A
Exzeo Group, Inc. — Earnings Quality Grade A
XZO · Financial Services
Strong financial health
Revenue
$217M
2025
Net Income
$83M
2025
Gross Margin
60.4%
Free Cash Flow
$97M
01
Screening Summary
10
Passed
0
Watch
0
Failed
—
M-Score
Management Signals
No recent CEO, CFO, board, or accounting leadership signals found in SEC 8-K filings.
03
18-Point Screening
01
Revenue Quality
—
A1DSO Change
Insufficient data
—
A2AR vs Revenue Growth
Insufficient data
—
A3Revenue vs CFFO
Insufficient data
02
Expense Quality
✓
B1Inventory vs COGS
No material inventory
—
B2CapEx vs Revenue
Insufficient data
✓
B3SG&A Ratio
SG&A/Gross Profit = 12.0%, excellent (<30%)
—
B4Gross Margin
Insufficient data
03
Cash Flow Quality
✓
C1CFFO vs Net Income
CFFO/NI = 1.21. Profits backed by cash
✓
C2Free Cash Flow
FCF $0.1B, FCF/NI = 1.18
✓
C3Accruals Ratio
Accruals ratio = -5.0%. Low accruals
✓
C4Cash vs Debt
Cash $0.3B covers debt $0.0B
04
Balance Sheet Health
✓
D1Goodwill + Intangibles
No goodwill. Clean balance sheet
✓
D2Leverage
Debt/EBITDA = 0.1x. Healthy
—
D3Soft Asset Growth
Insufficient data
—
D4Asset Impairment
No write-off data
05
Acquisition Risk
✓
E1Serial Acquirer FCF
FCF after acquisitions positive
✓
E2Goodwill Surge
No goodwill
06
Manipulation Score
—
F1Beneish M-Score
Insufficient data
Altman Z-Score — Not Applicable
Exzeo Group, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25