vs
Side-by-side financial comparison of Neuronetics, Inc. (STIM) 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 $41.8M, roughly 1.3× Neuronetics, Inc.). Exzeo Group, Inc. runs the higher net margin — 36.7% vs -17.2%, a 54.0% gap on every dollar of revenue. On growth, Neuronetics, Inc. posted the faster year-over-year revenue change (85.7% vs 6.0%). Exzeo Group, Inc. produced more free cash flow last quarter ($25.1M vs $692.0K).
Neuronetics is a Malvern, PA based, publicly traded company incorporated in Delaware in April 2003, that develops non-invasive treatments for psychiatric disorders that have shown resistance or lack of improvement using traditional medicine. The treatments are based upon neuromodulation technology.
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.
STIM vs XZO — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $41.8M | $55.5M |
| Net Profit | $-7.2M | $20.4M |
| Gross Margin | 52.0% | 59.0% |
| Operating Margin | -12.1% | 45.2% |
| Net Margin | -17.2% | 36.7% |
| Revenue YoY | 85.7% | 6.0% |
| Net Profit YoY | 43.2% | 13.7% |
| EPS (diluted) | $-0.10 | $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 | $41.8M | $53.3M | ||
| Q3 25 | $37.3M | $55.2M | ||
| Q2 25 | $38.1M | — | ||
| Q1 25 | $32.0M | — | ||
| Q4 24 | $22.5M | — | ||
| Q3 24 | $18.5M | — | ||
| Q2 24 | $16.4M | — |
| Q1 26 | — | $20.4M | ||
| Q4 25 | $-7.2M | $22.0M | ||
| Q3 25 | $-9.0M | $21.2M | ||
| Q2 25 | $-10.1M | — | ||
| Q1 25 | $-12.7M | — | ||
| Q4 24 | $-12.7M | — | ||
| Q3 24 | $-13.3M | — | ||
| Q2 24 | $-9.8M | — |
| Q1 26 | — | 59.0% | ||
| Q4 25 | 52.0% | 65.4% | ||
| Q3 25 | 45.9% | 61.2% | ||
| Q2 25 | 46.6% | — | ||
| Q1 25 | 49.2% | — | ||
| Q4 24 | 66.2% | — | ||
| Q3 24 | 75.6% | — | ||
| Q2 24 | 74.0% | — |
| Q1 26 | — | 45.2% | ||
| Q4 25 | -12.1% | 50.3% | ||
| Q3 25 | -19.6% | 49.4% | ||
| Q2 25 | -21.1% | — | ||
| Q1 25 | -34.4% | — | ||
| Q4 24 | -51.0% | — | ||
| Q3 24 | -41.7% | — | ||
| Q2 24 | -51.7% | — |
| Q1 26 | — | 36.7% | ||
| Q4 25 | -17.2% | 41.2% | ||
| Q3 25 | -24.3% | 38.3% | ||
| Q2 25 | -26.6% | — | ||
| Q1 25 | -39.6% | — | ||
| Q4 24 | -56.4% | — | ||
| Q3 24 | -72.0% | — | ||
| Q2 24 | -59.8% | — |
| Q1 26 | — | $0.22 | ||
| Q4 25 | $-0.10 | $0.25 | ||
| Q3 25 | $-0.13 | $0.25 | ||
| Q2 25 | $-0.15 | — | ||
| Q1 25 | $-0.21 | — | ||
| Q4 24 | $-0.34 | — | ||
| Q3 24 | $-0.44 | — | ||
| Q2 24 | $-0.33 | — |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $28.1M | $231.4M |
| Total DebtLower is stronger | $65.8M | — |
| Stockholders' EquityBook value | $22.4M | $274.9M |
| Total Assets | $141.6M | $379.8M |
| Debt / EquityLower = less leverage | 2.94× | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $231.4M | ||
| Q4 25 | $28.1M | $305.4M | ||
| Q3 25 | $28.0M | $140.9M | ||
| Q2 25 | $11.0M | — | ||
| Q1 25 | $20.2M | — | ||
| Q4 24 | $18.5M | — | ||
| Q3 24 | $20.9M | — | ||
| Q2 24 | $42.6M | — |
| Q1 26 | — | — | ||
| Q4 25 | $65.8M | — | ||
| Q3 25 | $65.7M | — | ||
| Q2 25 | $55.5M | — | ||
| Q1 25 | $55.3M | — | ||
| Q4 24 | $55.2M | — | ||
| Q3 24 | $46.0M | — | ||
| Q2 24 | $59.8M | — |
| Q1 26 | — | $274.9M | ||
| Q4 25 | $22.4M | $254.2M | ||
| Q3 25 | $27.4M | $78.4M | ||
| Q2 25 | $27.1M | — | ||
| Q1 25 | $35.5M | — | ||
| Q4 24 | $27.7M | — | ||
| Q3 24 | $9.4M | — | ||
| Q2 24 | $19.4M | — |
| Q1 26 | — | $379.8M | ||
| Q4 25 | $141.6M | $347.7M | ||
| Q3 25 | $145.5M | $182.3M | ||
| Q2 25 | $134.7M | — | ||
| Q1 25 | $142.0M | — | ||
| Q4 24 | $140.9M | — | ||
| Q3 24 | — | — | ||
| Q2 24 | $96.8M | — |
| Q1 26 | — | — | ||
| Q4 25 | 2.94× | — | ||
| Q3 25 | 2.40× | — | ||
| Q2 25 | 2.05× | — | ||
| Q1 25 | 1.56× | — | ||
| Q4 24 | 1.99× | — | ||
| Q3 24 | 4.90× | — | ||
| Q2 24 | 3.08× | — |
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 | $908.0K | — |
| Free Cash FlowOCF − Capex | $692.0K | $25.1M |
| FCF MarginFCF / Revenue | 1.7% | 45.3% |
| Capex IntensityCapex / Revenue | 0.5% | 0.6% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-21.2M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $908.0K | — | ||
| Q3 25 | $-785.0K | $89.0M | ||
| Q2 25 | $-3.5M | — | ||
| Q1 25 | $-17.0M | — | ||
| Q4 24 | $-8.6M | — | ||
| Q3 24 | $-5.4M | — | ||
| Q2 24 | $-5.0M | — |
| Q1 26 | — | $25.1M | ||
| Q4 25 | $692.0K | $97.5M | ||
| Q3 25 | $-899.0K | $86.6M | ||
| Q2 25 | $-3.8M | — | ||
| Q1 25 | $-17.2M | — | ||
| Q4 24 | $-8.7M | — | ||
| Q3 24 | $-5.8M | — | ||
| Q2 24 | $-5.6M | — |
| Q1 26 | — | 45.3% | ||
| Q4 25 | 1.7% | 182.8% | ||
| Q3 25 | -2.4% | 156.9% | ||
| Q2 25 | -9.9% | — | ||
| Q1 25 | -53.8% | — | ||
| Q4 24 | -38.6% | — | ||
| Q3 24 | -31.3% | — | ||
| Q2 24 | -34.0% | — |
| Q1 26 | — | 0.6% | ||
| Q4 25 | 0.5% | 5.3% | ||
| Q3 25 | 0.3% | 4.4% | ||
| Q2 25 | 0.7% | — | ||
| Q1 25 | 0.7% | — | ||
| Q4 24 | 0.4% | — | ||
| Q3 24 | 2.1% | — | ||
| Q2 24 | 3.7% | — |
| 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.
