C3.ai vs Exzeo Group
C3.ai is the larger business, with $250m of revenue in fiscal 2026 against $217m for Exzeo Group (1.2 times as much). Exzeo Group grew faster (62.0% against -35.7%). Exzeo Group kept more of each dollar of sales as profit: a net margin of 38.1% against -187.9%. C3.ai carries less debt relative to equity (0.0% against 0.0%).
| Latest fiscal year | C3.aiAI, 2026 | Exzeo GroupXZO, 2025 |
|---|---|---|
| Revenue | $250m | $217m |
| Revenue growth | -35.7% | 62.0% |
| Net income | −$470m | $82.7m |
| Operating margin | -199.2% | 48.8% |
| Net margin | -187.9% | 38.1% |
| Return on equity | -63.0% | 61.4% |
| Free cash flow | −$192m | $97.5m |
| Cash | $66.2m | $305m |
| Total debt | $0 | $0 |
| Debt to equity | 0.0% | 0.0% |
| Dividend per share | — | — |
| Dividend yield | — | — |
| Share buybacks | — | $1.5m |
| Employees | 764 | — |
| Market value | $1.79bn | $1.58bn |
| Price vs our value range | — | Below our value range |
| Moat score | 13 (Weak) | — |
| Insider trades, 12 months | 2 buys, 44 sales | 73 buys, 0 sales |