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Exzeo Group, Inc. logo

Exzeo Group, Inc.

XZO

NYSEFinancial ServicesInsurance - Diversified

Open in GoAI

Previous close

$16.87

+$0.69 · +4.26%

Aug 21, 4:00 PM ET

Pre-market

$17.03

+$0.16 · +0.95%

Aug 24, 7:05 AM ET

XZO company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

87

Deep Value

Momentum

52

Neutral

Sentiment

58

Mixed

Risk resilience

46

Elevated Risk

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Company profile

Company website

Exzeo Group, Inc. offers complete technology and operational services tailored for insurance carriers and agents. The core of their offering is an Insurance-as-a-Service (IaaS) platform designed to streamline essential administrative and operational tasks. These capabilities encompass everything from accurate quoting and underwriting to efficient policy lifecycle management, rapid claims processing, and comprehensive data and financial reporting. The company specifically focuses on serving the property and casualty (P&C) insurance market. Founded in 2012 and based in Tampa, Florida, Exzeo Group, Inc. was formerly recognized as TypTap Insurance Group, Inc. It operates under the umbrella of its parent company, HCI Group, Inc.

Industry
Insurance - Diversified
Sector
Financial Services
Headquarters
US
CEO
Pareshbhai Suryakant Patel
Listed since
Nov 5, 2025
Employees
354

Market position

Day range

Current $16.87

52-week range

Current $16.87

Open
$16.25
Previous close
$16.18
Volume
154.33K
0.75× average
Average volume
205.08K
Average daily volume
Market cap
1.53B USD
Beta
0.5
Market reference 1
50-day average
$15.8216
+6.63% above average
200-day average
$16.7972
+0.43% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.91B USD
P/E (TTM)
18.14×
P/B (TTM)
5.32×
P/S (TTM)
6.92×
EV / EBITDA
16.84×
Earnings yield
3.75%
Free cash flow yield
4.42%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
61.14%
Operating margin
48.51%
Net margin
39.14%
Return on equity
32.56%
Return on assets
23.80%
Return on invested capital
29.92%

Financial health

Debt / equity
0.02×
Current ratio
3.86×
Altman Z-score
11.49
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends77%5%-66%-138%Gross margin, FY2020: 3.99%Gross margin, FY2022: -57.60%Gross margin, FY2023: 19.22%Gross margin, FY2024: 39.47%Gross margin, FY2025: 58.81%Operating margin, FY2020: -16.81%Operating margin, FY2022: -82.74%Operating margin, FY2023: 2.89%Operating margin, FY2024: 28.38%Operating margin, FY2025: 48.85%Net margin, FY2020: -24.03%Net margin, FY2022: -119.86%Net margin, FY2023: 23.52%Net margin, FY2024: 32.93%Net margin, FY2025: 38.14%FY2020FY2022FY2023FY2024FY2025
Gross margin FY2020 3.99%. Gross margin FY2022 -57.60%. Gross margin FY2023 19.22%. Gross margin FY2024 39.47%. Gross margin FY2025 58.81%. Operating margin FY2020 -16.81%. Operating margin FY2022 -82.74%. Operating margin FY2023 2.89%. Operating margin FY2024 28.38%. Operating margin FY2025 48.85%. Net margin FY2020 -24.03%. Net margin FY2022 -119.86%. Net margin FY2023 23.52%. Net margin FY2024 32.93%. Net margin FY2025 38.14%.

