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Exzeo GroupXZO +1.52%39 Return-on-Tangible-Equity is 33.06% as of Jun. 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 491 Insurance companies, Exzeo Group ranks better than 91.85% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Exzeo Group's annualized net income for the quarter that ended in Jun. 2026 was $93.1 Mil. Exzeo Group's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $281.6 Mil. Therefore, Exzeo Group's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 33.06%.
The historical rank and industry rank for Exzeo Group's Return-on-Tangible-Equity or its related term are showing as below:
XZO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -905.45 Med: -73.21 Max: 61.37
Current: 45.58
During the past 6 years, Exzeo Group's highest Return-on-Tangible-Equity was 61.37%. The lowest was -905.45%. And the median was -73.21%.
XZO's Return-on-Tangible-Equity is ranked better than 91.85% of 491
companies
in the Insurance industry
Industry Median: 13.87
vs XZO: 45.58
Exzeo Group (NYSE:XZO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Exzeo Group Return-on-Tangible-Equity Related Terms
Exzeo Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Return-on-Tangible-Equity 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-Equity Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 33.06% mean?
Exzeo Group (XZO) has a Return-on-Tangible-Equity of 33.06% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Exzeo Group and its competitors. According to the industry distribution chart, Exzeo Group ranks #40 out of 491 companies in the Insurance industry, placing it in the top 8.1%.
Is Exzeo Group's Return-on-Tangible-Equity too high?
Exzeo Group's current Return-on-Tangible-Equity is 33.06%. The Insurance industry median Return-on-Tangible-Equity is 13.87. Exzeo Group's value of 33.06% is 138.4% above this industry median. Based on the distribution chart, Exzeo Group ranks #40 out of 491 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-Equity compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #40 out of 491 companies for Return-on-Tangible-Equity. This places Exzeo Group in the top 8% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 13.87. Exzeo Group's value of 33.06% is 138.4% 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.87, based on 491 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Return-on-Tangible-Equity of 33.06% is 138.4% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Return-on-Tangible-Equity is 33.06%. 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-Equity of 33.06%. The current Return-on-Tangible-Equity is 33.06% and 138.4% above the Insurance industry median of 13.87. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Exzeo Group (XZO), the current Return-on-Tangible-Equity is 33.06% 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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