Filing Flows › Comparisons › XZO vs AI
Exzeo Group vs C3.ai: XZO and AI compared
Exzeo Group is the larger company: $55.2M of revenue in its latest quarter (Q3 2026) against $52.4M for C3.ai (Q1 FY27). Exzeo Group is growing faster (0% against -26% a year earlier). Exzeo Group is more profitable, with an operating margin of 47.4% against -187.6%.
Where the money goes: XZO and AI
Exzeo Group (XZO) · Q3 2026
Exzeo Group, Q3 2026: revenue $55.2M (0% year over year), operating margin 47.4%, net earnings $22.3M, operating cash flow $31.7M. The chart follows the revenue to costs, profit and cash.
C3.ai (AI) · Q1 FY27
C3.ai, Q1 FY27: revenue $52.4M (-26% year over year), operating margin -187.6%, net loss $92.8M, operating cash flow $2.1M. The chart follows the revenue to costs, profit and cash.
| Exzeo Group (XZO) | C3.ai (AI) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q1 FY27 |
| Revenue | $55.2M | $52.4M |
| Revenue growth, Y/Y | 0% | -26% |
| Gross margin | 62.1% | — |
| Operating margin | 47.4% | -187.6% |
| Net earnings | $22.3M | −$92.8M |
| Net margin | 40.5% | -177.2% |
| Operating cash flow | $31.7M | $2.1M |
| Free cash flow | $31.4M | $2.1M |
| Market value | — | $1.8B |
| Analysts’ mean target | — | $8.90 |
Where the revenue comes from
Exzeo Group
- Underwriting and Management Services: $45.9M (83%)
- Claim Services: $6.6M (12%)
- Technology Service: $2.7M (5%)
C3.ai
- Subscription: $49.2M (94%)
- Professional services: $3.2M (6%)
Questions
Which is bigger, Exzeo Group or C3.ai?
Exzeo Group is the larger company: $55.2M of revenue in its latest quarter (Q3 2026) against $52.4M for C3.ai (Q1 FY27).
Is Exzeo Group or C3.ai growing faster?
Exzeo Group is growing faster (0% against -26% a year earlier).
Which is more profitable, Exzeo Group or C3.ai?
Exzeo Group is more profitable, with an operating margin of 47.4% against -187.6%.
More: Exzeo Group earnings · how Exzeo Group makes money · C3.ai earnings · how C3.ai makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Sep 9, 2026). Fiscal quarters can end on different dates. Not investment advice.