Exzeo Group, Inc. XZO R2K
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.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Strong return on equity of 58.7%.
- Healthy ROCE of 41.9%.
- Excellent profit margin of 37.6%.
CONS
- Trading 42.9% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
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
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
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 | 13.85 | 14.73 | $1.26B | - | 41.88% | 58.67% | - | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 299.31 | 14.33 | $802.00B | 2.00% | - | 16.47% | 12.50% | 14.83% |
| 3 | V Visa Inc. SPX | 326.36 | 28.48 | $620.65B | 0.82% | 38.38% | 60.35% | 10.92% | 10.28% |
| 4 | MA Mastercard Incorporated SPX | 493.98 | 28.57 | $436.47B | 0.70% | 61.47% | - | 13.82% | 14.66% |
| 5 | MS Morgan Stanley SPX | 208.00 | 18.84 | $328.08B | 1.92% | - | 16.39% | 9.52% | 15.20% |
| 6 | GS The Goldman Sachs Group, Inc. SPX | 1,025.56 | 18.73 | $302.55B | 1.76% | - | 14.55% | 7.16% | 15.11% |
| 7 | WFC Wells Fargo & Company SPX | 77.54 | 11.98 | $237.29B | 2.32% | - | 12.03% | 4.02% | 15.98% |
| 8 | BLK BlackRock, Inc. SPX | 1,046.88 | 26.32 | $162.51B | 2.19% | 4.89% | 11.90% | 10.65% | 2.36% |
| 9 | SCHW The Charles Schwab Corporation SPX | 87.35 | 17.37 | $151.91B | 1.47% | - | 19.08% | 4.83% | 7.21% |
Quarterly Results
Figures in USD.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 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 | - | - | 28.82M | 33.55M | 33.77M | 34.87M | 32.74M |
| Operating Expenses | - | - | 5.03M | 5.42M | 6.52M | 8.06M | 7.67M |
| Operating Income | - | - | 23.80M | 28.13M | 27.25M | 26.81M | 25.07M |
| EBITDA | - | - | 24.51M | 30.02M | 29.25M | 29.45M | 25.80M |
| Interest Expense | 15.00K | 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 | - | - | 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 | $9.74M |
| 2 | FJ Capital Management LLC | 0.75% | 682.44K | $9.45M |
| 3 | Goldman Sachs Group Inc | 0.66% | 604.27K | $8.37M |
| 4 | Jennison Associates LLC | 0.63% | 574.92K | $7.96M |
| 5 | Driehaus Capital Management, LLC | 0.58% | 529.75K | $7.34M |
| 6 | Whetstone Capital Advisors, LLC | 0.45% | 411.35K | $5.70M |
| 7 | Essex Investment Management Co LLC | 0.32% | 288.11K | $3.99M |
| 8 | Blackrock Inc. | 0.30% | 274.71K | $3.80M |
| 9 | Jane Street Group, LLC | 0.27% | 247.80K | $3.43M |
| 10 | Holocene Advisors, LP | 0.24% | 214.43K | $2.97M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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