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Exzeo GroupXZO +1.52%39 Return-on-Tangible-Asset is 24.32% as of Jun. 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 502 Insurance companies, Exzeo Group ranks better than 98.41% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Exzeo Group's annualizedNet Income for the quarter that ended in Jun. 2026 was $93.1 Mil. Exzeo Group's average total tangible assets for the quarter that ended in Jun. 2026 was $382.8 Mil. Therefore, Exzeo Group's annualized Return-on-Tangible-Asset for the quarter that ended in Jun. 2026 was 24.32%.
The historical rank and industry rank for Exzeo Group's Return-on-Tangible-Asset or its related term are showing as below:
XZO'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -37.64 Med: -1.95 Max: 37.86
Current: 29.8
During the past 6 years, Exzeo Group's highest Return-on-Tangible-Asset was 37.86%. The lowest was -37.64%. And the median was -1.95%.
XZO's Return-on-Tangible-Asset is ranked better than 98.41% of 502
companies
in the Insurance industry
Industry Median: 2.785
vs XZO: 29.80
Exzeo Group (NYSE:XZO) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Exzeo Group Return-on-Tangible-Asset Related Terms
Exzeo Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 24.32% mean?
Exzeo Group (XZO) has a Return-on-Tangible-Asset of 24.32% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Exzeo Group and its competitors. According to the industry distribution chart, Exzeo Group ranks #8 out of 502 companies in the Insurance industry, placing it in the top 1.6%.
Is Exzeo Group's Return-on-Tangible-Asset too high?
Exzeo Group's current Return-on-Tangible-Asset is 24.32%. The Insurance industry median Return-on-Tangible-Asset is 2.79. Exzeo Group's value of 24.32% is 773.2% above this industry median. Based on the distribution chart, Exzeo Group ranks #8 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position 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 Return-on-Tangible-Asset compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #8 out of 502 companies for Return-on-Tangible-Asset. This places Exzeo Group in the top 2% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.79. Exzeo Group's value of 24.32% is 773.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.79, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Return-on-Tangible-Asset of 24.32% is 773.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Return-on-Tangible-Asset is 24.32%. 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 Return-on-Tangible-Asset of 24.32%. The current Return-on-Tangible-Asset is 24.32% and 773.2% above the Insurance industry median of 2.79. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Exzeo Group (XZO), the current Return-on-Tangible-Asset is 24.32% 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
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