XZO
Financial ServicesExzeo Group, Inc. · Insurance - Diversified · $1B
What is Exzeo Group, Inc.?
Exzeo Group, Inc. is a Tampa-based insurance technology company that delivers turnkey operational and administrative solutions to insurance carriers and agents. It operates as a subsidiary of HCI Group, Inc.
Exzeo Group generates revenue by providing an Insurance-as-a-Service platform that handles the full operational stack for property and casualty insurers. Clients outsource functions like quoting, underwriting, policy management, claims processing, and financial reporting to Exzeo's platform — allowing carriers and agents to run leaner operations without building proprietary infrastructure.
Exzeo Group is headquartered in Tampa, Florida, with roots tracing back to its founding in 2012 under the former name TypTap Insurance Group, Inc.
- Insurance-as-a-Service (IaaS) platform
- Quoting and underwriting automation
- Policy and claims processing management
- Data and financial reporting tools
Is XZO a Good Stock to Buy?
UQS Score rates XZO as Very Good overall.
Exzeo Group's strongest attributes are its Quality and Growth pillars, both rated Strong — reflecting a business model that appears to generate durable operational results and meaningful expansion within the insurtech space. The Risk pillar also earns a Good rating, suggesting the company's risk profile is manageable relative to peers.
The Moat pillar is rated Weak, indicating that competitive differentiation may be limited — a meaningful consideration in a crowded insurance technology market.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does XZO pay dividends?
No — Exzeo Group, Inc. does not currently pay a dividend.
Exzeo Group does not currently pay a dividend. As a growth-oriented insurtech operating within a larger corporate structure, the company appears focused on reinvesting resources into platform development and market expansion rather than returning cash to shareholders through distributions.
When does XZO report earnings?
Exzeo Group reports earnings on a quarterly cadence, consistent with standard practice for US-listed equities.
The company's Strong Quality and Growth pillar ratings suggest its recent operating results have been constructive relative to sector peers. Trends in platform adoption and operational efficiency appear to be key drivers of its financial trajectory.
For the most current quarterly results and guidance, visit Exzeo Group's investor relations page directly.
XZO Price History
-12.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
XZO Long-term Outlook
Exzeo Group's Strong Growth pillar points to a favorable fundamental trajectory, supported by rising demand for outsourced insurance technology among carriers seeking to reduce operational overhead. The Good Risk rating suggests the business is not taking on outsized balance sheet or operational risk to achieve that growth. However, the Weak Moat rating is a reminder that sustaining growth may require continuous platform investment as competition in the insurtech sector intensifies.
Growth drivers
- Expanding demand for outsourced insurance operations among property and casualty carriers
- Platform scalability enabling new client onboarding without proportional cost increases
- Broader digital transformation trends within the insurance industry
Key risks
- Limited competitive moat may pressure pricing and client retention
- Dependence on the property and casualty insurance cycle for revenue stability
- Valuation expectations embedded in a Good Valuation rating leave less room for operational missteps
XZO vs Peers
Exzeo Group operates in a competitive landscape that includes insurance distributors and specialty insurers with distinct business models.
Goosehead focuses on independent insurance distribution through a franchise model, targeting personal lines consumers rather than providing back-end technology infrastructure to carriers.
IGIC is a specialty insurer underwriting risk across international markets, competing on underwriting expertise rather than technology platform services.
Frequently Asked Questions
What does Exzeo Group do?
Exzeo Group provides an Insurance-as-a-Service platform that handles operational and administrative functions for property and casualty insurance carriers and agents. Services include quoting, underwriting, policy management, claims processing, and financial reporting — allowing clients to outsource core insurance operations.
Does XZO pay dividends?
No, Exzeo Group does not currently pay a dividend. The company appears to prioritize reinvesting in its platform and growth initiatives rather than distributing cash to shareholders. Income-focused investors should factor this into their assessment.
When does XZO report earnings?
