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Exzeo GroupXZO +1.52%39 ROE % 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 497 Insurance companies, Exzeo Group ranks better than 96.18% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Exzeo Group's annualized net income for the quarter that ended in Jun. 2026 was $93.1 Mil. Exzeo Group's average Total Stockholders Equity over the quarter that ended in Jun. 2026 was $281.6 Mil. Therefore, Exzeo Group's annualized ROE % for the quarter that ended in Jun. 2026 was 33.06%.
The historical rank and industry rank for Exzeo Group's ROE % or its related term are showing as below:
XZO'
s ROE % 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 ROE % was 61.37%. The lowest was -905.45%. And the median was -73.21%.
XZO's ROE % is ranked better than 96.18% of 497
companies
in the Insurance industry
Industry Median: 12.13
vs XZO: 45.58
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Exzeo Group ROE % Related Terms
Exzeo Group ROE % Historical Data
* Premium members only.
The historical data trend for Exzeo Group's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's ROE % distribution charts can be found below:
* The bar in red indicates where Exzeo Group's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Exzeo Group (XZO) has a ROE % of 33.06% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Exzeo Group and its competitors. According to the industry distribution chart, Exzeo Group ranks #19 out of 497 companies in the Insurance industry, placing it in the top 3.8%.
Is Exzeo Group's ROE % too high?
Exzeo Group's current ROE % is 33.06%. The Insurance industry median ROE % is 12.13. Exzeo Group's value of 33.06% is 172.5% above this industry median. Based on the distribution chart, Exzeo Group ranks #19 out of 497 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 ROE % compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #19 out of 497 companies for ROE %. This places Exzeo Group in the top 4% of its industry — outperforming the majority of peers. The industry median ROE % is 12.13. Exzeo Group's value of 33.06% is 172.5% 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 12.13, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current ROE % of 33.06% is 172.5% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median ROE % is 12.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current ROE % 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 ROE % of 33.06%. The current ROE % is 33.06% and 172.5% above the Insurance industry median of 12.13. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Exzeo Group (XZO), the current ROE % 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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