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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 | $0M | $0M | $0M | $0M | - | - | - |
| 2023 | $0M | $0M | $0M | $0M | - | - | - |
| 2022 | $0M | $0M | $0M | - | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 0 | 0 | 0 | 216.98 |
| Cost Of Revenue | 0 | 0 | 0 | 85.96 |
| Gross Profit | 0 | 0 | 0 | 131.02 |
| Operating Expense | 0 | 0 | 0 | 25.03 |
| Operating Income | 0 | 0 | 0 | 105.99 |
| EBITDA | 0 | 0 | 0 | 113.23 |
| EBIT | 0 | 0 | 0 | 110.29 |
| Pretax Income | 0 | 0 | 0 | 110.29 |
| Tax Provision | 0 | 0 | 0 | 27.54 |
| Net Income | 0 | 0 | 0 | 82.75 |
| Net Income Common Stockholders | 0 | 0 | 0 | 82.75 |
| Total Expenses | 0 | 0 | 0 | 110.99 |
| Interest Expense | 0 | 0 | 0 | 0 |
| Research And Development | 0 | 0 | 0 | 8.83 |
| Selling General And Administration | 0 | 0 | 0 | 15.72 |
| Normalized EBITDA | 0 | 0 | 0 | 108.92 |
| Normalized Income | 0 | 0 | 25.66 | 79.52 |
| Basic EPS | -0.75 | 0.13 | 0.39 | 0 |
| Diluted EPS | -0.75 | 0.13 | 0.39 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 0.14 | 1.08 |
| Tax Rate For Calcs | 0 | 0 | 0.26 | 0.25 |
| Total Unusual Items | 0 | 0 | 0 | 4.30 |
| Total Unusual Items Excluding Goodwill | 0 | 0 | 0 | 4.30 |
| Net Income From Continuing Operation Net Minority Interest | 0 | 0 | 0 | 82.75 |
| Reconciled Depreciation | 0 | 0 | 0 | 2.93 |
| Reconciled Cost Of Revenue | 0 | 0 | 0 | 83.50 |
| Net Interest Income | 0 | 0 | 0 | 0 |
| Net Income From Continuing And Discontinued Operation | 0 | 0 | 0 | 82.75 |
| Total Operating Income As Reported | 0 | 0 | 0 | 105.99 |
| Diluted Average Shares | 90.78 | 90.78 | 90.78 | 0 |
| Basic Average Shares | 90.78 | 90.78 | 90.78 | 0 |
| Diluted NI Availto Com Stockholders | 0 | 0 | 0 | 82.75 |
| Net Income Including Noncontrolling Interests | 0 | 0 | 0 | 82.75 |
| Net Income Discontinuous Operations | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | 0 | 0 | 0 | 82.75 |
| Other Income Expense | 0 | 0 | 0 | 4.30 |
| Gain On Sale Of Security | 0 | 0 | 0 | 4.30 |
| Net Non Operating Interest Income Expense | 0 | 0 | 0 | 0 |
| Interest Expense Non Operating | 0 | 0 | 0 | 0 |
| Depreciation Amortization Depletion Income Statement | 0 | 0 | 0 | 0.48 |
| Depreciation And Amortization In Income Statement | 0 | 0 | 0 | 0.48 |
| Operating Revenue | 0 | 0 | 0 | 207.52 |
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 | $1.5B | 16.44↑ premium | 5.82 | 32.6% | 10.44 |
| FirstSun Capital Bancorp | FSUN | $1.6B | 10.44 | 0.86 | 8.5% | - |
| Lakeland Financial Corporation | LKFN | $1.5B | 15.05 | 2.04 | 13.6% | - |
| QCR Holdings, Inc. | QCRH | $1.5B | 11.36 | 1.36 | 11.4% | - |
| Byline Bancorp, Inc. | BY | $1.5B | 10.52 |
| 1.15 |
| 10.3% |
| - |
| Republic Bancorp, Inc. | RBCAA | $1.5B | 11.57 | 1.33 | 11.9% | - |
| ConnectOne Bancorp, Inc. | CNOB | $1.5B | 15.61 | 0.98 | 5.1% | - |
| Origin Bancorp, Inc. | OBK | $1.4B | 18.18 | 1.15 | 6.0% | - |
| Westamerica Bancorporation | WABC | $1.4B | 11.19 | 1.39 | 12.4% | - |
| Peer Median | - | 11.47 | 1.24 | 10.8% | - | |