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Exzeo Group, Inc. (XZO)
Financial Services · Insurance - Diversified · NYSE
Exzeo Group, Inc. revenue & earnings — last 3 fiscal years
| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | $88.33M | $133.95M | $216.98M |
| Gross profit | $17.27M | $53.21M | $131.02M |
| Net income | $21.46M | $45.32M | $82.75M |
| Net margin | 24.3% | 33.8% | 38.1% |
Source: Exzeo Group, Inc. SEC filings (10-K).
What growth is priced into XZO stock?
At today's market cap of $1.21B, Exzeo Group, Inc. is priced for free-cash-flow growth of about 1.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $97.45M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 3 years of Exzeo Group, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Exzeo Group, Inc. financial history by metric
About Exzeo Group, Inc.
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. The company offers an Insurance-as-a-Service (IaaS) platform that provides solutions for operational and administrative activities, such as quoting and underwriting, policy management, claims processing management, data reporting, and financial reporting. It serves property and casualty insurance industry. 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.
Exzeo Group, Inc. — frequently asked questions
What is Exzeo Group, Inc.'s revenue?
Exzeo Group, Inc. (XZO) reported revenue of $216.98M for fiscal year 2025, up 62.0% from the prior year, according to its SEC filings.
Is Exzeo Group, Inc. profitable?
Yes. XZO earned net income of $82.75M in fiscal 2025, a net margin of 38.1%.
What is XZO's P/E ratio?
Exzeo Group, Inc. trades at a price-to-earnings ratio of about 14.1 based on the latest data in our nightly-refreshed cache.
How fast is Exzeo Group, Inc. growing?
XZO's revenue grew at roughly 56.7% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Exzeo Group, Inc. have?
As of fiscal year 2025, XZO carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Exzeo Group, Inc.'s gross margin?
XZO's gross margin was 60.4% in fiscal 2025 — gross profit of $131.02M on revenue of $216.98M.
What is Exzeo Group, Inc.'s market cap?
Exzeo Group, Inc. (XZO) has a market capitalization of about $1.21B, based on the latest data in our nightly-refreshed cache.
When does Exzeo Group, Inc.'s fiscal year end?
XZO's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into XZO stock?
At today's market cap of $1.21B, Exzeo Group, Inc. is priced for free-cash-flow growth of about 1.1% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $97.45M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from Exzeo Group, Inc.'s official SEC filings (10-K and 10-Q), covering 3 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.