Exzeo Group, Inc.

Exzeo Group, Inc.

XZO · NYSE · Financial Services / Insurance - Diversified

16.00USD-0.14 (-0.87%)

Price History

Full chart

Market Stats

Previous Close16.14
Open16.40
Day Range16.00 – 16.48
52-Week Range12.36 – 24.60
Volume103.41K
Market Cap1.31B
P/E (TTM)14.55
Forward P/E0.00
EPS1.00
Dividend Yield0.00%
50-Day Avg16.10
200-Day Avg16.62

About

Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents in the United States. The company offers Exzeo Platform, an Insurance-as-a-Service (IaaS) platform that provides technology-based solutions for operational and administrative activities, such as quoting and underwriting, policy management, claims management, data reporting, and financial reporting; and streamlines and automates interactions between insurance carriers and policyholders. It also provides CasaClue, a data repository; Harmony, a policy administration platform that streamlines the entire policy lifecycle; AtlasViewer, a mapping and data visualization platform that integrates location-based data from multiple sources; and Mercury, a workflow solution designed to ensure uniform routing and policy change tracking. In addition, the company offers ClaimColony, an End-to-end claims management platform; AtlasViewer, a tool to look at claims and manage the claims lifecycle; JustEZ app which helps sync inspections from various carriers, schedule appointments, sync photos to cloud, and write scoping reports; Exahub, a centralized data platform; and ExzeoIQ that provides transparent reporting for customers. 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. is a subsidiary of HCI Group, Inc.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Diversified
  • CEOMr. Pareshbhai Suryakant Patel
  • Employees354
  • Headquarters1000 Century Park Drive, Tampa, FL, United States, 33607, USA
  • Websitehttps://www.exzeo.com

Leadership

  • Mr. Pareshbhai Suryakant PatelCEO & Chairman · b. 1963
  • Mr. Kevin Andrew MitchellPresident & Director · b. 1980
  • Ms. Suela BulkuChief Financial Officer · b. 1981
  • Mr. Shawn McVeighChief Technology Officer
  • Mr. William Harry Broomall C.F.A.Vice President of Investor Relations
  • Mr. Brook Armstrong BakerGeneral Counsel & Corporate Secretary · b. 1987
  • Mr. Vadivel KumarSenior Vice President
  • Ms. Leigh IonataSenior Vice President

Financials

Income Statement

Currency: USD2019-12-312020-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue21.34M51.70M45.63M88.33M133.95M216.98M
Growth (%)-+142.27%-11.74%+93.58%+51.64%+61.99%
Cost of Revenue15.40M49.64M71.92M71.35M81.07M89.37M
Gross Profit5.94M2.06M-26.28M16.98M52.87M127.61M
Gross Margin27.83%3.99%-57.60%19.22%39.47%58.81%
Operating Expense7.67M10.76M11.47M14.43M14.86M21.62M
Operating Income-1.73M-8.69M-37.75M2.55M38.02M105.99M
Operating Margin-8.11%-16.81%-82.74%2.89%28.38%48.85%
EBITDA-1.05M-7.59M-36.06M4.76M40.38M113.23M
EBITDA Margin-4.94%-14.68%-79.04%5.38%30.14%52.18%
Net Income-6.91M-12.42M-54.69M20.77M44.10M82.75M
Net Income Margin-32.39%-24.03%-119.86%23.52%32.93%38.14%
R&D-----8.83M
R&D as % of Total Revenue-----4.07%
Interest Expense-----0
Interest Expense % of Total Revenue-----0.00%

Balance Sheet

Currency: USD2019-12-312020-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets96.23M160.76M-625.57M89.64M347.73M
Total Liabilities79.27M154.21M-554.71M74.13M93.58M
Total Equity16.96M6.55M-70.86M15.51M254.16M
Cash51.86M101.72M-15.05M54.50M305.37M
Total Debt738.00K22.32M-65.93M8.35M7.25M
Net Debt-51.12M-79.41M-50.87M-46.15M-298.13M

Cash Flow

Currency: USD2019-12-312020-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow33.09M30.38M-16.76M59.37M191.91M100.30M
Investing Cash Flow-735.00K-2.51M-241.82M-16.60M-192.52M-2.84M
Financing Cash Flow4.99M21.99M30.06M-7.12M-6.40M153.65M
Capital Expenditure2.45M1.49M3.45M3.25M3.33M2.84M
Free Cash Flow30.64M28.90M-20.22M56.12M188.58M97.45M
Dividends Paid--5.51M6.76M2.92M0
FCF to OCF92.58%95.11%120.60%94.53%98.26%97.16%
Dividend Paid to FCF---27.24%12.05%1.55%0.00%

Earnings

Report DateSep 9, 2025Dec 10, 2025Feb 25, 2026May 14, 2026Aug 6, 2026
EPS Estimate0.000.250.200.210.24
EPS Actual0.480.250.250.220.26
Surprise-0.00%25.00%6.90%8.33%
Timing-After-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.31B
Enterprise Value1.36B
Trailing P/E14.55
Forward P/E0.00
Price / Sales5.69
Price / Book5.17
EPS1.00
Book Value3.02
Revenue (TTM)230.42M
Gross Profit (TTM)230.42M
EBITDA119.18M
Profit Margin37.68%
Operating Margin51.73%
Return on Equity50.37%
Return on Assets26.58%
Shares Outstanding90.09M
Shares Float11.55M
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
7.22%
Insiders
87.18%
Retail / Other
5.60%

Top Institutional Holders

  • HHG PLC
    703.30K0.78%
  • The Goldman Sachs Group Inc
    604.27K0.67%
  • American Century Companies Inc
    602.83K0.67%
  • Jennison Associates LLC
    568.68K0.63%
  • Whetstone Capital Advisors, LLC
    541.54K0.60%
  • Driehaus Capital Management LLC
    529.75K0.59%
  • BlackRock Inc
    274.71K0.30%
  • Essex Investment Management Company, LLC
    268.70K0.30%
  • Jane Street Group LLC
    247.80K0.28%
  • FJ Capital Management LLC
    223.79K0.25%
  • Holocene Advisors, LP
    214.43K0.24%
  • Portolan Capital Management, LLC
    209.88K0.23%
  • Ophir Asset Management Pty Ltd
    192.28K0.21%
  • Marshall Wace Asset Management Ltd
    188.45K0.21%
  • Citadel Advisors Llc
    172.70K0.19%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    758.66K0.84%
  • Janus Henderson Venture D
    601.46K0.67%
  • PGIM Jennison Small Company A
    235.63K0.26%
  • iShares Russell 2000 ETF
    211.16K0.23%
  • Goldman Sachs Small Cap Value A
    203.95K0.23%