Loading…
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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $217M | $113M | $83M | $97M | 32.6% | - | - |
| 2024 | - | - | - | - | - | - | - |
| 2023 | - | - | - | - | - | - | - |
| 2022 | - | - | - | - | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | - | - | - | 216.98 |
| Operating Revenue | - | - | - | 207.52 |
| Cost Of Revenue | - | - | - | 85.96 |
| Gross Profit | - | - | - | 131.02 |
| Operating Expense | - | - | - | 25.03 |
| Research And Development | - | - | - | 8.83 |
| Selling General And Administration | - | - | - | 15.72 |
| Total Expenses | - | - | - | 110.99 |
| Operating Income | - | - | - | 105.99 |
| Total Operating Income As Reported | - | - | - | 105.99 |
| EBITDA | - | - | - | 113.23 |
| Normalized EBITDA | - | - | - | 108.92 |
| EBIT | - | - | - | 110.29 |
| Interest Expense | - | - | - | 0 |
| Net Interest Income | - | - | - | 0 |
| Other Income Expense | - | - | - | 4.30 |
| Interest Expense Non Operating | - | - | - | 0 |
| Net Non Operating Interest Income Expense | - | - | - | 0 |
| Pretax Income | - | - | - | 110.29 |
| Tax Provision | - | - | - | 27.54 |
| Tax Rate For Calcs | - | - | 0 | 0 |
| Tax Effect Of Unusual Items | - | - | 0.14 | 1.08 |
| Net Income Continuous Operations | - | - | - | 82.75 |
| Net Income From Continuing And Discontinued Operation | - | - | - | 82.75 |
| Net Income From Continuing Operation Net Minority Interest | - | - | - | 82.75 |
| Net Income | - | - | - | 82.75 |
| Net Income Common Stockholders | - | - | - | 82.75 |
| Net Income Including Noncontrolling Interests | - | - | - | 82.75 |
| Normalized Income | - | - | 25.66 | 79.52 |
| Diluted NI Availto Com Stockholders | - | - | - | 82.75 |
| Basic Average Shares | 90.78 | 90.78 | 90.78 | 80.17 |
| Diluted Average Shares | 90.78 | 90.78 | 90.78 | 80.17 |
| Reconciled Depreciation | - | - | - | 2.93 |
| Reconciled Cost Of Revenue | - | - | - | 83.50 |
| Total Unusual Items | - | - | - | 4.30 |
| Total Unusual Items Excluding Goodwill | - | - | - | 4.30 |
| Net Income Discontinuous Operations | - | - | - | 0 |
| Gain On Sale Of Security | - | - | - | 4.30 |
| Depreciation Amortization Depletion Income Statement | - | - | - | 0.48 |
| Depreciation And Amortization In Income Statement | - | - | - | 0.48 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Exzeo Group, Inc.this co. | XZO | $1.1B | 13.79 | 4.49 | 32.6% | 7.44 |
| First Mid Bancshares, Inc. | FMBH | $1.2B | 12.94 | 1.24 | 9.6% | - |
| Strive Asset Management, LLC | ASST | $1.2B | - | 2.03 | -3.0% | - |
| Heritage Financial Corporation | HFWA | $1.1B | 16.86 | 1.24 | 7.3% | - |
| Preferred Bank | PFBC | $1.1B | 8.51 |
| 1.44 |
| 16.9% |
| - |
| United Fire Group, Inc. | UFCS | $1.1B | 9.51 | 1.19 | 12.6% | - |
| Univest Financial Corporation | UVSP | $1.1B | 12.37 | 1.19 | 9.6% | - |
| Metropolitan Bank Holding Corp. | MCB | $1.1B | 15.75 | 1.51 | 9.6% | - |
| Old Second Bancorp, Inc. | OSBC | $1.1B | 13.72 | 1.23 | 9.0% | - |
| Peer Median | - | 12.94 | 1.24 | 9.6% | - | |