Exzeo Group, Inc. (XZO)Financial Services | Insurance - Diversified | Tampa, United States | NYSE
16.89 USD
+0.34
(2.054%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 16.89 |
Hot Take ↕ | Aug. 22, 2026, 2:48 a.m. EDT
The immediate outlook is neutral due to a lack of clear directional momentum; the stock trades near its 50-day average but remains below the 200-day line, offering no distinct edge for a quick trade. While the long-term fundamentals are surprisingly robust—featuring exceptional profitability with a 50% return on equity and a pristine balance sheet with negligible debt—the absence of any multi-year price history prevents a definitive bullish verdict on the investment thesis. The market has not yet validated the business quality through a sustained price appreciation trend, leaving the long-term rating neutral despite the superior unit economics. Finally, there is no dividend income to consider, as the company has not issued any payouts in the last five years, which is typical for a high-growth, asset-light insurance technology firm reinvesting capital for expansion. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.109401 |
| AutoARIMA | 0.110922 |
| AutoETS | 0.110923 |
| AutoTheta | 0.133779 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 41% |
| H-stat | 0.67 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.231 |
| Excess Kurtosis | -1.22 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 2.298 |
| Revenue per Share | 2.712 |
| Market Cap | 1,521,551,104 |
| Trailing P/E | 16.40 |
| Forward P/E | 14.69 |
| Profit Margins | 37.67% |
| Website | https://www.exzeo.com |
| Attribute | Value |
|---|---|
| 52 Week Change | -0.21227986 |
| Address1 | 1,000 Century Park Drive |
| All Time High | 24.6 |
| All Time Low | 12.36 |
| Ask | 27.2 |
| Ask Size | 200 |
| Audit Risk | 7 |
| Average Daily Volume10 Day | 192,080 |
| Average Daily Volume3 Month | 200,004 |
| Average Volume | 200,004 |
| Average Volume10Days | 192,080 |
| Bid | 16.87 |
| Bid Size | 200 |
| Board Risk | 8 |
| Book Value | 3.024 |
| City | Tampa |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 7 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 16.89 |
| Current Ratio | 1.85 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 17.145 |
| Day Low | 16.41 |
| Debt To Equity | 2.298 |
| Display Name | Exzeo |
| Earnings Call Timestamp End | 1,786,052,700 |
| Earnings Call Timestamp Start | 1,786,052,700 |
| Earnings Growth | -0.014 |
| Earnings Quarterly Growth | 0.074 |
| Earnings Timestamp | 1,786,046,400 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | 119,181,000 |
| Ebitda Margins | 0.51724 |
| Enterprise To Ebitda | 11.418 |
| Enterprise To Revenue | 5.906 |
| Enterprise Value | 1,360,812,928 |
| Eps Current Year | 1.0 |
| Eps Forward | 1.15 |
| Eps Trailing Twelve Months | 1.03 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 16.119 |
| Fifty Day Average Change | 0.7709999 |
| Fifty Day Average Change Percent | 0.047831748 |
| Fifty Two Week Change Percent | -21.227985 |
| Fifty Two Week High | 24.6 |
| Fifty Two Week High Change | -7.710001 |
| Fifty Two Week High Change Percent | -0.31341466 |
| Fifty Two Week Low | 12.36 |
| Fifty Two Week Low Change | 4.5299997 |
| Fifty Two Week Low Change Percent | 0.36650485 |
| Fifty Two Week Range | 12.36 - 24.6 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,762,353,000,000 |
| Float Shares | 11,548,114 |
| Forward Eps | 1.15 |
| Forward P E | 14.686956 |
| Free Cashflow | 68,553,504 |
| Full Exchange Name | NYSE |
| Full Time Employees | 354 |
| Fullday Change | 0.34 |
| Fullday Change Percent | 2.05438 |
| Fullday Price | 16.89 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 1.0 |
| Gross Profits | 230,419,008 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.8718 |
| Held Percent Institutions | 0.07191 |
| Implied Shares Outstanding | 90,085,918 |
| Industry | Insurance - Diversified |
| Industry Disp | Insurance - Diversified |
| Industry Key | insurance-diversified |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Exzeo Group, Inc. |
| Market | us_market |
| Market Cap | 1,521,551,104 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_695941934 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 83,752,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 1,490,921,942 |
| Number Of Analyst Opinions | 2 |
| Open | 16.43 |
| Operating Cashflow | 83,659,000 |
| Operating Margins | 0.5173 |
| Overall Risk | 8 |
| Payout Ratio | 0.0 |
| Phone | 813 776 1000 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 16.89 |
| Post Market Time | 1,787,959,806 |
| Previous Close | 16.55 |
| Price Eps Current Year | 16.89 |
| Price Hint | 2 |
| Price To Book | 5.5853176 |
| Price To Sales Trailing12 Months | 6.60341 |
| Profit Margins | 0.37675 |
| Quick Ratio | 1.732 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.34 |
| Regular Market Change Percent | 2.05438 |
| Regular Market Day High | 17.145 |
| Regular Market Day Low | 16.41 |
| Regular Market Day Range | 16.41 - 17.145 |
| Regular Market Open | 16.43 |
| Regular Market Previous Close | 16.55 |
| Regular Market Price | 16.89 |
| Regular Market Time | 1,787,947,202 |
| Regular Market Volume | 165,287 |
| Return On Assets | 0.26578 |
| Return On Equity | 0.50365 |
| Revenue Growth | 0.069 |
| Revenue Per Share | 2.712 |
| Sand P52 Week Change | 0.20504117 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 9 |
| Shares Outstanding | 90,085,918 |
| Shares Percent Shares Out | 0.0094 |
| Shares Short | 850,962 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 641,656 |
| Short Name | Exzeo Group, Inc. |
| Short Percent Of Float | 0.0739 |
| Short Ratio | 5.55 |
| Source Interval | 15 |
| State | FL |
| Symbol | XZO |
| Target High Price | 27.0 |
| Target Low Price | 25.0 |
| Target Mean Price | 26.0 |
| Target Median Price | 26.0 |
| Total Cash | 136,731,008 |
| Total Cash Per Share | 1.518 |
| Total Debt | 6,622,000 |
| Total Revenue | 230,419,008 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 1.03 |
| Trailing P E | 16.398058 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 16.75505 |
| Two Hundred Day Average Change | 0.13494873 |
| Two Hundred Day Average Change Percent | 0.008054212 |
| Type Disp | Equity |
| Volume | 165,287 |
| Website | https://www.exzeo.com |
| Zip | 33,607 |