LMND vs XZO
LMND: A digital-first, AI-powered insurance platform that has reimagined the customer experience and business model for renters, homeowners, pet, car, and life insurance. XZO: Exzeo is a managing general agent and InsurTech platform providing underwriting, policy administration, and claims services for property and casualty insurance, primarily serving related insurance entities.
Side-by-side fundamentals
| Metric | LMND | XZO | Edge |
|---|---|---|---|
| Price as of 2026-07-31 close | $48.31 | $15.52 | |
| Market cap as of 2026-08-03 | $3.7B | $1.4B | |
| P/E as of 2026-08-03 | n/a | 11.47 | |
| Net margin as of 2026-08-03 | -16.4% | +37.9% | XZO higher |
| Gross margin as of 2026-08-03 | n/a | +60.1% | |
| Operating margin as of 2026-08-03 | -15.9% | +48.1% | XZO higher |
| ROE as of 2026-08-03 | -26.5% | +62.1% | XZO higher |
| ROA as of 2026-08-03 | -7.2% | +38.5% | XZO higher |
| Debt / equity as of 2026-08-03 | 0.35 | 0.00 | XZO lower |
| Revenue growth (YoY) as of 2026-08-03 | +51.2% | +19.7% | LMND higher |
| Revenue CAGR (3y) SEC XBRL | +42.2% | +56.7% | XZO higher |
| Beta as of 2026-08-03 | 1.95 | 1.88 | |
| 1-year return as of 2026-07-31 close | +28.2% | n/a |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-31.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.