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XZO

Exzeo Group, Inc.
Chart
$13.22
Latest Week 2026-06-05
Financial ServicesInsurance - DiversifiedSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.88
OS Score
67.0%
Value
95.0%
Quality
62.0%
Momentum
5/9
F-Score
0.798
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
6 of 23 passing
★
OS Composite
OS 0.880
↗
Trending Value
✗
◆
Quality × Value
QV 0.798
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
12.0%
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
ROE 31%
📈
Consistent Earners
✗
🌱
GARP
Rev +39%
🔄
Shareholder Yield
✗
💰
High Yield
✗
🚀
Momentum Leaders
✗
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 67th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
67.0%ile
P/E
14.1×
P/S
5.5×
P/B
4.4×
E/P
0.0709
FCF Yield
0.111
EBITDA/EV
0.120
SH Yield
0.000
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
71.00000000
/100 — 1=cheapest
VC2 (Trending Value)
77.00000000
/100
VC3 (Buyback)
77.00000000
/100
FCF yield of 11.1% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
95.0%ile
ROE
0.310
ROA
0.224
Net Margin
0.387
Op Margin
0.518
GPA
0.348
D/E
0.38
Current
2.65
F-Score
5/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.389
Earn Growth
2.068
Stability
0.737
lower=better
Accruals
-0.055
lower=better
5yr Consist
No
ROE of 31% is exceptional. Conservative balance sheet with D/E of 0.38.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
62.0%ile
6M Return
-27.5%
Vol 252d
69.9%
Vol 60d
62.8%
↓ Contracting
Max DD 12M
-43.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
OS
Composite & Factor Heatmap
All factors at a glance
0.88
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
20.4%
Sector Quality %ile
96.6%
P/E z-score
0.01
P/B z-score
0.06
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
FXNC First National Corp 98.0% 90.0% 92.0% 84.0%
RNR Renaissancere Holdings Ltd 98.0% 97.0% 96.0% 70.0%
Factor Interactions
Growth at Reasonable Price
Revenue growing 39% with P/E of 14×. Growth isn't fully priced in.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
C
57.9% avg (7 factors)
Quality
A
89.6% avg (8 factors)
Momentum
F
3.1% avg (1 factors)
Risk
F
0.2% avg (1 factors)
Momentum is weak, suggesting the market isn't yet buying this thesis. Patience required. Elevated risk profile — position sizing should reflect the higher volatility.
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.880—1—
Value %ile0.670—0—
Quality %ile0.950—1—
Momentum %ile0.620—0—
F-Score5.000—0—
Confidence0.939—1—
Volatility0.699—1—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
14.11
Earnings Yield (E/P)
0.0709
Price / Sales
5.46
Price / Book
4.37
Price / Cash Flow
11.34
FCF Yield
11.1%
EBITDA / EV
12.0%
Sales Yield (1/P·S)
0.2262
Shareholder Yield
Div + net buyback / mktcap
0.0%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
31.0%
Return on Assets
22.4%
Net Margin
38.7%
Operating Margin
51.8%
Gross Profit / Assets
Novy-Marx GPA
34.8%
Debt / Equity
0.38
Current Ratio
2.65
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.055
MomentumPrice trend strength over different horizons
6M Return
-27.5%
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
38.9%
Earnings Growth (YoY)
206.8%
Earnings Stability (CV)
Lower = more stable
0.737
5yr Consistent
EPS up every year for 5 years
No
Piotroski F-Score
5
Dividend Yield
0.0%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
71
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
77
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
77
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity