Symbols / XZO Stock $16.84 +2.93% Exzeo Group, Inc.

Financial Services • Insurance - Diversified • United States • NYQ
XZO (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Insurance - Diversified
CEO Mr. Pareshbhai Suryakant Patel
Exch · Country NYQ · United States
Market Cap 1.53B
Enterprise Value 1.23B
Income 79.00M
Sales 221.28M
FCF (ttm) 91.67M
Book/sh 2.79
Cash/sh 3.36
Employees 354
Insider 10d
IPO Nov 05, 2025
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 17.01
Forward P/E 14.64
PEG
P/S 6.92
P/B 6.03
P/C
EV/EBITDA 10.89
EV/Sales 5.57
Quick Ratio 3.79
Current Ratio 3.86
Debt/Eq 2.85
LT Debt/Eq
EPS (ttm) 0.99
EPS next Y 1.15
EPS Growth 71.40%
Revenue Growth 23.70%
EPS Gr Q/Q 87.90%
Rev Gr Q/Q
Earnings (next) 2026-05-06
Earnings (prior) 2026-02-25
ROA 31.54%
ROE 61.37%
ROIC
Gross Margin 100.00%
Oper. Margin 52.12%
Profit Margin 37.40%
Shs Outstand 90.91M
Shs Float 12.52M
Insider Own 86.19%
Instit Own 9.32%
Short Float 3.93%
Short Ratio 1.96
Short Interest 492.44K
52W High 24.60
vs 52W High -31.54%
52W Low 12.91
vs 52W Low 30.39%
Beta
Impl. Vol.
Rel Volume 0.44
Avg Volume 196.84K
Volume 86.40K
Target (mean) $26.00
Tgt Median $26.00
Tgt Low $25.00
Tgt High $27.00
# Analysts 2
Recom None
Prev Close $16.36
Price $16.84
Change 2.93%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus Mean price target
2. Current target Latest analyst target
3. DCF / Fair value Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$16.84
Low
$25.00
High
$27.00
Mean
$26.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-12-01 init William Blair — → Outperform
2025-12-01 init Truist Securities — → Buy $25
2025-12-01 init Citizens — → Market Outperform $27
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-22 PATEL PARESH Chief Executive Officer 2,000 $16.46 $32,920
2026-04-21 PATEL PARESH Chief Executive Officer 4,000 $17.28 $69,520
2026-04-17 PATEL PARESH Chief Executive Officer 2,000 $16.94 $33,880
2026-04-16 PATEL PARESH Chief Executive Officer 2,000 $16.76 $33,520
2026-04-15 PATEL PARESH Chief Executive Officer 2,000 $16.43 $32,860
2026-04-14 PATEL PARESH Chief Executive Officer 2,000 $16.14 $32,302
2026-04-13 PATEL PARESH Chief Executive Officer 2,000 $15.13 $30,260
2026-04-10 PATEL PARESH Chief Executive Officer 2,000 $15.38 $30,760
2026-04-09 PATEL PARESH Chief Executive Officer 2,000 $15.74 $31,480
2026-04-08 PATEL PARESH Chief Executive Officer 2,000 $15.05 $30,100
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31
Total Revenue
216.98
Operating Revenue
207.52
Cost Of Revenue
85.96
Reconciled Cost Of Revenue
83.50
Gross Profit
131.02
Operating Expense
25.03
Research And Development
8.83
Selling General And Administration
15.72
Total Expenses
110.99
Operating Income
105.99
Total Operating Income As Reported
105.99
EBITDA
113.23
Normalized EBITDA
108.92
Reconciled Depreciation
2.93
EBIT
110.29
Total Unusual Items
4.30
Total Unusual Items Excluding Goodwill
4.30
Net Income
82.75
Pretax Income
110.29
Net Non Operating Interest Income Expense
0.00
Interest Expense Non Operating
0.00
Net Interest Income
0.00
Interest Expense
0.00
Other Income Expense
4.30
Gain On Sale Of Security
4.30
Tax Provision
27.54
Tax Rate For Calcs
0.00
-3.92%
0.00
Tax Effect Of Unusual Items
1.08
+654.30%
0.14
Net Income Including Noncontrolling Interests
82.75
Net Income From Continuing Operation Net Minority Interest
82.75
Net Income From Continuing And Discontinued Operation
82.75
Net Income Continuous Operations
82.75
Net Income Discontinuous Operations
0.00
Normalized Income
79.52
+209.88%
25.66
Net Income Common Stockholders
82.75
Diluted EPS
0.39
Basic EPS
0.39
Basic Average Shares
90.78
Diluted Average Shares
90.78
