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
$1.25B
Enterprise Value$1.02B
Total Cash (Recent Filing)$231.38M
Total Debt (Recent Filing)$6.93M
Price to Earnings (P/E)16.3
Beta3.07
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 Ratio0.20
Price to Book (P/B)8.67
Price to Sales (P/S)10.16
P/FCF Ratio22.62
Enterprise Value/Market Cap0.82
Enterprise Value/Revenue6.22
Enterprise Value/Gross Profit10.33
Enterprise Value/Ebitda11.73
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.01
Revenue Forecast (FY)$235.68M
Bulls Say, Bears Say
Bulls Say
Free Cash Flow ConversionVery strong FCF conversion (≈123%) indicates high earnings quality and persistent cash generation that can fund growth, product investment, and shareholder returns without relying on external financing. Durable cash conversion supports resilience through underwriting cycles and funds scaling initiatives.
High Profitability & Revenue AccelerationMaterial margin expansion and rapid revenue acceleration reflect strong operating leverage and favorable unit economics in the platform. Elevated adjusted EBITDA (≈49% reported in Q1) suggests the business can sustain high profitability as managed premium scales, underpinning long‑term cash flow generation.
Balance Sheet Strength & LiquidityVery low leverage and sizeable investment assets provide financial flexibility to invest in product development and carrier onboarding, and to absorb underwriting volatility. Strong equity expansion improves solvency metrics and reduces refinancing and interest‑rate risk over the medium term.
Bears Say
Revenue Recognition TimingA structural recognition model that phases premium revenue means premium growth does not immediately convert to top‑line or margins. This creates persistent lags between business development and reported revenue, complicating short‑term visibility and requiring sustained premium gains to drive reported growth.
Geographic Concentration / SeasonalityConcentration in Florida creates structural exposure to regional underwriting cycles and hurricane season, producing recurring renewal and margin volatility. Such geographic concentration increases underwriting and payout risk and requires diversification or reinsurance to reduce long‑term earnings variability.
Historical Volatility & Reporting InconsistenciesMaterial swings in historical metrics and inconsistent reported figures raise persistent forecasting and model‑risk concerns. Ongoing data clarity issues can undermine credibility with investors and impair long‑term planning, potentially increasing cost of capital and complicating performance benchmarking.
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 $1.25B.
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 209 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 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 90,918,430 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. 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
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
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Ownership Overview
3.77% Insiders
1.60% Mutual Funds
4.12% Other Institutional Investors
90.17% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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