XZO Stock Analysis: Exzeo | NYSE
Insurance - Diversified | NYSE, USA | Market Cap: 1.699m USD | 12M Return: -11.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.35M
Rev. Trend: 99.9%
Warnings
Tailwinds
No distinct edge detected
Seasonality 0.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Exzeo Group, Inc. (NYSE: XZO) is a Tampa, Florida-based company that provides turnkey insurance technology and operations solutions to insurance carriers and agents. Its Insurance-as-a-Service (IaaS) platform handles core back-office functions including quoting and underwriting, policy management, claims processing management, data reporting, and financial reporting. The company serves the property and casualty insurance industry and operates as a subsidiary of HCI Group, Inc.
Founded in 2012 and formerly known as TypTap Insurance Group, Inc., Exzeo sits within the InsurTech segment, which delivers cloud-based platforms and outsourced services to digitize workflows traditionally handled by insurers internal systems. The IaaS model allows carriers to access core insurance functions on a subscription or outsourced basis rather than maintaining proprietary technology infrastructure.
- TypTap P&C premium growth drives segment revenue expansion
- Catastrophe losses and reinsurance costs pressure underwriting margins
- Parent HCI Group capital allocation supports technology platform investment
| Net Income: 85.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.27 > 0.02 and ΔFCF/TA 7.61 > 1.0 |
| NWC/Revenue: 73.76% < 20% (prev 28.11%; Δ 45.65% < -1%) |
| CFO/TA 0.28 > 3% & CFO 106.0m > Net Income 85.2m |
| Net Debt (-224.5m) to EBITDA (117.0m): -1.92 < 3 |
| Current Ratio: 2.65 > 1.5 & < 3 |
| Outstanding Shares: last quarter (90.9m) vs 12m ago 0.15% < -2% |
| Gross Margin: 60.11% > 18% (prev 35.62%; Δ 24.49% > 0.5%) |
| Asset Turnover: 81.43% > 50% (prev 98.51%; Δ -17.08% > 0%) |
| Interest Coverage Ratio: 286.6 > 6 (EBIT TTM 114.1m / Interest Expense TTM 398k) |
| A: 0.43 (Total Current Assets 260.9m - Total Current Liabilities 98.6m) / Total Assets 379.8m |
| B: 0.12 (Retained Earnings 45.8m / Total Assets 379.8m) |
| C: 0.42 (EBIT TTM 114.1m / Avg Total Assets 270.3m) |
| D: 2.62 (Book Value of Equity 274.9m / Total Liabilities 104.8m) |
| Altman-Z'' = 8.79 = AAA |
| DSRI: 2.61 (Receivables 22.4m/6.17m, Revenue 220.1m/158.4m) |
| GMI: 0.59 (GM 35.62% / 60.11%) |
| AQI: 11.90 (AQ_t 0.27 / AQ_t-1 0.02) |
| SGI: 1.39 (Revenue 220.1m / 158.4m) |
| TATA: -0.05 (NI 85.2m - CFO 106.0m) / TA 379.8m) |
| Beneish M = 4.67 (Cap -4..+1) = D |
As of July 11, 2026, the stock is trading at USD 16.91 with a total of 242,186 shares traded. Over the past week, the price has changed by -6.00%, over one month by +29.08%, over three months by +8.68% and over the past year by -11.23%.
Current recommended Stop Loss: 15.70 (which is 7.2% or 1.4 ATR below the current price).
Exzeo has no consensus analysts rating.
P/E Trailing = 19.883
P/S = 7.5015
P/B = 5.949
Revenue TTM = 220.1m USD
EBIT TTM = 114.1m USD
EBITDA TTM = 117.0m USD
Long Term Debt = 4.48m USD (estimated: total debt 6.93m - short term 2.45m)
Short Term Debt = 2.45m USD (from shortTermDebt, last quarter)
Debt = 6.93m USD (from shortLongTermDebtTotal, last quarter) (leases 6.93m already included)
Net Debt = -224.5m USD (calculated: Debt 6.93m - CCE 231.4m)
Enterprise Value = 1.47b USD (1.70b + Debt 6.93m - CCE 231.4m)
Interest Coverage Ratio = 286.6 (Ebit TTM 114.1m / Interest Expense TTM 398k)
EV/FCF = 14.24x (Enterprise Value 1.47b / FCF TTM 103.6m)
FCF Yield = 7.02% (FCF TTM 103.6m / Enterprise Value 1.47b)
FCF Margin = 47.07% (FCF TTM 103.6m / Revenue TTM 220.1m)
Net Margin = 38.71% (Net Income TTM 85.2m / Revenue TTM 220.1m)
Gross Margin = 60.11% ((Revenue TTM 220.1m - Cost of Revenue TTM 87.8m) / Revenue TTM)
Gross Margin QoQ = 57.41% (prev 64.03%)
Tobins Q-Ratio = 3.88 (Enterprise Value 1.47b / Total Assets 379.8m)
Interest Expense / Debt = 5.74% (Interest Expense 398k / Debt 6.93m)
Taxrate = 25.05% (28.5m / 113.7m)
NOPAT = 85.5m (EBIT 114.1m * (1 - 25.05%))
Current Ratio = 2.65 (Total Current Assets 260.9m / Total Current Liabilities 98.6m)
Debt / Equity = 0.03 (Debt 6.93m / totalStockholderEquity, last quarter 274.9m)
Debt / EBITDA = -1.92 (Net Debt -224.5m / EBITDA 117.0m)
Debt / FCF = -2.17 (Net Debt -224.5m / FCF TTM 103.6m)
Total Stockholder Equity = 166.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 31.52% (Net Income 85.2m / Total Assets 379.8m)
RoE = 51.32% (Net Income TTM 85.2m / Total Stockholder Equity 166.0m)
RoCE = 66.91% (EBIT 114.1m / Capital Employed (Equity 166.0m + L.T.Debt 4.48m))
RoIC = 31.36% (NOPAT 85.5m / Invested Capital 272.6m)
WACC = 14.41% (E(1.70b)/V(1.71b) * Re(14.45%) + D(6.93m)/V(1.71b) * Rd(5.74%) * (1-Tc(0.25)))
Discount Rate = 14.45% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 35.99 | Cagr: 0.07%
[DCF] Terminal Value 60.90% ; FCFF base≈74.8m ; Y1≈85.8m ; Y5≈126.2m
[DCF] Fair Price = 12.48 (EV 909.9m - Net Debt -224.5m = Equity 1.13b / Shares 90.9m; r=14.41% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 99.91 | Revenue CAGR: 56.73% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.24 | Chg30d=-7.69% | Revisions=+25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.26 | Chg30d=+0.00% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.00 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+1.0% | GrowthRev=+8.6%
EPS next Year (2027-12-31): EPS=1.15 | Chg30d=+0.00% | Revisions=+25% | GrowthEPS=+15.0% | GrowthRev=+16.7%