XZO

Company Overview — What Does Exzeo Group, Inc. Do?

Exzeo provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Exzeo’s Insurance-as-a-Service (IaaS) platform, which we refer to as the “Exzeo Platform,” currently includes nine highly configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, Exzeo provides technology-based solutions and services for all operational and administrative activities and functions needed by P&C insurance carriers and their agents, including quoting and underwriting, policy management, claims processing management, data reporting, and financial reporting. As a result, the Exzeo Platform streamlines and automates the interaction between insurance carriers and their policyholders. Exzeo was established in 2012 as the technology and innovation division of HCI Group, Inc., or HCI, a leading underwriter of homeowners insurance in Florida and 12 other states. Exzeo’s initial customers are insurance carriers or their managing general agent that are owned or managed by HCI and its subsidiaries, and Exzeo has derived substantially all of its revenues to date from such customers. In addition to working with existing customers to expand their business, Exzeo intends to develop new customer partnerships with additional carriers and their agents by introducing them to the advantage of our technology. Exzeo was founded with a clear mission: to develop a platform that enhances underwriting margins, reduces operating expenses, enables rapid expansion across both geographic markets and product lines, and delivers a streamlined, user-friendly experience for both carriers and policyholders. Exzeo’s data-centric technology and mission inspired its name, which is derived from the combination of three words that describe the “Big Data” it collects and utilizes in its products and services: Exabyte (a million trillion – 1018– bytes), Zettabyte (1021 bytes) and Yottabyte (1024 bytes). Exzeo generates revenue from underwriting and management services, claim services, and other technology services that are provided through and powered by the Exzeo Platform. Exzeo provides its solutions and technologies to customers under contracts with a variable fee structure that is typically based on a percentage of premium managed through the Exzeo Platform. Exzeo believes that this fee structure is beneficial to customers because it is designed to allow customers to scale while optimizing for operational efficiencies and without significant up-front technology expenditures. We currently hold insurance agency or managing general agent licenses, as appropriate, in 29 states. Through the Exzeo Platform, we currently provide services in the following 13 states in which our customers have operations: Florida, Connecticut, Georgia, Massachusetts, Montana, North Carolina, New Jersey, New Mexico, Nevada, Rhode Island, South Carolina, South Dakota, and Utah. We intend to expand our operations (and obtain additional licenses as needed) in the 21 remaining states based upon growth plans of our existing customers or the existing geographies and growth plans of new customers with which we engage. Exzeo Group, Inc. is the registrant and the issuer of the common stock being sold in this offering. Our corporate headquarters is located in Tampa, FL. Exzeo Group, Inc. (XZO) is classified as a small-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Paresh Patel and employs approximately 353 people. With a market capitalization of $1.3B, XZO is one of the notable companies in the Financials sector.

Exzeo Group, Inc. (XZO) Stock Rating — Hold (April 2026)

As of April 2026, Exzeo Group, Inc. receives a Hold rating with a composite score of 52.9/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.XZO ranks #807 out of 4,446 stocks in our coverage universe. Within the Financials sector, Exzeo Group, Inc. ranks #242 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

XZO Stock Price and 52-Week Range

Exzeo Group, Inc. (XZO) currently trades at $14.75. The stock lost $0.81 (5.2%) in the most recent trading session. The 52-week high for XZO is $24.60, which means the stock is currently trading -40.0% from its annual peak. The 52-week low is $12.91, putting the stock 14.2% above its annual trough. Recent trading volume was 111K shares, suggesting relatively thin trading activity.

Is XZO Overvalued or Undervalued? — Valuation Analysis

Exzeo Group, Inc. (XZO) carries a value factor score of 68/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 15.02x, compared to the Financials sector average of 14.88x — a premium of 1%. The price-to-book ratio stands at 5.66x, versus the sector average of 1.22x. The price-to-sales ratio is 1.66x, compared to 0.90x for the average Financials stock. On an enterprise value basis, XZO trades at 3.38x EV/EBITDA, versus 3.26x for the sector.

Overall, XZO's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Exzeo Group, Inc. Profitability — ROE, Margins, and Quality Score

Exzeo Group, Inc. (XZO) earns a quality factor score of 91/100, reflecting elite profitability and capital efficiency that places it among the highest-quality businesses in the market. The return on equity (ROE) is 130.2%, compared to the Financials sector average of 8.5%, which demonstrates strong shareholder value creation. Return on assets (ROA) comes in at 95.2% versus the sector average of 1.2%.

On a margin basis, Exzeo Group, Inc. reports gross margins of 60.4%. The operating margin is 48.9% (sector: 21.8%). Net profit margin stands at 38.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 89.5% on a trailing basis, compared to 9.4% for the sector. These metrics collectively paint a picture of a highly profitable business with durable competitive advantages.

XZO Debt, Balance Sheet, and Financial Health

Exzeo Group, Inc. has a debt-to-equity ratio of 37.0%, compared to the Financials sector average of 121.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 3.86x, indicating strong short-term liquidity. Total debt on the balance sheet is $0. Cash and equivalents stand at $141M.

XZO has a beta of 2.50, meaning it is more volatile than the broader market — a $10,000 investment in XZO would be expected to move 149.7% more than the S&P 500 on any given day. The stability factor score for Exzeo Group, Inc. is 35/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Exzeo Group, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Exzeo Group, Inc. reported revenue of $217M and earnings per share (EPS) of $0.99. Net income for the quarter was $83M. Gross margin was 60.4%. Operating income came in at $106M.

In FY 2025, Exzeo Group, Inc. reported revenue of $217M and earnings per share (EPS) of $0.99. Net income for the quarter was $83M. Gross margin was 60.4%. Operating income came in at $106M.

In Q3 2025, Exzeo Group, Inc. reported revenue of $55M and earnings per share (EPS) of $0.25. Net income for the quarter was $21M. Gross margin was 61.2%. Operating income came in at $27M.

XZO Dividend Yield and Income Analysis

Exzeo Group, Inc. (XZO) does not currently pay a dividend. This is common among smaller companies in the Insurance industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

XZO Momentum and Technical Analysis Profile

Exzeo Group, Inc. (XZO) has a momentum factor score of 23/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 25/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 37/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

XZO vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, Exzeo Group, Inc. (XZO) ranks #242 out of 891 stocks based on the Blank Capital composite score. This places XZO in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing XZO against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full XZO vs S&P 500 (SPY) comparison to assess how Exzeo Group, Inc. stacks up against the broader market across all factor dimensions.

XZO Next Earnings Date

No upcoming earnings date has been announced for Exzeo Group, Inc. (XZO) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy XZO? — Investment Thesis Summary

Exzeo Group, Inc. presents a balanced picture with arguments on both sides. The quality score of 91/100 indicates above-average profitability and business fundamentals. The value score of 68/100 suggests attractive pricing relative to fundamentals. Momentum is weak at 23/100, a headwind for near-term performance. High volatility (stability score 35/100) increases portfolio risk.

In summary, Exzeo Group, Inc. (XZO) earns a Hold rating with a composite score of 52.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on XZO stock.

Related Resources for XZO Investors

Explore more research and tools: XZO vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare XZO head-to-head with peers: XZO vs WTM, XZO vs OPY, XZO vs ACT.