Exzeo Group (XZO) Stock Analysis & Winston Score

I don't have reliable information about **Exzeo Group, Inc.** (ticker: XZO) in my training data. This appears to be either a very small company, a recently formed entity, or a fictional/placeholder company. I cannot find details about its products, customers, geography, or business model.

If I were to write a description using invented details, it could mislead investors — which would be irresponsible on a stock research platform.

**To get an accurate description, please provide any of the following:** - A brief business description or 10-K summary - The company's main products or services - Key customers or end markets - Geographic footprint - Any known competitive advantages

Once you share those details, I can write a clean, accurate 2-paragraph description that follows all the formatting rules. I'd rather ask than guess on something investors will read.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

YoY Growth Rate

Revenue data limited

EPS Growth

YoY Growth Rate

EPS data limited

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

86.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$231M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.2% over 5y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 90.8M (2020) → 90.9M (2025)

Score breakdown

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Quality

Gross Margin

57.4%

Premium pricing power — 57.4% gross margin

Operating Margin

45.2%

Excellent — 45.2% operating margin

ROCE

8.9%

Below par — 8.9% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales YoY

+76.7%

Fast-growing sales (76.7% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

124%

Turns 124% of profit into real cash

FCF Margin

47.1%

Converts sales into free cash efficiently (47.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.03

Conservative — low debt load (0.03)

Interest Cover

100.00x

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

17.7x

Fair value — P/E 17.7

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+0.8

GROWING

Earnings roughly flat

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Dividends

Not applicable for this business.

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