Exzeo Group, Inc. XZO R2K
Company Overview
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. The company offers an Insurance-as-a-Service (IaaS) platform that provides solutions for operational and administrative activities, such as quoting and underwriting, policy management, claims processing management, data reporting, and financial reporting. It serves property and casualty insurance industry. The company was formerly known as TypTap Insurance Group, Inc. Exzeo Group, Inc. was founded in 2012 and is based in Tampa, Florida. Exzeo Group, Inc. is a subsidiary of HCI Group, Inc.
Why Investors Should Care
Generates a return on equity of 58.7%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 41.9%.
Trades at an undemanding P/E of 17.3.
Maintains a net profit margin of 37.6%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +9.9%, earnings +1.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 9.90% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | 1.40% |
Stock Price Performance
| 1 Year: | -22.51% |
| 6 Months: | -27.77% |
| 3 Months: | +5.71% |
| 1 Month: | +21.86% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- RSI (14)53.00 · Neutral
P/E of 17.32 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Strong return on equity of 58.7%.
- Healthy ROCE of 41.9%.
- Excellent profit margin of 37.6%.
- Generates positive free cash flow.
CONS
- Trading 32.9% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | XZO Exzeo Group, Inc. R2K | 16.28 | 17.32 | $1.48B | 0.00% | 41.88% | 58.67% | - | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | 29.11M | - | 52.41M | 56.09M | 55.17M | 53.32M | 55.53M |
| Cost of Revenue | - | - | 23.58M | 22.54M | 21.39M | 18.44M | 22.79M |
| Gross Profit | 11.12M | - | 28.82M | 33.55M | 33.77M | 34.87M | 32.74M |
| Operating Expenses | - | - | 5.03M | 5.42M | 6.52M | 8.06M | 7.67M |
| Operating Income | 6.73M | - | 23.80M | 28.13M | 27.25M | 26.81M | 25.07M |
| EBITDA | - | - | 24.51M | 30.02M | 29.25M | 29.45M | 25.80M |
| Interest Expense | - | 8.00K | - | - | 0 | 0 | - |
| Pretax Income | - | - | 24.20M | 28.89M | 28.35M | 28.85M | 27.59M |
| Tax Provision | - | - | 6.24M | 7.23M | 7.20M | 6.87M | 7.18M |
| Net Income | 5.26M | - | 17.95M | 21.66M | 21.15M | 21.98M | 20.41M |
| Diluted EPS | 0.06 | - | 0.20 | - | 0.23 | 0.25 | 0.22 |
| R&D Expense | 1.73M | - | 2.22M | - | 2.49M | - | 2.31M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | - | - | - | 216.98M |
| Cost of Revenue | - | - | - | 85.96M |
| Gross Profit | - | - | - | 131.02M |
| Operating Expenses | - | - | - | 25.03M |
| Operating Income | - | - | - | 105.99M |
| EBITDA | - | - | - | 113.23M |
| Interest Expense | - | - | - | 0 |
| Pretax Income | - | - | - | 110.29M |
| Tax Provision | - | - | - | 27.54M |
| Net Income | - | - | - | 82.75M |
| Diluted EPS | -0.75 | 0.13 | 0.39 | 0.99 |
| R&D Expense | - | 6.53M | 6.51M | 8.83M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | - | - | - | 347.73M |
| Current Assets | - | - | - | 325.82M |
| Cash & Equivalents | - | - | - | 305.37M |
| Inventory | - | - | - | - |
| Receivables | - | - | 0 | 2.91M |
| Total Liabilities | - | - | - | 93.58M |
| Current Liabilities | - | - | - | 84.39M |
| Long Term Debt | - | - | - | - |
| Total Debt | - | - | - | 7.25M |
| Total Equity | -43.12M | - | - | 254.16M |
| Shares Outstanding | - | - | - | 90.93M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|
| Operating Cash Flow | - | - | 100.30M |
| Investing Cash Flow | - | - | -2.84M |
| Financing Cash Flow | - | - | 153.65M |
| Capital Expenditure | - | - | -2.84M |
| Free Cash Flow | - | - | 97.45M |
| Net Change in Cash | - | - | 251.10M |
| Share Buybacks | 352.00K | 481.00K | 1.49M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | 60.4% |
| Operating Margin % | - | - | - | 48.8% |
| Net Margin % | - | - | - | 38.1% |
| ROE % | - | - | - | 32.6% |
| ROCE % | - | - | - | 40.2% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Janus Henderson Group PLC | 0.77% | 703.30K | $13.24M |
| 2 | FJ Capital Management LLC | 0.75% | 682.44K | $12.85M |
| 3 | Goldman Sachs Group Inc | 0.66% | 604.27K | $11.38M |
| 4 | Jennison Associates LLC | 0.63% | 574.92K | $10.82M |
| 5 | Driehaus Capital Management, LLC | 0.58% | 529.75K | $9.97M |
| 6 | Whetstone Capital Advisors, LLC | 0.45% | 411.35K | $7.74M |
| 7 | Essex Investment Management Co LLC | 0.32% | 288.11K | $5.42M |
| 8 | Blackrock Inc. | 0.30% | 274.71K | $5.17M |
| 9 | Jane Street Group, LLC | 0.27% | 247.80K | $4.66M |
| 10 | Holocene Advisors, LP | 0.24% | 214.43K | $4.04M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for XZO
Exzeo to discuss June-quarter results after market close Aug. 6 - Stock Titan
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XZO Forecast — Price Target — Prediction for 2027 - TradingView
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$XZO stock is down 17% today. Here's what we see in our data. - Quiver Quantitative
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Exzeo: Post-Earnings Selloff Met With A Buyback (NYSE:XZO) - Seeking Alpha
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A Look At Exzeo Group (XZO) Valuation As Recent Trading Swings Draw Investor Attention - simplywall.st
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XZO — Frequently Asked Questions
What is the current share price of Exzeo Group, Inc. (XZO)?
As of 2026-07-14 21:23 PDT, Exzeo Group, Inc. (XZO) trades at $16.28 on NYSE. Its 52-week range is $12.55 to $24.25.
What is the market capitalisation of XZO?
Exzeo Group, Inc. (XZO) has a market capitalisation of $1.48B on NYSE.
What is the P/E ratio of XZO?
XZO trades at a trailing price-to-earnings (P/E) ratio of 17.32. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 6.23.
What is the return on equity (ROE) of XZO?
XZO has a return on equity (ROE) of 58.67%. Its return on capital employed (ROCE) is 41.88%.
Is XZO a good stock to buy?
This page provides a data-driven analysis of Exzeo Group, Inc. (XZO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.