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Richard Sloan from the University of Michigan was first to document what is referred to as the "accrual anomaly". His 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones.
Exzeo Group's Sloan Ratio for the quarter that ended in Jun. 2026 was 52.79%.
As of Jun. 2026, Exzeo Group has a Sloan Ratio of 52.79%, indicating there is a warning stage of accrual build up.
A former University of Michigan researcher, Richard Sloan's 1996 paper found that shares of companies with small or negative accruals vastly outperform (+10%) those of companies with large ones. In fact, for the 40-year period between 1962 and 2001, buying the lowest accrual companies and shorting the highest accrual companies resulted in an average annual compounded return of 18%, more than double the S&P 500's 7.4% annual return over the same period.
If the Sloan Ratio is between -10% and 10%, the company is in the safe zone and there is no funny business with accruals.
If the Sloan Ratio is less than between -25% and -10% on the negative side, and between 10% and 25% on the positive side, this is a warning stage of accrual build up.
If the Sloan Ratio is less than -25% or greater than 25%, and this ratio is consistent over several quarters or even years, be careful. Earnings are highly likely to be made up of accruals.
As of Jun. 2026, Exzeo Group has a Sloan Ratio of 52.79%, indicating there is a warning stage of accrual build up.
Exzeo Group Sloan Ratio % Related Terms
Exzeo Group Sloan Ratio % Historical Data
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The historical data trend for Exzeo Group's Sloan 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 Sloan Ratio %, along with its competitors' market caps and Sloan 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 Sloan Ratio % vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Sloan Ratio % distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Sloan Ratio % falls into.
Earnings contain a lot of non cash earnings which is called accruals. The Sloan ratio is a way to identify firms with low non-cash or accrual-derived earnings relative to their cash flow.
Exzeo Group's Sloan Ratio for the fiscal year that ended in Dec. 2025 is calculated as
Exzeo Group's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was 21.151 (Sep. 2025 ) + 21.984 (Dec. 2025 ) + 20.406 (Mar. 2026 ) + 23.269 (Jun. 2026 ) = $86.8 Mil.
Exzeo Group's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was 31.491 (Sep. 2025 ) + 11.281 (Dec. 2025 ) + 25.472 (Mar. 2026 ) + 15.415 (Jun. 2026 ) = $83.7 Mil.
Exzeo Group's Cash Flow from Investing for the trailing twelve months (TTM) ended in Jun. 2026 was -1.189 (Sep. 2025 ) + -0.403 (Dec. 2025 ) + -99.321 (Mar. 2026 ) + -99.61 (Jun. 2026 ) = $-200.5 Mil.
* 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.
Exzeo Group (XZO) has a Sloan Ratio % of 52.79% as of Jun. 2026. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Exzeo Group and its competitors.
Is Exzeo Group's Sloan Ratio % too high?
Exzeo Group's current Sloan Ratio % is 52.79%. 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 Sloan Ratio % compare to IGIC and PLGO?
Exzeo Group's Sloan Ratio % of 52.79% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Sloan Ratio % for an Insurance company?
A good Sloan Ratio % depends on the Insurance industry context. However, Sloan Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Sloan Ratio % mean?
A high Sloan Ratio % can signal that a stock is expensive relative to its fundamentals. Sloan ratio measures earnings quality based on the amount of accruals. View historical data on Exzeo Group and its competitors. Exzeo Group's current Sloan Ratio % is 52.79%. 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 Sloan Ratio % of 52.79%. The current Sloan Ratio % is 52.79%. 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 Sloan Ratio % calculated?
Sloan Ratio % is calculated from a company's financial statements. For Exzeo Group (XZO), the current Sloan Ratio % is 52.79% 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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