Income trends

Revenue

216.98M USD+61.99%

Operating income

105.99M USD+178.80%

Net income

82.75M USD+87.62%
Income trends across reported periods244.15M USD135.48M USD26.81M USD−81.86M USDRevenue, FY2020: 51.7M USDRevenue, FY2022: 45.63M USDRevenue, FY2023: 88.33M USDRevenue, FY2024: 133.95M USDRevenue, FY2025: 216.98M USDOperating income, FY2020: −8.69M USDOperating income, FY2022: −37.75M USDOperating income, FY2023: 2.55M USDOperating income, FY2024: 38.02M USDOperating income, FY2025: 105.99M USDNet income, FY2020: −12.42M USDNet income, FY2022: −54.69M USDNet income, FY2023: 20.78M USDNet income, FY2024: 44.1M USDNet income, FY2025: 82.75M USDFY2020FY2022FY2023FY2024FY2025
Revenue FY2020 51.7M USD. Revenue FY2022 45.63M USD. Revenue FY2023 88.33M USD. Revenue FY2024 133.95M USD. Revenue FY2025 216.98M USD. Operating income FY2020 −8.69M USD. Operating income FY2022 −37.75M USD. Operating income FY2023 2.55M USD. Operating income FY2024 38.02M USD. Operating income FY2025 105.99M USD. Net income FY2020 −12.42M USD. Net income FY2022 −54.69M USD. Net income FY2023 20.78M USD. Net income FY2024 44.1M USD. Net income FY2025 82.75M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2020
Revenue216.98M USD133.95M USD88.33M USD45.63M USD51.7M USD
Cost of goods sold89.37M USD81.07M USD71.35M USD71.92M USD49.64M USD
Gross profit127.61M USD52.87M USD16.98M USD−26.28M USD2.06M USD
Operating expenses21.62M USD————
Interest income4.3M USD548K USD52K USD30K USD—
Depreciation and amortization2.93M USD2.36M USD2.2M USD1.69M USD1.1M USD
Operating income105.99M USD38.02M USD2.55M USD−37.75M USD−8.69M USD
Net income82.75M USD44.1M USD20.78M USD−54.69M USD−12.42M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
5 beats, 0 misses, 0 met estimates
Average EPS surprise
+29.27%
5 comparable reports
Latest EPS result
0.26
Estimate 0.24 · Beat by 8.33%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.320.250.180.11Q3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q3 2025, reported Sep 3, 2025: actual 0.28, estimate 0.24, surprise +16.67%, Beat. Q4 2025, reported Dec 10, 2025: actual 0.25, estimate 0.21, surprise +19.05%, Beat. Q1 2026, reported Feb 25, 2026: actual 0.25, estimate 0.13, surprise +92.31%, Beat. Q2 2026, reported May 6, 2026: actual 0.22, estimate 0.2, surprise +10.00%, Beat. Q3 2026, reported Aug 6, 2026: actual 0.26, estimate 0.24, surprise +8.33%, Beat. Q4 2026, reported Dec 9, 2026: actual —, estimate 0.24, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates60.11M54M47.9M41.79MQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q3 2025, reported Sep 3, 2025: actual 56.1M USD, estimate 53.21M USD, surprise +5.43%, Beat. Q4 2025, reported Dec 10, 2025: actual 52.36M USD, estimate 53.21M USD, surprise -1.61%, Miss. Q1 2026, reported Feb 25, 2026: actual 51.04M USD, estimate 44.1M USD, surprise +15.75%, Beat. Q2 2026, reported May 6, 2026: actual 54.01M USD, estimate 57.39M USD, surprise -5.90%, Miss. Q3 2026, reported Aug 6, 2026: actual 57.8M USD, estimate 55.23M USD, surprise +4.65%, Beat. Q4 2026, reported Dec 9, 2026: actual —, estimate 56.01M USD, surprise —, Comparison unavailable.

XZO news

defenseworld.net

Financial Comparison: Exzeo Group (NYSE:XZO) and Keel Infrastructure (NASDAQ:KEEL)

Keel Infrastructure (NASDAQ: KEEL - Get Free Report) and Exzeo Group (NYSE: XZO - Get Free Report) are both technology companies, but which is the superior investment? We will compare the two businesses based on the…

Read source
businesswire.com

Exzeo Authorizes $25 Million Stock Repurchase Program

TAMPA, Fla.--(BUSINESS WIRE)--Exzeo Group, Inc. (NYSE: XZO) today announced that its Board of Directors has authorized a program to purchase up to $25 million of the company's common shares, subject to market conditions.…

Read source
defenseworld.net

Exzeo Group Q2 Earnings Call Highlights

Exzeo Group (NYSE: XZO) reported second-quarter 2026 results that exceeded its guidance, with higher managed premium, revenue and pre-tax income, while outlining continued expansion of its insurance platform and the…

Read source
marketbeat.com

Exzeo Group Q2 Earnings Call Highlights

Exzeo Group NYSE: XZO reported second-quarter 2026 results that exceeded its guidance, with higher managed premium, revenue and pre-tax income, while outlining continued expansion of its insurance platform and the launch…

Read source
seekingalpha.com

Exzeo Group, Inc. (XZO) Q2 2026 Earnings Call Transcript

Exzeo Group, Inc. (XZO) Q2 2026 Earnings Call Transcript

Read source
businesswire.com

Exzeo Announces Second Quarter 2026 Financial Results

TAMPA, Fla.--(BUSINESS WIRE)--Exzeo Group, Inc. (NYSE:XZO) today announced financial results for the second quarter ended June 30, 2026. "Our second quarter results highlight both the quality of our financial model and…

Read source

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