Diluted NI Availto Com Stockholders
82.75
Depreciation Amortization Depletion Income Statement
0.48
Depreciation And Amortization In Income Statement
0.48
Line Item Trend 2025-12-31
Total Assets
347.73
Current Assets
325.82
Cash Cash Equivalents And Short Term Investments
305.37
Cash And Cash Equivalents
305.37
Receivables
18.92
Accounts Receivable
2.91
Other Receivables
4.72
Taxes Receivable
0.00
Prepaid Assets
1.48
Other Current Assets
0.04
Total Non Current Assets
21.91
Net PPE
17.55
Gross PPE
31.49
Accumulated Depreciation
-13.95
Properties
0.00
Machinery Furniture Equipment
23.26
Construction In Progress
0.71
Other Properties
6.93
Leases
0.59
Non Current Accounts Receivable
1.12
Non Current Deferred Assets
2.98
Non Current Deferred Taxes Assets
2.98
Other Non Current Assets
0.27
Total Liabilities Net Minority Interest
93.58
Current Liabilities
84.39
Payables And Accrued Expenses
11.08
Payables
11.08
Accounts Payable
7.55
Total Tax Payable
2.46
Income Tax Payable
2.46
Current Debt And Capital Lease Obligation
2.41
Current Capital Lease Obligation
2.41
Current Deferred Liabilities
70.89
Current Deferred Revenue
70.89
Total Non Current Liabilities Net Minority Interest
9.19
Long Term Debt And Capital Lease Obligation
4.83
Long Term Capital Lease Obligation
4.83
Non Current Deferred Liabilities
3.57
Non Current Deferred Revenue
3.57
Non Current Deferred Taxes Liabilities
0.00
Other Non Current Liabilities
0.79
Stockholders Equity
254.16
Common Stock Equity
254.16
Capital Stock
0.09
Common Stock
0.09
Share Issued
90.93
Ordinary Shares Number
90.93
Additional Paid In Capital
228.65
Retained Earnings
25.42
Other Equity Adjustments
Total Equity Gross Minority Interest
254.16
Total Capitalization
254.16
Working Capital
241.43
Invested Capital
254.16
Total Debt
7.25
Capital Lease Obligations
7.25
Net Tangible Assets
254.16
Tangible Book Value
254.16
Duefrom Related Parties Current
11.29
Dueto Related Parties Current
1.07
Line Item Trend 2025-12-31
Operating Cash Flow
100.30
Cash Flow From Continuing Operating Activities
100.30
Net Income From Continuing Operations
82.75
Depreciation Amortization Depletion
2.93
Depreciation
2.93
Depreciation And Amortization
2.93
Stock Based Compensation
2.64
Deferred Tax
-5.10
Deferred Income Tax
-5.10
Operating Gains Losses
0.17
Net Foreign Currency Exchange Gain Loss
0.17
Change In Working Capital
16.90
Change In Receivables
0.78
Changes In Account Receivables
-2.91
Change In Prepaid Assets
-0.87
Change In Payables And Accrued Expense
0.72
Change In Payable
0.72
Change In Account Payable
0.72
Change In Other Working Capital
16.22
Change In Other Current Assets
-0.00
Change In Other Current Liabilities
0.06
Investing Cash Flow
-2.84
Cash Flow From Continuing Investing Activities
-2.84
Capital Expenditure
-2.84
Capital Expenditure Reported
-2.84
Financing Cash Flow
153.65
Cash Flow From Continuing Financing Activities
153.65
Net Issuance Payments Of Debt
0.00
Issuance Of Debt
0.00
Repayment Of Debt
0.00
Long Term Debt Issuance
0.00
Long Term Debt Payments
0.00
Net Long Term Debt Issuance
0.00
Net Common Stock Issuance
154.72
Common Stock Payments
-1.49
Cash Dividends Paid
0.00
Repurchase Of Capital Stock
-1.49
Net Other Financing Charges
-1.07
Changes In Cash
251.10
Effect Of Exchange Rate Changes
-0.23
Beginning Cash Position
54.50
End Cash Position
305.37
Free Cash Flow
97.45
Interest Paid Supplemental Data
0.00
Income Tax Paid Supplemental Data
34.22
Common Stock Issuance
156.21
Issuance Of Capital Stock
156.21
Net Preferred Stock Issuance
0.00
Preferred Stock Dividend Paid
0.00
Preferred Stock Payments
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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