Exzeo Group follows a standard quarterly earnings cadence for US-listed companies. We do not publish specific upcoming earnings dates in our data. For confirmed dates, check Exzeo Group's investor relations page or a financial calendar service.
Is XZO a good stock to buy?
UQS Score rates XZO as Very Good, with Strong ratings in both Quality and Growth and a Good Risk rating. The Weak Moat rating is a notable consideration. Whether XZO fits your portfolio depends on your goals — Pro members can view the complete pillar breakdown to inform their own judgment.
Is XZO overvalued?
The UQS Valuation pillar for XZO is rated Good, suggesting the stock is not trading at an obviously stretched premium relative to its fundamentals. That said, valuation is one of five pillars — the full picture requires reviewing Quality, Growth, Risk, and Moat together.
How does XZO compare to its competitors?
Exzeo Group's insurtech platform model differs from peers like Goosehead Insurance, which distributes personal lines policies, and IGIC, which underwrites specialty risk internationally. Exzeo's focus on back-end operational infrastructure for carriers is a distinct positioning within the broader financial services landscape.
What is XZO's market cap bracket?
Exzeo Group is classified as a small-cap company. Small-cap stocks can offer growth potential but may also carry higher volatility and liquidity considerations compared to large- or mega-cap peers in the financial services sector.
Who founded Exzeo Group?
Exzeo Group was originally founded in 2012 under the name TypTap Insurance Group, Inc. before rebranding. The company operates as a subsidiary of HCI Group, Inc. Detailed founding history is publicly available through the company's official disclosures.
Is XZO a long-term quality investment?
As a long-term quality indicator, XZO's Strong Quality and Growth pillar ratings are encouraging signs of business durability. The Weak Moat rating, however, raises questions about sustained competitive advantage over time. Pro members can access the full analysis to evaluate long-term fit.
What is the main competitive advantage of Exzeo Group?
Exzeo Group's primary advantage lies in its turnkey platform approach — carriers and agents can outsource complex operational functions without building proprietary systems. However, the UQS Moat pillar is rated Weak, suggesting this advantage may not yet be deeply entrenched relative to sector peers.
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Pro Analysis
XZO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 23, 2026 | 70.0 | 100.0 | 37.0 | 93.9 | 67.6 | 93.3 | 0.0 |
| May 22, 2026 | 70.0 | 97.8 | 37.0 | 93.9 | 94.9 | 92.1 | 0.0 |
| May 21, 2026 | 70.0 | 97.9 | 37.0 | 93.9 | 94.9 | 92.4 | 0.0 |
| May 16, 2026 | 70.0 | 96.7 | 37.0 | 93.9 | 94.9 | 89.5 | 0.0 |
| May 13, 2026 | 70.0 | 97.0 | 37.0 | 93.9 | 94.9 | 90.2 | 0.0 |
| May 12, 2026 | 70.0 | 95.5 | 37.0 | 93.9 | 94.9 | 87.3 | 0.0 |
| May 10, 2026 | 70.0 | 96.8 | 37.0 | 93.9 | 94.9 | 90.3 | 0.0 |
| May 7, 2026 | 70.0 | 84.6 | 37.0 | 95.0 | 72.7 | 72.7 | 0.0 |
| May 3, 2026 | 70.0 | 84.6 | 37.0 | 95.0 | 72.7 | 74.2 | 0.0 |
| Apr 26, 2026 | 70.0 | 84.6 | 37.0 | 95.0 | 72.7 | 73.4 | 0.0 |
XZO — Pillar Breakdown
Quality
— 100.0/100 (25%)Exzeo Group, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 93.9/100 (20%)Exzeo Group, Inc. is growing rapidly with strong revenue and earnings expansion.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 67.6/100 (15%)Exzeo Group, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 93.3/100 (15%)Exzeo Group, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 37/100 (25%)Exzeo Group, Inc. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for XZO.
Score Composition
Financial Data
More Stock Analysis
How is the XZO UQS Score Calculated?
The UQS (Unified Quality Score) for Exzeo Group, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Exzeo Group, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Exzeo Group, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.