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Side-by-side financial comparison of REGIS CORP (RGS) and Exzeo Group, Inc. (XZO). Click either name above to swap in a different company.
REGIS CORP is the larger business by last-quarter revenue ($57.1M vs $55.5M, roughly 1.0× Exzeo Group, Inc.). Exzeo Group, Inc. runs the higher net margin — 36.7% vs 0.8%, a 35.9% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 6.0%). Exzeo Group, Inc. produced more free cash flow last quarter ($25.1M vs $891.0K).
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
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.
RGS vs XZO — Head-to-Head
Income Statement — Q2 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $55.5M |
| Net Profit | $456.0K | $20.4M |
| Gross Margin | — | 59.0% |
| Operating Margin | 10.8% | 45.2% |
| Net Margin | 0.8% | 36.7% |
| Revenue YoY | 22.3% | 6.0% |
| Net Profit YoY | -94.0% | 13.7% |
| EPS (diluted) | $0.16 | $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 | $57.1M | $53.3M | ||
| Q3 25 | $59.0M | $55.2M | ||
| Q2 25 | $60.4M | — | ||
| Q1 25 | $57.0M | — | ||
| Q4 24 | $46.7M | — | ||
| Q3 24 | $46.1M | — | ||
| Q2 24 | $49.4M | — |
| Q1 26 | — | $20.4M | ||
| Q4 25 | $456.0K | $22.0M | ||
| Q3 25 | $1.4M | $21.2M | ||
| Q2 25 | $116.5M | — | ||
| Q1 25 | $250.0K | — | ||
| Q4 24 | $7.6M | — | ||
| Q3 24 | $-853.0K | — | ||
| Q2 24 | $91.2M | — |
| 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 | 10.8% | 50.3% | ||
| Q3 25 | 10.0% | 49.4% | ||
| Q2 25 | 12.1% | — | ||
| Q1 25 | 8.8% | — | ||
| Q4 24 | 11.8% | — | ||
| Q3 24 | 4.6% | — | ||
| Q2 24 | — | — |
| Q1 26 | — | 36.7% | ||
| Q4 25 | 0.8% | 41.2% | ||
| Q3 25 | 2.3% | 38.3% | ||
| Q2 25 | 192.9% | — | ||
| Q1 25 | 0.4% | — | ||
| Q4 24 | 16.4% | — | ||
| Q3 24 | -1.9% | — | ||
| Q2 24 | 184.7% | — |
| Q1 26 | — | $0.22 | ||
| Q4 25 | $0.16 | $0.25 | ||
| Q3 25 | $0.49 | $0.25 | ||
| Q2 25 | $43.67 | — | ||
| Q1 25 | $0.08 | — | ||
| Q4 24 | $2.71 | — | ||
| Q3 24 | $-0.36 | — | ||
| Q2 24 | $38.40 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $18.4M | $231.4M |
| Total DebtLower is stronger | $113.3M | — |
| Stockholders' EquityBook value | $188.7M | $274.9M |
| Total Assets | $588.3M | $379.8M |
| Debt / EquityLower = less leverage | 0.60× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $231.4M | ||
| Q4 25 | $18.4M | $305.4M | ||
| Q3 25 | $16.6M | $140.9M | ||
| Q2 25 | $17.0M | — | ||
| Q1 25 | $13.3M | — | ||
| Q4 24 | $10.2M | — | ||
| Q3 24 | $6.3M | — | ||
| Q2 24 | $10.1M | — |
| Q1 26 | — | — | ||
| Q4 25 | $113.3M | — | ||
| Q3 25 | $111.3M | — | ||
| Q2 25 | $110.8M | — | ||
| Q1 25 | $112.0M | — | ||
| Q4 24 | $111.5M | — | ||
| Q3 24 | $95.2M | — | ||
| Q2 24 | $99.5M | — |
| Q1 26 | — | $274.9M | ||
| Q4 25 | $188.7M | $254.2M | ||
| Q3 25 | $187.6M | $78.4M | ||
| Q2 25 | $185.6M | — | ||
| Q1 25 | $68.6M | — | ||
| Q4 24 | $66.7M | — | ||
| Q3 24 | $56.4M | — | ||
| Q2 24 | $56.8M | — |
| Q1 26 | — | $379.8M | ||
| Q4 25 | $588.3M | $347.7M | ||
| Q3 25 | $592.1M | $182.3M | ||
| Q2 25 | $599.0M | — | ||
| Q1 25 | $511.2M | — | ||
| Q4 24 | $530.1M | — | ||
| Q3 24 | $508.9M | — | ||
| Q2 24 | $530.5M | — |
| Q1 26 | — | — | ||
| Q4 25 | 0.60× | — | ||
| Q3 25 | 0.59× | — | ||
| Q2 25 | 0.60× | — | ||
| Q1 25 | 1.63× | — | ||
| Q4 24 | 1.67× | — | ||
| Q3 24 | 1.69× | — | ||
| Q2 24 | 1.75× | — |
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 | $1.7M | — |
| Free Cash FlowOCF − Capex | $891.0K | $25.1M |
| FCF MarginFCF / Revenue | 1.6% | 45.3% |
| Capex IntensityCapex / Revenue | 1.4% | 0.6% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $1.7M | — | ||
| Q3 25 | $2.3M | $89.0M | ||
| Q2 25 | $6.8M | — | ||
| Q1 25 | $6.2M | — | ||
| Q4 24 | $2.1M | — | ||
| Q3 24 | $-1.3M | — | ||
| Q2 24 | $5.1M | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | $891.0K | $97.5M | ||
| Q3 25 | $1.9M | $86.6M | ||
| Q2 25 | $6.2M | — | ||
| Q1 25 | $5.9M | — | ||
| Q4 24 | $1.7M | — | ||
| Q3 24 | $-1.4M | — | ||
| Q2 24 | $5.1M | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | 1.6% | 182.8% | ||
| Q3 25 | 3.2% | 156.9% | ||
| Q2 25 | 10.3% | — | ||
| Q1 25 | 10.3% | — | ||
| Q4 24 | 3.6% | — | ||
| Q3 24 | -3.0% | — | ||
| Q2 24 | 10.3% | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | 1.4% | 5.3% | ||
| Q3 25 | 0.7% | 4.4% | ||
| Q2 25 | 0.9% | — | ||
| Q1 25 | 0.6% | — | ||
| Q4 24 | 0.9% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.0% | — |
| Q1 26 | — | — | ||
| Q4 25 | 3.65× | — | ||
| Q3 25 | 1.68× | 4.21× | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 24.80× | — | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | — | — | ||
| Q2 24 | 0.06× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
XZO
Segment breakdown not available.
