Exzeo Group, Inc. (XZO) AI Stock Analysis

Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents across the United States. Its primary offering is the Exzeo Platform, an Insurance-as-a-Service system that manages quoting, underwriting, policy management, claims, and reporting. The company also offers CasaClue for data repository management, Harmony for policy administration, AtlasViewer for mapping and data visualization, and Mercury for workflow routing. Additional tools include ClaimColony for claims management, the JustEZ inspection app, Exahub for centralized data, and ExzeoIQ for reporting. Founded in 2012 and based in Tampa, Florida, Exzeo is a subsidiary of HCI Group, Inc. and was formerly known as TypTap Insurance Group, Inc.

Exzeo experienced significant growth after FY2022, when it generated $45.6M in revenue and a net loss of $54.7M. By FY2023, revenue rose 93.6% to $88.3M with net income turning positive at $20.8M. Revenue further increased 51.6% to $133.9M in FY2024 and 62.0% to $217.0M in FY2025, reaching net income of $82.7M and an operating margin of 48.8%. Over the five years from FY2019 to FY2025, revenue achieved a compound annual growth rate of 59.0%. For the trailing twelve months, revenue reached $230.4M with an operating margin of 51.7%. For the quarter ended June 30, 2026, revenue increased 6.9% year-over-year, while quarterly earnings declined 1.4%.

As of June 30, 2026, Exzeo held $136.7M in cash and short-term investments against $6.6M in total debt, resulting in net cash of $130.1M. Shareholders' equity stood at $288.2M, with total assets of $385.8M, a current ratio of 1.85, and a debt-to-equity ratio of 0.02. In FY2025, the company produced $100.3M in operating cash flow and $97.5M in free cash flow. Capital allocation in FY2025 included $2.8M for capital expenditures and $1.5M directed toward share buybacks.

Exzeo trades at a trailing price-to-earnings ratio of 17.4x and an enterprise value to EBITDA ratio of 11.8x. In comparison, the median of its US-listed Financial Services peers is 12.1x for trailing P/E and 11.7x for EV to EBITDA. Its price-to-sales ratio of 6.5x is above the peer median of 3.2x. The stock closed at $16.69 on October 16, 2026, down 31.2% year-to-date and 2.7% above its 200-day average, while the S&P 500 returned 16.8% over the past year.

Wall Street coverage includes 2 Strong Buy ratings and 1 Buy rating, with no Hold or Sell recommendations. The mean price target is $26.00, representing a 55.8% upside compared to the last close of $16.69. For the fiscal year ending December 31, 2026, analysts estimate revenue of $225.0M and EPS of $1.00, implying 1.0% EPS growth. For the following fiscal year, 1 analyst projects revenue of $261.8M and EPS of $1.15. The company beat EPS estimates in 3 of the last 4 quarters, and its next earnings date is December 9, 2026.

This page is an AI-written research summary of Exzeo Group, Inc. (XZO). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: XZO income statement, XZO balance sheet, XZO key metrics, XZO analyst forecast, XZO chart. See the XZO stock overview for the latest quote and news.