MetricSide LogoMetricSide
Learn
  1. Home
  2. Companies
  3. Financial Services
  4. XZO
OverviewMetricsPricesRevenue & ProfitAssets & LiabilitiesCash FlowMarginsPrice RatiosOthers
MetricSide

Standardized stock fundamentals and valuation metrics. Analyze revenue, EBITDA, free cash flow, and more with interactive charts.

Stock Sectors

  • Technology
  • Healthcare
  • Financials
  • Consumer
  • Industrials
  • Energy
  • Real Estate
  • Materials

Legal & Contact

  • Terms of Service
  • Privacy Policy
  • Contact Us
Not Financial Advice: MetricSide is a data aggregation and visualization tool. Nothing on this website constitutes investment advice, a recommendation, or a solicitation to buy or sell any security. All data is provided for informational and educational purposes only. Past performance is not indicative of future results. Always consult a qualified financial professional before making investment decisions. Data accuracy is not guaranteed — verify critical information against official sources.

© 2026 MetricSide. All rights reserved.

Exzeo Group (XZO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Exzeo Group
NYSE•Financial Services•Insurance - Diversified
$16.13-0.42(-0.03%)Pre-market
Market Cap
$1.46B
P/E
11.6x
P/S
4.4x
P/B
5.1x

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.

C

How this company scores

AverageMetricSide Score: 59/100

Strongest: Profitability (22/25); weakest: Growth (8/25).

Profitability22/25
Growth8/25
Balance Sheet & Red Flags15/25
Cash & Earnings Quality14/25
Strengths
Strong marginsHigh ROEInterest easily coveredNet cash position

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.6x5y range 11.6x – 11.6x
P/E 11.6x
P/S · 4.4x5y range 4.4x – 4.4x
P/S 4.4x
P/B · 5.1x5y range 4.5x – 21.1x
P/B 5.1x · near its 4-quarter median

Currently near its 4-quarter median.

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 12.0% — significant dilution, likely from stock compensation or capital raises.

Price & Volume
Market Cap $1.46B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue
$330.30M
Q. Revenue
$57.79M
TTM EBITDA
$163.93M
TTM Op. Income
$159.53M
Q. Op. Income
$28.46M
TTM Net Income
$126.42M
Q. Net Income
$23.27M
EPS
$0.26
Shares Out.
$88.23M

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin
63.7%
EBITDA Margin
50.5%
Op. Margin
49.3%
Net Margin
40.3%

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio
11.6x
P/S Ratio
4.4x
P/B Ratio
5.1x
At 11.6x P/E, the stock trades below typical market levels. P/S of 4.4x and P/B of 5.1x provide additional context. Use the growth and margin sections to judge whether the multiple is justified.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets
$385.78M
3Q
Cash
$136.73M
2Q
Long-Term Debt
N/A
Book Value
$288.17M
3Q
D/E Ratio
N/A
Debt/EBITDA
0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow
$15.41M
TTM Free Cash Flow
$137.81M
FCF Margin
41.7%
FCF / Net Income
1.1
TTM FCF of $137.81M on $15.41M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 0% — an improving trend.

Related Stocks in Financial Services

View Sector
JPM$832.71B
JPMorgan Chase
Banks - Diversified
V$612.85B
Visa Inc.
Credit Services
MA$480.49B
Mastercard
Credit Services
BAC$383.53B
Bank of America
Banks - Diversified
GS$286.47B
Goldman Sachs
Capital Markets
WFC$276.26B
Wells Fargo
Banks - Diversified
MS$272.86B
Morgan Stanley
Capital Markets
AXP$238.56B
American Express
Credit Services