Exzeo Group, Inc. — Earnings Quality Grade A
XZO · Financial Services
Strong financial health
Screening Summary
Management Signals
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Insufficient data
Expense Quality
No material inventory
Insufficient data
SG&A/Gross Profit = 12.0%, excellent (<30%)
Insufficient data
Cash Flow Quality
CFFO/NI = 1.21. Profits backed by cash
FCF $0.1B, FCF/NI = 1.18
Accruals ratio = -5.0%. Low accruals
Cash $0.3B covers debt $0.0B
Balance Sheet Health
No goodwill. Clean balance sheet
Debt/EBITDA = 0.1x. Healthy
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
No goodwill
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor XZO continuously
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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