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Side-by-side financial comparison of OR Royalties Inc. (OR) 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 $46.7M, roughly 1.2× OR Royalties Inc.).
OR Royalties Inc. is a Canadian company that holds royalties in gold, silver and diamond mines, principally in the form of net smelter returns and streams.Like its predecessor company, Osisko Mining, it is headquartered in Montreal, Quebec, with shares listed on the Toronto Stock Exchange and the New York Stock Exchange.
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.
OR vs XZO — Head-to-Head
Income Statement — Q2 FY2022 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $46.7M | $55.5M |
| Net Profit | — | $20.4M |
| Gross Margin | — | 59.0% |
| Operating Margin | — | 45.2% |
| Net Margin | — | 36.7% |
| Revenue YoY | — | 6.0% |
| Net Profit YoY | — | 13.7% |
| EPS (diluted) | — | $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 | — | $53.3M | ||
| Q3 25 | — | $55.2M | ||
| Q2 22 | $46.7M | — | ||
| Q1 22 | $43.4M | — |
| Q1 26 | — | $20.4M | ||
| Q4 25 | — | $22.0M | ||
| Q3 25 | — | $21.2M | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | 59.0% | ||
| Q4 25 | — | 65.4% | ||
| Q3 25 | — | 61.2% | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | 45.2% | ||
| Q4 25 | — | 50.3% | ||
| Q3 25 | — | 49.4% | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | 36.7% | ||
| Q4 25 | — | 41.2% | ||
| Q3 25 | — | 38.3% | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | $0.22 | ||
| Q4 25 | — | $0.25 | ||
| Q3 25 | — | $0.25 | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $231.4M |
| Total DebtLower is stronger | $222.8M | — |
| Stockholders' EquityBook value | $1.3B | $274.9M |
| Total Assets | — | $379.8M |
| Debt / EquityLower = less leverage | 0.17× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $231.4M | ||
| Q4 25 | — | $305.4M | ||
| Q3 25 | — | $140.9M | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 22 | $222.8M | — | ||
| Q1 22 | $302.5M | — |
| Q1 26 | — | $274.9M | ||
| Q4 25 | — | $254.2M | ||
| Q3 25 | — | $78.4M | ||
| Q2 22 | $1.3B | — | ||
| Q1 22 | $1.3B | — |
| Q1 26 | — | $379.8M | ||
| Q4 25 | — | $347.7M | ||
| Q3 25 | — | $182.3M | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 22 | 0.17× | — | ||
| Q1 22 | 0.23× | — |
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 | — | — |
| Free Cash FlowOCF − Capex | — | $25.1M |
| FCF MarginFCF / Revenue | — | 45.3% |
| Capex IntensityCapex / Revenue | — | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $89.0M | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | — | $97.5M | ||
| Q3 25 | — | $86.6M | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | — | 182.8% | ||
| Q3 25 | — | 156.9% | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | — | 5.3% | ||
| Q3 25 | — | 4.4% | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 4.21× | ||
| Q2 22 | — | — | ||
| Q1 22 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
