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MARKETS / NYSE / XZO
NYSE · SERVICES-PREPACKAGED SOFTWARE

Exzeo Group, Inc. XZO

3 fiscal years on record · USD · FY2025 reported · SEC filings only
$217.0M
▲ 62.0% YoY
$82.7M
▲ 82.6% YoY
$97.5M
▲ 112.2% YoY
In brief

What this company does

Exzeo Group, Inc. provides insurance technology and operations solutions to P&C insurance carriers and their agents through a proprietary platform of software and data analytics applications. As of December 31, 2025, the company employed approximately 354 full-time employees, the majority of whom are based in the United States. Through the Exzeo Platform, it provides services in states where its customers have active operations, including Florida, Connecticut, Georgia, Massachusetts, Montana, North Carolina, New Jersey, New Mexico, Nevada, Rhode Island, South Carolina, South Dakota, and Utah. The Exzeo Platform is organized into three core components: advanced underwriting solutions, data analytics solutions, and insurance management solutions. Through its insurance management solutions, the company provides front-end insurance operations, including policy issuance and renewal, endorsements, underwriting support, policy administration, and claims management. Exzeo was originally established in 2012 as the technology and innovation division of HCI, a publicly traded Florida corporation listed on the NYSE under the symbol HCI with operations in homeowners insurance, reinsurance, real estate, and information technology, and remains a majority owned subsidiary of HCI. Exzeo Group, Inc. was incorporated in the State of Florida on July 21, 2020 as TypTap Insurance Group, Inc., and changed its name to Exzeo Group, Inc. in February 2025.

Written from the business description in Exzeo Group, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 26 February 2026. Every sentence was checked against that document before publication.

Growth
USD 217.0M
Revenue, FY2025 · full 3-year series below
Revenue $M Net income $M
FY2025 · Revenue 217.0 · Net income 82.7
80M160M202320242025
Compound annual growth
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
38 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 48.8% · Net 38.1%
20%40%202320242025
ROE
FY2025 · ROE 61.4%
100%200%202320242025

Each USD of equity produced 61 cents of profit this year.

Cash & shareholders
USD 1.5M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 97.5
40M80M202320242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 1.5
0.5M1.0M202320242025

USD 1.5M in buybacks — 2% of the year's profit went back to shareholders.

Total assetsUSD 347.7M
EquityUSD 254.2M
CashUSD 305.4M
Gross debtUSD 0.00
Net debtUSD -305.4M
Current ratio3.86×

The company holds more cash than debt.

The 3-year record
3 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 202520242023
Revenue $B0.20.10.1
Operating income $B0.10.00.0
EBITDA $B0.10.00.0
Income tax $B0.00.0−0.0
Net income $B0.10.00.0
Free cash flow $B0.10.00.0
EPS, diluted $0.990.440.15
Dividend / sh $···
Payout %···
ROE %61.4292.3·
Shares out B0.090.08·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures · 1 divergences in 13 reconciliationsAUDITED

Reconciled in 2 of 19 fiscal years. 1 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. 82 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures1 divergent
ActivityServices-Prepackaged Software
Listed onNYSE
Incorporated inFlorida
Fiscal year endsDecember 31
SEC categoryemerging growth company
Data on record since2023

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