Provides turnkey insurance technology and operations solutions. Offers an Insurance-as-a-Service (IaaS) platform. Now — the numbers.
This is an established company with proven profits.
Average growth of 33% a year over the last 4 years. Red columns mark years that ended in a loss.
The market pays 17.7× for every dollar of annual profit — around what a business like this usually costs.
Against companies in its own sector, it looks cheaper than 21% of them.
No analyst target is on record for this company.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
Clearly below the class average.
Sales are growing strongly for its sector.
Clearly below the class average.
Valuation: The stock trades at a price that looks expensive next to its earnings; that can cap future returns.
Price Momentum: The stock has lagged the market in recent months; investor interest is weak right now.
The stock trades 34% below its peak. The market has trimmed its expectations for the company.
The net profit margin is 38% — still a thick cushion, though costs have been eating into it lately.
Over the last 5 years, sales grew about 33% a year on average.
Over the last 12 months, company executives reported 61 buys and 0 sells. Management buying with its own money is usually read as a good sign.
Today’s price already includes part of tomorrow’s optimism. Report-card grade: 21/100.
Buyers haven’t stepped back in yet; the price hasn’t found its footing. Report-card grade: 29/100. For a turnaround signal, the stock first needs to close the gap with the market.
On our five-subject report card, XZO sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: XZO is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.