Is Exzeo Group, Inc. (XZO) Overvalued?
We dive into why Exzeo Group, Inc. (XZO) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
Why Exzeo Group, Inc.’s (XZO) Stock Is Up 5.09%
As of Tuesday, July 28, Exzeo Group, Inc.’s XZO share price has surged by 5.09%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Exzeo Group, Inc.’s (XZO) Stock Is Up 6.05%
As of Friday, June 26, Exzeo Group, Inc.’s XZO share price has surged by 6.05%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
Why Exzeo Group, Inc.’s (XZO) Stock Is Down 5.21%
As of Wednesday, June 03, Exzeo Group, Inc.’s XZO share price has dipped by 5.21%, which has investors questioning if this is right time to buy.Michael Rose
Why Exzeo Group, Inc.’s (XZO) Stock Is Up 6.09%
As of Tuesday, May 26, Exzeo Group, Inc.’s XZO share price has surged by 6.09%, which has investors questioning if this is right time to sell.Michael Rose
Financial Summary
| Share Statistics | XZO | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,484.6 | $7,272.6 | 50% |
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| Shares Out (Mil) | 88.2 | 78.9 | 60% |
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| Institutional Ownership | 65.3% | 80.0% | 40% |
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| Float (Mil) | 11.5 | 65.8 | 21% |
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| Beta | na | 0.50 | na |
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| Avg Daily Volume (000s) | 187 | 186 | 45% |
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| Price Change (52-week) |
na | 90.5% | na |
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| Growth | XZO | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 59.0% | 5.4% | 97% |
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| Net Income (5yr) | 69.5% | 14.2% | 97% |
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| EPS (5yr) | 66.3% | 15.5% | 97 |
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| Dividends (5yr) | 0.0% | 3.8% | 0% |
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| Cash Flow (5yr) | 44.3% | (11.8%) | 92% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 1 | 1 | 1 | |
| Current EPS | $0.260 | $1.000 | $1.150 | |
| Month Ago EPS | $0.260 | $1.000 | $1.150 | |
| # Rev Up | 2 | 1 | 1 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.260 | $1.000 | $1.150 | |
| Year/Year Chg | 1.6% | 1.5% | na | |
| Financials | XZO | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $230 | $5,769 | 33% |
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| Net Income (TTM) (Mil) | $87 | $569 | 59% |
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| EPS (TTM) | $0.986 | $2.500 | 61% |
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| Operating Cash Flow (TTM) (Mil) | $84 | $632 | 50% |
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| Net Cash Flow (TTM) (Mil) | na | $5 | na |
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| Long-Term Debt (Q1) (Mil) | $4 | $933 | 23% |
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| Enterprise Value (Q1) (Mil) | $1,282 | $7,912 | 43% |
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| Valuation | XZO | Industry Median |
Percentile (All Stocks) |
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| P/B | 5.17 | 1.66 | 79% |
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| P/E | 16.7 | 12.3 | 42% |
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| Dividend Yield | 0.0% | 1.1% | 0% |
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| PEG (5yr hist) | 0.3 | 0.5 | 11% |
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| Ratios | XZO | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 35.1% | 96% |
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| Net Margin | 37.7% | 10.2% | 93% |
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| ROA | 31.8% | 2.5% | 98% |
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| ROE | 50.4% | 14.7% | 93% |
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| Liabilities to Assets | 25.3% | 77.0% | 17% |
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| F-Score | 4 | 6 | 33% |
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Exzeo Group, Inc. did not pass any screens on 9/2/2026.
