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Side-by-side financial comparison of READING INTERNATIONAL INC (RDI) 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 $50.3M, roughly 1.1× READING INTERNATIONAL INC). Exzeo Group, Inc. runs the higher net margin — 36.7% vs -5.1%, a 41.8% gap on every dollar of revenue. On growth, Exzeo Group, Inc. posted the faster year-over-year revenue change (6.0% vs -14.2%). Exzeo Group, Inc. produced more free cash flow last quarter ($25.1M vs $4.1M).
The Reading Company was a Philadelphia-headquartered railroad that provided passenger and freight transport in eastern Pennsylvania and neighboring states from 1924 until its acquisition by Conrail in 1976.
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.
RDI vs XZO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $50.3M | $55.5M |
| Net Profit | $-2.6M | $20.4M |
| Gross Margin | — | 59.0% |
| Operating Margin | -1.9% | 45.2% |
| Net Margin | -5.1% | 36.7% |
| Revenue YoY | -14.2% | 6.0% |
| Net Profit YoY | -14.5% | 13.7% |
| EPS (diluted) | $-0.11 | $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 | $50.3M | $53.3M | ||
| Q3 25 | $52.2M | $55.2M | ||
| Q2 25 | $60.4M | — | ||
| Q1 25 | $40.2M | — | ||
| Q4 24 | $58.6M | — | ||
| Q3 24 | $60.1M | — | ||
| Q2 24 | $46.8M | — |
| Q1 26 | — | $20.4M | ||
| Q4 25 | $-2.6M | $22.0M | ||
| Q3 25 | $-4.2M | $21.2M | ||
| Q2 25 | $-2.7M | — | ||
| Q1 25 | $-4.8M | — | ||
| Q4 24 | $-2.2M | — | ||
| Q3 24 | $-7.0M | — | ||
| Q2 24 | $-12.8M | — |
| 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 | -1.9% | 50.3% | ||
| Q3 25 | -0.6% | 49.4% | ||
| Q2 25 | 4.8% | — | ||
| Q1 25 | -17.2% | — | ||
| Q4 24 | 2.6% | — | ||
| Q3 24 | -0.6% | — | ||
| Q2 24 | -16.4% | — |
| Q1 26 | — | 36.7% | ||
| Q4 25 | -5.1% | 41.2% | ||
| Q3 25 | -8.0% | 38.3% | ||
| Q2 25 | -4.4% | — | ||
| Q1 25 | -11.8% | — | ||
| Q4 24 | -3.8% | — | ||
| Q3 24 | -11.7% | — | ||
| Q2 24 | -27.4% | — |
| Q1 26 | — | $0.22 | ||
| Q4 25 | $-0.11 | $0.25 | ||
| Q3 25 | $-0.18 | $0.25 | ||
| Q2 25 | $-0.12 | — | ||
| Q1 25 | $-0.21 | — | ||
| Q4 24 | $-0.11 | — | ||
| Q3 24 | $-0.31 | — | ||
| Q2 24 | $-0.57 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $10.5M | $231.4M |
| Total DebtLower is stronger | $185.1M | — |
| Stockholders' EquityBook value | $-18.2M | $274.9M |
| Total Assets | $434.9M | $379.8M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $231.4M | ||
| Q4 25 | $10.5M | $305.4M | ||
| Q3 25 | $8.1M | $140.9M | ||
| Q2 25 | $9.1M | — | ||
| Q1 25 | $5.9M | — | ||
| Q4 24 | $12.4M | — | ||
| Q3 24 | $10.1M | — | ||
| Q2 24 | $9.3M | — |
| Q1 26 | — | — | ||
| Q4 25 | $185.1M | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | $202.7M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $274.9M | ||
| Q4 25 | $-18.2M | $254.2M | ||
| Q3 25 | $-12.1M | $78.4M | ||
| Q2 25 | $-7.7M | — | ||
| Q1 25 | $-8.1M | — | ||
| Q4 24 | $-4.4M | — | ||
| Q3 24 | $1.6M | — | ||
| Q2 24 | $6.5M | — |
| Q1 26 | — | $379.8M | ||
| Q4 25 | $434.9M | $347.7M | ||
| Q3 25 | $435.2M | $182.3M | ||
| Q2 25 | $438.1M | — | ||
| Q1 25 | $441.0M | — | ||
| Q4 24 | $471.0M | — | ||
| Q3 24 | $495.7M | — | ||
| Q2 24 | $494.9M | — |
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 | $4.3M | — |
| Free Cash FlowOCF − Capex | $4.1M | $25.1M |
| FCF MarginFCF / Revenue | 8.2% | 45.3% |
| Capex IntensityCapex / Revenue | 0.3% | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-2.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $4.3M | — | ||
| Q3 25 | $295.0K | $89.0M | ||
| Q2 25 | $1.6M | — | ||
| Q1 25 | $-7.7M | — | ||
| Q4 24 | $8.0M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $-10.4M | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | $4.1M | $97.5M | ||
| Q3 25 | $-246.0K | $86.6M | ||
| Q2 25 | $1.2M | — | ||
| Q1 25 | $-8.0M | — | ||
| Q4 24 | $7.0M | — | ||
| Q3 24 | $-1.1M | — | ||
| Q2 24 | $-10.6M | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | 8.2% | 182.8% | ||
| Q3 25 | -0.5% | 156.9% | ||
| Q2 25 | 1.9% | — | ||
| Q1 25 | -19.8% | — | ||
| Q4 24 | 12.0% | — | ||
| Q3 24 | -1.8% | — | ||
| Q2 24 | -22.7% | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | 0.3% | 5.3% | ||
| Q3 25 | 1.0% | 4.4% | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 1.7% | — | ||
| Q3 24 | 4.0% | — | ||
| Q2 24 | 0.5% | — |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 4.21× | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RDI
| Cinema Exhibition Segment | $46.9M | 93% |
| Real Estate Revenue | $3.4M | 7% |
XZO
Segment breakdown not available.
