Exzeo Group, Inc. (XZO)
NYSE:XZO
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
$1.30B
Enterprise Value$1.00B
Total Cash (Recent Filing)$305.37M
Total Debt (Recent Filing)$7.25M
Price to Earnings (P/E)26.6
Beta4.03
Next Earnings
Dec 16, 2026EPS EstimateN/A
Next 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 Cap0.77
Enterprise Value/Revenue9.24
Enterprise Value/Gross Profit14.60
Enterprise Value/Ebitda17.39
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
Free Cash Flow StrengthSustained high free cash flow and >100% conversion indicate high earnings quality and internal funding capacity. This durable cash generation supports reinvestment in sales and product, funds growth initiatives without reliance on debt, and provides a cushion through insurance cycle swings.
High And Improving MarginsElevated and expanding margins reflect operating leverage from an automated platform and pricing power. Persistently high margins strengthen scalability: incremental premium and ARR growth can flow to the bottom line, making profitability durable as revenue scales over the next 2–6 months.
Clean Balance SheetA near-zero debt position and a materially larger equity base provide financial flexibility to invest in growth, absorb underwriting variability, and pursue strategic partnerships. This balance-sheet strength lowers insolvency risk and supports multi-quarter execution of product rollouts.
Bears Say
Third-Party Revenue NascentNon-HCI third-party revenues are still embryonic, so the company's diversification away from core captive business remains incomplete. Reliance on onboarding a few third-party clients creates execution risk; failure to scale third-party revenue would limit longer-term structural growth.
Lumpy, Back‑Loaded RampA back‑loaded ramp compresses near-term visibility and can cause uneven revenue and cash flows across quarters. For insurers and platform providers, lumpy onboarding raises the chance that shortfall in timing delays reinvestment plans or compresses margin expansion assumptions in the medium term.
Historical Volatility And Data ConsistencyLarge swings in revenue, margins and capital structure historically suggest the company has undergone significant step changes. Inconsistent reporting lines and volatility increase forecasting risk and reduce confidence that 2025 improvements will persist without disciplined execution and stable underlying economics.
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 $1.30B.
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 252 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 for its next earnings report is not yet available.
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
3.70% Insiders
1.63%
Mutual Funds
5.66% Other Institutional Investors
88.80% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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