Exzeo Group, Inc. XZO R2KFINANCIAL
Company Overview
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents in the United States. The company offers Exzeo Platform, an Insurance-as-a-Service (IaaS) platform that provides technology-based solutions for operational and administrative activities, such as quoting and underwriting, policy management, claims management, data reporting, and financial reporting; and streamlines and automates interactions between insurance carriers and policyholders. It also provides CasaClue, a data repository; Harmony, a policy administration platform that streamlines the entire policy lifecycle; AtlasViewer, a mapping and data visualization platform that integrates location-based data from multiple sources; and Mercury, a workflow solution designed to ensure uniform routing and policy change tracking. In addition, the company offers ClaimColony, an End-to-end claims management platform; AtlasViewer, a tool to look at claims and manage the claims lifecycle; JustEZ app which helps sync inspections from various carriers, schedule appointments, sync photos to cloud, and write scoping reports; Exahub, a centralized data platform; and ExzeoIQ that provides transparent reporting for customers. 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 50.4%, reflecting efficient use of shareholder capital.
Return on capital employed stands at 40.2%.
Trades at an undemanding P/E of 16.4.
Maintains a net profit margin of 37.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +6.9%, earnings -1.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 6.90% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -1.40% |
Stock Price Performance
| 1 Year: | -19.47% |
| 6 Months: | +0.48% |
| 3 Months: | +6.42% |
| 1 Month: | +8.12% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)61.19 · Neutral
P/E of 16.43 is above the sector median of 13.55 — 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 50.4%.
- Healthy ROCE of 40.2%.
- Excellent profit margin of 37.7%.
- Generates positive free cash flow.
CONS
- Trading 30.2% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* 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. R2KFINANCIAL | 16.92 | 16.43 | $1.52B | 0.00% | 40.25% | 50.37% | - | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
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 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 29.11M | - | 52.41M | 56.09M | 55.17M | 53.32M | 55.53M | 57.79M |
| 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 | 36.84M |
| 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 | 28.46M |
| 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 | 23.27M |
| Diluted EPS | 0.06 | - | 0.20 | - | 0.23 | 0.25 | 0.22 | 0.26 |
| R&D Expense | 1.73M | - | 2.22M | - | 2.49M | - | 2.31M | 2.44M |
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 | Jupiter Topco LLC | 0.81% | 728.24K | $11.64M |
| 2 | American Century Companies Inc | 0.67% | 602.83K | $9.63M |
| 3 | Jennison Associates LLC | 0.63% | 568.68K | $9.09M |
| 4 | Goldman Sachs Group Inc | 0.63% | 571.34K | $9.13M |
| 5 | Whetstone Capital Advisors, LLC | 0.60% | 541.54K | $8.65M |
| 6 | Blackrock Inc. | 0.51% | 457.88K | $7.32M |
| 7 | Essex Investment Management Co LLC | 0.30% | 268.70K | $4.29M |
| 8 | FJ Capital Management LLC | 0.25% | 223.79K | $3.58M |
| 9 | Citadel Advisors Llc | 0.19% | 172.70K | $2.76M |
| 10 | State Street Corporation | 0.17% | 150.00K | $2.40M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for XZO
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XZO — Frequently Asked Questions
What is the current share price of Exzeo Group, Inc. (XZO)?
As of 2026-10-23 16:27 PDT, Exzeo Group, Inc. (XZO) trades at $16.92 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 $1.52B on NYSE.
What is the P/E ratio of XZO?
XZO trades at a trailing price-to-earnings (P/E) ratio of 16.43. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 5.48.
What is the return on equity (ROE) of XZO?
XZO has a return on equity (ROE) of 50.37%. Its return on capital employed (ROCE) is 40.25%.
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.