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Exzeo GroupXZO +1.52%39 Altman Z-Score is 10.93 as of Sep. 11, 2026, which is 4% below its 10-year median of 11.42. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 62 Insurance companies, Exzeo Group ranks better than 88.71% on this metric.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Good Sign:
Altman Z-score of 10.8 is strong.
Exzeo Group has a Altman Z-Score of 10.93, indicating it is in Safe Zones. This implies the Altman Z-Score is strong.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for Exzeo Group's Altman Z-Score or its related term are showing as below:
XZO'
s Altman Z-Score Range Over the Past 10 Years
Min: 9.88 Med: 11.42 Max: 16.74
Current: 10.8
During the past 6 years, Exzeo Group's highest Altman Z-Score was 16.74. The lowest was 9.88. And the median was 11.42.
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
Altman Z-Score does not apply to financial companies.
Exzeo Group Altman Z-Score Related Terms
Exzeo Group Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Altman Z-Score 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: Altman Z-Score Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Altman Z-Score, along with its competitors' market caps and Altman Z-Score 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 Altman Z-Score vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Altman Z-Score falls into.
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
Exzeo Group's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
0.2021
+
1.4
*
0.1791
+
3.3
*
0.3013
+
0.6
*
14.7848
+
1.0
*
0.5749
=
10.93
* 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. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
Exzeo Group (XZO) has a Altman Z-Score of 10.93 as of Sep. 11, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Exzeo Group and its competitors. This is near median its historical median of 11.42. Over the past decade, Exzeo Group's Altman Z-Score has ranged from 9.88 to 16.74. According to the industry distribution chart, Exzeo Group ranks #7 out of 62 companies in the Insurance industry, placing it in the top 11.3%.
Is Exzeo Group's Altman Z-Score too high?
Exzeo Group's current Altman Z-Score of 10.93 is near median its 10-year median of 11.42. Over the past 10 years, this metric has ranged from a low of 9.88 to a high of 16.74. The Insurance industry median Altman Z-Score is 1.58. Exzeo Group's value of 10.93 is 591.8% above this industry median. Based on the distribution chart, Exzeo Group ranks #7 out of 62 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 Altman Z-Score compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #7 out of 62 companies for Altman Z-Score. This places Exzeo Group in the top 11% of its industry — outperforming the majority of peers. The industry median Altman Z-Score is 1.58. Exzeo Group's value of 10.93 is 591.8% above this benchmark. Historically, Exzeo Group's own Altman Z-Score has ranged from 9.88 to 16.74 over the past decade. While the company's 10-year median is 11.42 vs. the industry median of 1.58, 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 Altman Z-Score for an Insurance company?
The median Altman Z-Score among Insurance companies is 1.58, based on 62 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Altman Z-Score of 10.93 is 591.8% 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 Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Altman Z-Score is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Altman Z-Score is 10.93, which is near median its own 10-year median of 11.42. 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 Altman Z-Score of 10.93. The current Altman Z-Score is 10.93, which is near median its 10-year median of 11.42 and 591.8% above the Insurance industry median of 1.58. 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 Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Exzeo Group (XZO), the current Altman Z-Score is 10.93 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.
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