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XZO Stock Chart & Stats
$15.90
$0.59(3.85%)
At close: 4:00 PM EDT
$15.90
$0.59(3.85%)
Day’s Range― - ―
52-Week Range$12.36 - $24.60
Previous Close$15.58
Volume86.00K
Average Volume (3M)197.19K
Market Cap
$1.57B
Enterprise Value$1.36K
Total Cash (Recent Filing)$136.73M
Total Debt (Recent Filing)$6.62M
Price to Earnings (P/E)18.4
Beta2.05
Next Earnings
Dec 16, 2026EPS Estimate
0.25Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.93
Shares Outstanding90,085,915
10 Day Avg. Volume135,524
30 Day Avg. Volume197,195
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)8.67
Price to Sales (P/S)10.16
P/FCF Ratio22.62
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)1.01
Revenue Forecast (FY)$232.97M
Bulls Say, Bears Say
Bulls Say
Revenue And Margin ExpansionThe sharp 2025 revenue acceleration and materially higher gross and net margins indicate stronger operating leverage and improved profitability. Although historical volatility warrants monitoring, the turnaround provides a stronger earnings base for the next several quarters.
Strong Cash Generation And Balance SheetFree cash flow exceeding net income supports earnings quality and gives Exzeo flexibility to fund technology, hiring, and shareholder returns. Debt-free status and $330 million of investment assets also reduce financial risk during insurance-cycle volatility.
Platform Scale And Product DiversificationGrowing managed premium and new carrier relationships broaden the platform beyond historical sponsorship concentration. WinForm Pro adds an AI-enabled product pathway, demonstrating rapid development capability and potential for additional recurring revenue over time.
Bears Say
Earnings And Data VolatilityLarge historical swings in growth, margins, and reported profitability make it harder to establish a dependable earnings trend. Inconsistent line items also reduce confidence in cross-period analysis and increase the need for careful monitoring of underlying performance.
Florida Concentration And SeasonalityGeographic concentration leaves results exposed to Florida-specific weather, regulatory, and underwriting conditions. Seasonal renewals and back-end weighted growth can cause recurring variability in premium, revenue recognition, and margins even as the platform expands.
Delayed Premium-to-Revenue ConversionThe platform’s revenue model converts newly added managed premium into reported revenue gradually, limiting the near-term financial benefit of carrier additions. This creates a persistent lag between operating scale and revenue growth, complicating forecasting and performance assessment.
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 $12.36 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 $1.57B.
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 112 days.
How were Exzeo Group, Inc.’s earnings last quarter?
Exzeo Group, Inc. released its earnings results on Aug 06, 2026. The company reported $0.26 earnings per share for the quarter, beating the consensus estimate of $0.24 by $0.02.
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 0.25.
How many shares outstanding does Exzeo Group, Inc. have?
Exzeo Group, Inc. has 90,085,915 shares outstanding.
What happened to Exzeo Group, Inc.’s price movement after its last earnings report?
Exzeo Group, Inc. reported an EPS of $0.26 in its last earnings report, beating expectations of $0.24. Following the earnings report the stock price went down -4.85%.
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. offers complete technology and operational services tailored for insurance carriers and agents. The core of their offering is an Insurance-as-a-Service (IaaS) platform designed to streamline essential administrative and operational tasks. These capabilities encompass everything from accurate quoting and underwriting to efficient policy lifecycle management, rapid claims processing, and comprehensive data and financial reporting. The company specifically focuses on serving the property and casualty (P&C) insurance market. Founded in 2012 and based in Tampa, Florida, Exzeo Group, Inc. was formerly recognized as TypTap Insurance Group, Inc. It operates under the umbrella of its parent company, HCI Group, Inc.
XZO Earnings Call
Q2 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
3.82% Insiders
1.77% Mutual Funds
2.44% Other Institutional Investors
90.52% Public Companies and
Individual Investors