Exzeo Group, Inc. (XZO)
NYSE:XZO
Want to see XZO full AI Analyst Report?
XZO Stock Chart & Stats
$15.40
--
Market closed
$15.40
--
Day’s Range― - ―
52-Week Range$12.36 - $24.60
Previous CloseN/A
VolumeN/A
Average Volume (3M)578.09K
Market Cap
$1.21B
Enterprise Value$970.22M
Total Cash (Recent Filing)$231.38M
Total Debt (Recent Filing)$6.93M
Price to Earnings (P/E)14.2
Beta2.93
Next Earnings
Dec 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.67
Shares Outstanding90,918,430
10 Day Avg. Volume244,003
30 Day Avg. Volume578,087
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)8.67
Price to Sales (P/S)10.16
P/FCF Ratio22.62
Enterprise Value/Market Cap0.80
Enterprise Value/Revenue5.92
Enterprise Value/Gross Profit9.82
Enterprise Value/Ebitda11.15
Forecast
1Y Price Target
$25.00Price Target Upside62.34% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.01
Revenue Forecast (FY)$233.00M
Bulls Say, Bears Say
Bulls Say
Strong Cash Generation & FCF ConversionExzeo converted earnings to cash at high rates in 2025, with operating cash flow above net income and free cash flow near net income. This durable cash generation supports reinvestment, buybacks, and cushions operational volatility over coming quarters.
Debt‑free Balance Sheet & Equity ExpansionA debt‑free position and materially expanded equity provide structural financial flexibility: capacity to fund growth, absorb underwriting variability, and execute a $12M buyback without raising leverage, improving long‑term resilience and strategic optionality.
Rapid Product Innovation (AI WinForm Pro)Fast deployment of an AI product with early external traction signals a sustainable competitive edge in automation and monetization. Over months this can expand ARR, lower service costs, and create stickier carrier relationships as product adoption scales.
Bears Say
Historic Volatility In MetricsSharp year‑over‑year swings in revenue and margins indicate earnings and margin volatility that may persist. Such structural variability complicates forecasting, makes operating leverage less reliable, and raises execution risk for sustaining recent profitability levels.
Revenue Recognition Limits Near‑term ConversionA sizable portion of managed premium is recognized over time, so platform premium growth translates slowly to reported revenue. This structural timing effect can mute near‑term revenue and margin realization despite durable premium expansion, affecting quarter‑to‑quarter visibility.
Customer Concentration & Seasonality (Florida)Geographic concentration in Florida exposes the business to seasonality and weather‑driven underwriting cycles. Structural exposure can amplify premium and margin volatility around renewals and catastrophes, challenging consistent multi‑period revenue and underwriting performance.
Exzeo Group, Inc. News
XZO FAQ
What was Exzeo Group, Inc.’s price range in the past 12 months?
Exzeo Group, Inc. lowest stock price was $12.36 and its highest was $24.60 in the past 12 months.
What is Exzeo Group, Inc.’s market cap?
Exzeo Group, Inc.’s market cap is $1.21B.
When is Exzeo Group, Inc.’s upcoming earnings report date?
Exzeo Group, Inc.’s upcoming earnings report date is Dec 16, 2026 which is in 177 days.
How were Exzeo Group, Inc.’s earnings last quarter?
Exzeo Group, Inc. released its earnings results on May 06, 2026. The company reported $0.22 earnings per share for the quarter, beating the consensus estimate of $0.207 by $0.013.
Is Exzeo Group, Inc. overvalued?
According to Wall Street analysts Exzeo Group, Inc.’s price is currently Undervalued.
Does Exzeo Group, Inc. pay dividends?
Exzeo Group, Inc. does not currently pay dividends.
What is Exzeo Group, Inc.’s EPS estimate?
Exzeo Group, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Exzeo Group, Inc. have?
Exzeo Group, Inc. has 90,918,430 shares outstanding.
What happened to Exzeo Group, Inc.’s price movement after its last earnings report?
Exzeo Group, Inc. reported an EPS of $0.22 in its last earnings report, beating expectations of $0.207. Following the earnings report the stock price went down -19.282%.
Which hedge fund is a major shareholder of Exzeo Group, Inc.?
Currently, no hedge funds are holding shares in XZO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Exzeo Group, Inc. Stock Smart Score
Company Description
Exzeo Group, Inc.
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.
XZO Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed multiple substantive positives: solid top‑line growth, high profitability (≈49% adjusted EBITDA margin), strong free cash flow (123% conversion), balance sheet strength (debt‑free with $330M assets), early success diversifying managed premium with new carriers contributing ~$105M, and rapid AI‑driven product development (WinForm Pro) that demonstrates new monetization avenues. Near‑term constraints include revenue recognition timing limiting immediate revenue conversion of recently added premium, planned flat managed premium in Q2, product monetization expected to be modest initially, and concentration/seasonality risk from a Florida‑centric client base. Despite some transcript inconsistencies in reported figures, the fundamental operating metrics and guidance were positive and management is investing to scale, so the highlights outweigh the lowlights.View all XZO earnings summariesXZO Stock 12 Month Forecast
Average Price Target
$25.00
▲(62.34% Upside)
Arch Capital Group
―
Old Republic International
―
International General Insurance Holdings
―
GooseHead Insurance
―
―
Ownership Overview
3.78% Insiders
1.61% Mutual Funds
4.12% Other Institutional Investors
89.55% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---