Exzeo Group, Inc. (XZO) AI Stock Analysis

• Market Cap: $2.05B
• Dividend Yield: N/A
• Average Volume (3M): 578.09K
• Price to Earnings (P/E): ―
• Beta (1Y): 6.08
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Diversified
• EPS (TTM): N/A
• Shares Outstanding: 90,771,286
• 10 Day Avg. Volume: 244,003
• 30 Day Avg. Volume: 578,087
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $26.00
• Price Target Upside: 19.98% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $25.00 ▲(15.37% Upside)

The score is driven primarily by strong financial performance (sharply improved margins and very strong cash generation) and reduced leverage. Technicals are supportive but tempered by elevated volatility (high beta) and an extended stochastic reading. Valuation and earnings-call factors are not assessable from the provided data, while corporate events add a small positive tilt.

Exzeo Group, Inc. Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Exzeo Group, Inc. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2023	Dec 2020	Dec 2019
Income Statement
Total Revenue	133.95M	88.33M	51.70M	21.34M
Gross Profit	52.87M	16.98M	2.06M	5.94M
EBITDA	40.38M	4.76M	-7.59M	-1.05M
Net Income	44.10M	20.77M	-12.42M	-6.91M
Balance Sheet
Total Assets	89.64M	625.57M	160.76M	96.23M
Cash, Cash Equivalents and Short-Term Investments	54.50M	15.05M	103.87M	52.35M
Total Debt	8.35M	65.93M	22.32M	738.00K
Total Liabilities	74.13M	554.71M	154.21M	79.27M
Stockholders Equity	15.51M	70.86M	6.55M	16.96M
Cash Flow
Free Cash Flow	188.58M	56.12M	28.90M	30.64M
Operating Cash Flow	191.91M	59.37M	30.38M	33.09M
Investing Cash Flow	-192.52M	-16.60M	-2.51M	-735.00K
Financing Cash Flow	-6.40M	-7.12M	21.99M	4.99M

Exzeo Group, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACGL	79 Outperform	$33.81B	8.49	17.81%	―	16.68%	-28.54%
IGIC	79 Outperform	$1.04B	8.50	18.68%	4.00%	0.76%	―
ORI	79 Outperform	$10.52B	12.59	12.96%	6.98%	7.08%	-4.36%
XZO	74 Outperform	$2.05B	―	―	―	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
GSHD	59 Neutral	$2.74B	62.91	―	―	24.81%	55.93%
FIHL	57 Neutral	$1.99B	-360.97	-0.57%	2.55%	11.71%	-101.08%

Exzeo Group, Inc. Corporate Events

Exzeo CEO Adopts Rule 10b5-1 Stock Purchase Plan

On December 18, 2025, Exzeo Group, Inc. Chief Executive Officer Paresh Patel adopted a Rule 10b5-1 trading plan to purchase up to 100,000 shares or $2 million of the company’s common stock, with acquisitions to occur in multiple transactions if the share price remains below preset thresholds and the plan set to expire by December 18, 2026 unless completed or terminated earlier. The move signals planned insider share accumulation under a structured and compliant framework, with any trades under the plan to be reported through future regulatory filings, providing investors with ongoing transparency into the CEO’s buying activity and potential confidence in the company’s valuation.

The most recent analyst rating on (XZO) stock is a Buy with a $25.00 price target. To see the full list of analyst forecasts on Exzeo Group, Inc. stock, see the XZO Stock Forecast page.

HCI Group Files Quarterly Report on Exzeo

On November 7, 2025, HCI Group, Inc., the controlling shareholder of Exzeo Group, Inc., filed its quarterly report with the SEC, which included select financial information of Exzeo for the periods ending September 30, 2025, and 2024. Exzeo has not yet released its own financial statements for these periods but plans to do so within 45 days following its registration statement’s effective date. The financial information provided was prepared in an insurance company presentation format for HCI’s reporting purposes and may differ from Exzeo’s standalone results.

Exzeo Group Completes Public Offering and NYSE Listing

On November 4, 2025, Exzeo Group, Inc. entered into an Underwriting Agreement with Truist Securities, Inc., leading to the issuance of 8,000,000 shares of common stock at $21.00 per share in a public offering. The offering closed on November 6, 2025, generating approximately $168 million in gross proceeds. The company’s common stock was approved for listing on the New York Stock Exchange under the symbol ‘XZO’ and began trading on November 5, 2025. In connection with the public offering, Exzeo also amended its Articles of Incorporation and Bylaws, which became effective with the offering’s closure, reflecting strategic steps to strengthen its market position and governance structure.