# Exzeo Group, Inc. (XZO)

**Exchange:** NYSE  
**Sector:** Financial Services  
**Market cap:** $1.08B  
**Price:** $13.50 (+1.05%)

> Exzeo Group, Inc. is an innovative application software company specializing in comprehensive technology solutions for the property and casualty (P&C) insurance industry. Founded in 2012 and based in Tampa, Florida, Exzeo Group’s primary offering is a proprietary Insurance-as-a-Service (IaaS) platform incorporating nine configurable applications that support crucial functions such as quoting and underwriting, policy administration, claims processing, data analytics, and financial reporting. This platform empowers insurance carriers and their agents throughout the insurance value chain—streamlining operations, improving underwriting precision, and enhancing data-driven decision-making. Exzeo Group's platform integrates advanced algorithmic models that analyze and visualize both structured and unstructured data, enabling insurers to make more accurate, efficient, and profitable risk assessments. By providing end-to-end digital solutions, Exzeo Group plays a vital role in modernizing insurance workflows and elevating the operational efficiency and competitiveness of P&C carriers across the United States. As a recent carve-out IPO from HCI Group, Exzeo Group stands out for its domain expertise, internally developed technology, and pivotal role in the digital transformation of the insurance sector.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $217M | $131M | $106M | $83M | — |
| 2024 | $134M | $53M | $38M | $45M | — |
| 2023 | $88M | $17M | $3M | $21M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $348M | $94M | $254M | $305M | — |
| 2024 | $89M | $74M | $16M | $55M | — |

Source: [CompaniesByCap](https://companiesbycap.com/company/XZO)