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Side-by-side financial comparison of First Foundation Inc. (FFWM) and Exzeo Group, Inc. (XZO). Click either name above to swap in a different company.
Exzeo Group, Inc. is the larger business by last-quarter revenue ($55.5M vs $48.4M, roughly 1.1× First Foundation Inc.). Exzeo Group, Inc. runs the higher net margin — 36.7% vs -97.9%, a 134.6% gap on every dollar of revenue. On growth, First Foundation Inc. posted the faster year-over-year revenue change (421.7% vs 6.0%). Exzeo Group, Inc. produced more free cash flow last quarter ($25.1M vs $-35.2M).
John B. Lacson Colleges Foundation (Bacolod), Inc. is a private maritime college in Bacolod, Negros Occidental, Philippines.
Exzeo Group, Inc. is a global technology firm specializing in cloud-native SaaS solutions for the insurance industry. Its core product portfolio includes claims processing platforms, policy administration tools, and underwriting automation systems, serving insurance carriers, third-party administrators, and independent adjusters across North America and European markets.
FFWM vs XZO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $48.4M | $55.5M |
| Net Profit | $-8.0M | $20.4M |
| Gross Margin | — | 59.0% |
| Operating Margin | -97.5% | 45.2% |
| Net Margin | -97.9% | 36.7% |
| Revenue YoY | 421.7% | 6.0% |
| Net Profit YoY | 43.0% | 13.7% |
| EPS (diluted) | $-0.09 | $0.22 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | — | $55.5M | ||
| Q4 25 | $48.4M | $53.3M | ||
| Q3 25 | $63.6M | $55.2M | ||
| Q2 25 | $51.4M | — | ||
| Q1 25 | $71.4M | — | ||
| Q4 24 | $9.3M | — | ||
| Q3 24 | $9.2M | — | ||
| Q2 24 | $57.5M | — |
| Q1 26 | — | $20.4M | ||
| Q4 25 | $-8.0M | $22.0M | ||
| Q3 25 | $-146.3M | $21.2M | ||
| Q2 25 | $-7.7M | — | ||
| Q1 25 | $6.9M | — | ||
| Q4 24 | $-14.1M | — | ||
| Q3 24 | $-82.2M | — | ||
| Q2 24 | $3.1M | — |
| Q1 26 | — | 59.0% | ||
| Q4 25 | — | 65.4% | ||
| Q3 25 | — | 61.2% | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | 45.2% | ||
| Q4 25 | -97.5% | 50.3% | ||
| Q3 25 | -92.7% | 49.4% | ||
| Q2 25 | -21.1% | — | ||
| Q1 25 | 8.8% | — | ||
| Q4 24 | -247.7% | — | ||
| Q3 24 | -1276.7% | — | ||
| Q2 24 | 4.6% | — |
| Q1 26 | — | 36.7% | ||
| Q4 25 | -97.9% | 41.2% | ||
| Q3 25 | -230.1% | 38.3% | ||
| Q2 25 | -15.0% | — | ||
| Q1 25 | 9.7% | — | ||
| Q4 24 | -152.2% | — | ||
| Q3 24 | -896.9% | — | ||
| Q2 24 | 5.4% | — |
| Q1 26 | — | $0.22 | ||
| Q4 25 | $-0.09 | $0.25 | ||
| Q3 25 | $-1.78 | $0.25 | ||
| Q2 25 | $-0.09 | — | ||
| Q1 25 | $0.08 | — | ||
| Q4 24 | $-0.24 | — | ||
| Q3 24 | $-1.23 | — | ||
| Q2 24 | $0.05 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.6B | $231.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $912.6M | $274.9M |
| Total Assets | $11.9B | $379.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $231.4M | ||
| Q4 25 | $1.6B | $305.4M | ||
| Q3 25 | $1.7B | $140.9M | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.0B | — | ||
| Q4 24 | $1.0B | — | ||
| Q3 24 | $1.1B | — | ||
| Q2 24 | $1.4B | — |
| Q1 26 | — | $274.9M | ||
| Q4 25 | $912.6M | $254.2M | ||
| Q3 25 | $917.9M | $78.4M | ||
| Q2 25 | $1.1B | — | ||
| Q1 25 | $1.1B | — | ||
| Q4 24 | $1.1B | — | ||
| Q3 24 | $1.1B | — | ||
| Q2 24 | $933.2M | — |
| Q1 26 | — | $379.8M | ||
| Q4 25 | $11.9B | $347.7M | ||
| Q3 25 | $11.9B | $182.3M | ||
| Q2 25 | $11.6B | — | ||
| Q1 25 | $12.6B | — | ||
| Q4 24 | $12.6B | — | ||
| Q3 24 | $13.4B | — | ||
| Q2 24 | $13.7B | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $-31.9M | — |
| Free Cash FlowOCF − Capex | $-35.2M | $25.1M |
| FCF MarginFCF / Revenue | -72.8% | 45.3% |
| Capex IntensityCapex / Revenue | 6.9% | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-45.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $-31.9M | — | ||
| Q3 25 | $9.2M | $89.0M | ||
| Q2 25 | $-16.3M | — | ||
| Q1 25 | $-552.0K | — | ||
| Q4 24 | $-8.7M | — | ||
| Q3 24 | $14.2M | — | ||
| Q2 24 | $-9.1M | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | $-35.2M | $97.5M | ||
| Q3 25 | $8.6M | $86.6M | ||
| Q2 25 | $-16.7M | — | ||
| Q1 25 | $-2.5M | — | ||
| Q4 24 | $-11.4M | — | ||
| Q3 24 | $13.4M | — | ||
| Q2 24 | $-9.4M | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | -72.8% | 182.8% | ||
| Q3 25 | 13.5% | 156.9% | ||
| Q2 25 | -32.4% | — | ||
| Q1 25 | -3.5% | — | ||
| Q4 24 | -123.5% | — | ||
| Q3 24 | 146.2% | — | ||
| Q2 24 | -16.3% | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | 6.9% | 5.3% | ||
| Q3 25 | 1.0% | 4.4% | ||
| Q2 25 | 0.8% | — | ||
| Q1 25 | 2.8% | — | ||
| Q4 24 | 29.4% | — | ||
| Q3 24 | 9.0% | — | ||
| Q2 24 | 0.4% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 4.21× | ||
| Q2 25 | — | — | ||
| Q1 25 | -0.08× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | -2.96× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
