Exzeo Group, Inc. (XZO)
NYSE:XZO
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XZO Stock Chart & Stats
$15.40
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Market closed
$15.40
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Day’s Range― - ―
52-Week Range$12.92 - $24.60
Previous CloseN/A
VolumeN/A
Average Volume (3M)578.09K
Market Cap
$1.49B
Enterprise Value$1.23B
Total Cash (Recent Filing)$305.37M
Total Debt (Recent Filing)$7.25M
Price to Earnings (P/E)26.6
Beta3.66
Next Earnings
May 06, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.25
Shares Outstanding90,913,540
10 Day Avg. Volume244,003
30 Day Avg. Volume578,087
Financial Highlights & Ratios
PEG Ratio0.20
Price to Book (P/B)8.67
Price to Sales (P/S)10.16
P/FCF Ratio22.62
Enterprise Value/Market Cap0.83
Enterprise Value/Revenue11.30
Enterprise Value/Gross Profit17.85
Enterprise Value/Ebitda21.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.97
Revenue Forecast (FY)$233.37M
Bulls Say, Bears Say
Bulls Say
Strong Free Cash Flow ConversionExzeo's ~117% free cash flow conversion in 2025 shows earnings reliably convert to cash, supporting self‑funded growth, product investment and partner rollouts. Durable FCF reduces refinancing reliance and provides a multi‑quarter buffer for execution risk and strategic initiatives.
High Margins And ARR ExpansionRapid ARR growth alongside adjusted EBITDA margins above 54% indicates scalable, recurring economics. Strong recurring revenue improves cash visibility and operating leverage, enabling sustained reinvestment in go‑to‑market and product capabilities that support durable competitive differentiation.
Clean Balance Sheet With Ample LiquidityA net cash position and materially expanded equity give Exzeo flexibility to fund growth, absorb timing delays, and invest in sales or product without taking on leverage. This balance‑sheet strength lowers solvency risk and supports sustained execution over the next several quarters.
Bears Say
Historical Capital Structure VolatilitySignificant year‑to‑year swings in leverage, margins and ROE point to instability and potential one‑off effects. Such step‑changes increase model risk and mean 2025 metrics may not persist absent consistent capital allocation and operational maturity, requiring monitoring over multiple quarters.
Concentrated Carrier Base Limits PredictabilityDependence on a handful of carrier partners means individual carrier decisions can materially swing managed premium and revenue. This concentration raises idiosyncratic risk, making multi‑month forecasts sensitive to partner timing and increasing earnings variability until the partner base broadens.
Third‑party Revenue Nascent; Ramp Timing RiskNon‑HCI third‑party revenue was minimal entering Q4 and management cautions onboarding is lumpy and back‑end loaded. Because third‑party clients are central to scaled managed premium growth, delayed or uneven onboarding could push expected revenue and cash benefits beyond the 2–6 month horizon.
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 $12.91 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 $1.49B.
When is Exzeo Group, Inc.’s upcoming earnings report date?
Exzeo Group, Inc.’s upcoming earnings report date is May 06, 2026 which is in 6 days.
How were Exzeo Group, Inc.’s earnings last quarter?
Exzeo Group, Inc. released its earnings results on Feb 25, 2026. The company reported $0.25 earnings per share for the quarter, beating the consensus estimate of $0.173 by $0.077.
Is Exzeo Group, Inc. overvalued?
According to Wall Street analysts Exzeo Group, Inc.’s price is currently Overvalued.
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 is 0.21.
How many shares outstanding does Exzeo Group, Inc. have?
Exzeo Group, Inc. has 90,913,540 shares outstanding.
What happened to Exzeo Group, Inc.’s price movement after its last earnings report?
Exzeo Group, Inc. reported an EPS of $0.25 in its last earnings report, beating expectations of $0.173. Following the earnings report the stock price went up 4.457%.
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. 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. operates as a subsidiary of HCI Group, Inc.
XZO Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented multiple material operational and financial positives: strong profitability, significant managed premium and ARR expansion, high margins, robust free cash flow with >100% conversion, a clean balance sheet, and early traction on third-party clients and new product (flood) with a major partner (Tokio Marine). Management also raised managed premium guidance for 2026 and reiterated pretax income guidance while investing in sales and emphasizing a strategic edge from automation and proprietary data in an AI-driven industry shift. The main negatives are timing and predictability risks from a still-nascent third-party revenue stream, a lumpy/back-end loaded ramp, and forecast uncertainty due to a small number of carrier partners. Overall, the highlights substantially outweigh the lowlights, reflecting constructive momentum but with near-term timing risk.View all XZO earnings summariesXZO Stock 12 Month Forecast
Average Price Target
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Ownership Overview
3.74% Insiders
1.60% Mutual Funds
0.15% Other Institutional Investors
94.25% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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