo Group ranks #457 out of 494 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 PB Ratio compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #457 out of 494 companies for PB Ratio. This places Exzeo Group in the lower half of its industry. The industry median PB Ratio is 1.40. Exzeo Group's value of 5.01 is 259.1% above this benchmark. Historically, Exzeo Group's own PB Ratio has ranged from 4.29 to 26.11 over the past decade. While the company's 10-year median is 5.42 vs. the industry median of 1.40, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.40, based on 494 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current PB Ratio of 5.01 is 259.1% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current PB Ratio is 5.01, which is near median its own 10-year median of 5.42. 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 PB Ratio of 5.01. The current PB Ratio is 5.01, which is near median its 10-year median of 5.42 and 259.1% above the Insurance industry median of 1.40. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Exzeo Group (XZO), the current PB Ratio is 5.01 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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