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XZO · NYSE · Insurance - Diversified

Exzeo Group

Delivers software and operations services to property-and-casualty insurers and their agents.

$16.89

After-hours close0.00 (0.00%)

At close$16.89(+2.05%)

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Profile

Exzeo Group, Inc.XZOFinancials

Provides technology and operating services to property-and-casualty insurers and their agents. Premium-linked arrangements and technology and service fees support revenue, while relationships with HCI-related carriers remain a defining structural feature.

Turnkey technology and operating services support property-and-casualty insurers and their agents. The Exzeo Platform combines quoting and underwriting, policy administration, claims management, geospatial visualization, reporting and related services. Revenue comes from premium-linked arrangements as well as technology and service fees.

Exzeo Insurance Services handles claims processing, policyholder services and marketing, while Exzeo USA develops insurance software with an India development subsidiary. Customers have principally included HCI-related carriers, alongside efforts to add third-party carriers.

Majority ownership by HCI and the concentration of historical related-party relationships remain structural features. Demand depends on carrier policy volumes, especially homeowners insurance, and is shaped by insurance regulation, data privacy, cybersecurity and catastrophe-prone markets.

Company facts

CEOParesh Patel

ListedNov 5, 2025

ExchangeNYSE

HeadquartersTampa, FL

CountryUnited States

Employees354

CIK0001873951

ISINUS30234F1012

Key statistics

Market cap$1.54B

EPS (ttm)$0.9300

P/E (ttm)18.16

ROE38.8%

P/B5.33

P/S6.92

Dividend yield—

Beta1.62vs XLF 1.29

Year to date −25.8% · Average volume (30d) 172.2K

Analysts

No analyst consensus on record.

Earnings

EPS

Estimate$0.24

Reported$0.26+8.3%

Revenue

Estimate$55.2M

Reported$57.8M+4.6%

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 6, 2026Q2 FY26	$0.24	$0.26	+8.3%	$55.2M	$57.8M	+4.6%	−4.85%
May 6, 2026Q1 FY26	$0.20	$0.22	+10.0%	$57.4M	$54.0M	−5.9%	−19.28%
Feb 25, 2026Q4 FY25	$0.13	$0.25	+92.3%	$44.1M	$51.0M	+15.7%	+4.46%
Dec 10, 2025Q3 FY25	$0.24	$0.25	+4.2%	$53.2M	$55.2M	+3.7%	+10.72%

View details

Financial highlights

	Q4 FY24	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$44.5M	$56.1M	$55.2M	$53.3M	$55.5M	$57.8M
Gross profit	$18.7M	$33.6M	$32.7M	$34.1M	$31.9M	$36.8M
Operating income	$15.6M	$28.1M	$27.3M	$26.8M	$25.1M	$28.5M
Net income	$11.7M	$21.7M	$21.2M	$22.0M	$20.4M	$23.3M
Diluted EPS	$0.13	$0.24	$0.22	$0.23	$0.22	$0.26
Gross margin	42.0%	59.8%	59.4%	64.0%	57.4%	63.7%
Operating margin	35.0%	50.1%	49.4%	50.3%	45.2%	49.3%

Fiscal years (4-quarter sums)FY20 $51.7M

Revenue by product · Q2 FY26

Technology Service$2.7M · 100%

Balance sheet, Jun 30, 2026Cash & short-term investments $136.7M · Total debt $6.6M · Total assets $385.8M · Shareholders' equity $288.2M

Dividends

No dividends on record.

Ownership

Institutions 7.97%7.25M sharesInsiders 3.76%3.42M sharesOther 88.27%80.25M shares

Shares outstanding 90.92M · Float 12.48M · 13.7% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
HCI Group, Inc.	75.00M	82.60%	13G	Feb 13, 2026
Paresh Patel · director, officer: Chief Executive Officer	1.67M	1.84%	Form 4	May 28, 2026
Kevin Andrew Mitchell · director, officer: President	715.1K	0.79%	Form 4	Dec 22, 2025
Janus Henderson Group PLC	703.3K	0.77%	13F	May 18, 2026
FJ Capital Management LLC	682.4K	0.75%	13F	May 15, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
May 27, 2026	Paresh Patel	director, officer: Chief Executive Officer	+2,000	$13.67
May 26, 2026	Paresh Patel	director, officer: Chief Executive Officer	+2,000	$13.26
May 22, 2026	Paresh Patel	director, officer: Chief Executive Officer	+2,000	$12.92
May 21, 2026	Paresh Patel	director, officer: Chief Executive Officer	+2,000	$12.82
May 20, 2026	Paresh Patel	director, officer: Chief Executive Officer	+2,000	$13.33