COMP <GO>
XZO vs MSFT // EV/EBITDA & P/E VALUATION
Exzeo Group Inc. (NYSE) VS. Microsoft Corporation (NASDAQ) • 15-METRIC TALLY: XZO 7
— MSFT 5
▲ EV/EBITDA & P/E VALUATION LEADER: XZO
LAST: $17.71 (+0.68%) • MKT CAP: $1.60B
valuation
12.2x
LAST: $530.14 (-0.16%) • MKT CAP: $3.94T
valuation
19.9x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (XZO VS. MSFT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | XZO | MSFT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 60.40% | 67.66% | -7.26 | MSFT | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 26.54% | +58.46 | XZO | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 12.2x | 19.9x | -7.73 | XZO | /valuation <GO> |
| Free Cash Flow Yield | — | 1.55% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 48.80% | 47.10% | +1.70 | XZO | /operating-margins <GO> |
| Net Profit Margin | 38.10% | 41.17% | -3.07 | MSFT | /net-margins <GO> |
| Revenue Growth (YoY) | 62.00% | 17.91% | +44.09 | XZO | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.70% | -0.70 | MSFT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 12.79 | 9.35 | +3.44 | XZO | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 6/9 | -1.00 | MSFT | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 5.74% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.6 | 64.8 | +2.76 | XZO | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.14 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 16.2x | 24.2x | -7.99 | XZO | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $1.60B | $3.94T | -$3.94T | MSFT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | XZO REV | MSFT REV | XZO GROSS % | MSFT GROSS % | XZO FCF | MSFT FCF |
|---|---|---|---|---|---|---|
| FY 2026 | — | $331.84B | — | 67.9% | — | $66.99B |
| FY 2025 | $217.0M | $281.72B | 60.4% | 68.8% | — | $71.61B |
| FY 2024 | $133.9M | $245.12B | 39.7% | 69.8% | — | $74.07B |
| FY 2023 | $88.3M | $211.91B | — | 68.9% | — | $59.48B |
| FY 2022 | — | $198.27B | — | 68.4% | — | $65.15B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
XZO // BETA —
MSFT // BETA 1.14