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    XZO

    Exzeo Group, Inc.

    Company overview

    Market capitalization
    $1.36B
    Employees
    354
    Latest publication
    2026-09-29
    About Exzeo Group, Inc.

    Exzeo Group, Inc. provides turnkey insurance technology and operations solutions to insurance carriers and agents. 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.

    Company website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ3 20212021-09-30 · USD
    Total Revenue55,534,000USD53,316,000USD55,166,000USD56,091,000USD52,407,000USD44,533,000USD29,110,000USD32,366,999USD
    Cost Of Revenue23,653,000USD19,177,000USD22,421,000USD22,540,000USD23,582,000USD25,831,000USD17,989,000USD34,585,000USD
    Gross Profit31,881,000USD34,139,000USD32,745,000USD33,551,000USD28,825,000USD18,702,000USD11,121,000USD-2,218,000USD
    Research Development2,306,000USD1,761,000USD2,494,000USD2,354,000USD2,221,000USD1,496,000USD1,728,000USD—
    Selling General Administrative5,216,000USD6,158,000USD3,900,000USD5,666,000USD2,706,000USD1,537,000USD2,574,000USD—
    Total Operating Expenses6,806,000USD7,325,000USD5,493,000USD5,424,000USD28,610,000USD3,123,000USD22,380,000USD—
    Operating Income25,075,000USD26,814,000USD27,252,000USD28,127,000USD23,797,000USD15,579,000USD6,730,000USD-6,533,000USD
    Income Before Tax27,587,000USD28,853,000USD28,354,000USD28,890,000USD24,195,000USD15,780,000USD6,912,000USD-10,305,000USD
    Income Tax Expense7,181,000USD6,869,000USD7,203,000USD7,227,000USD—4,080,000USD—-2,432,000USD
    Tax Provision7,181,000USD6,869,000USD7,203,000USD13,471,000USD6,244,000USD4,080,000USD1,655,000USD—
    Net Income20,406,000USD21,984,000USD21,150,999USD21,663,000USD17,951,000USD11,700,000USD5,257,000USD-7,139,000USD
    Net Income From Continuing Ops20,406,000USD21,984,000USD21,151,000USD21,663,000USD17,951,000USD11,700,000USD5,257,000USD—
    Ebit27,587,000USD28,853,000USD28,354,000USD29,288,000USD—15,788,000USD—-6,533,000USD
    Ebitda28,303,000USD29,447,000USD29,255,000USD30,018,000USD—16,223,000USD—-6,190,000USD
    Depreciation And Amortization716,000USD594,000USD901,000USD730,000USD—435,000USD—343,000USD
    Reconciled Depreciation730,000USD594,000USD901,000USD730,000USD709,000USD435,000USD655,000USD—
    Total Other Income Expense Net2,512,000USD2,039,000USD1,102,000USD763,000USD398,000USD201,000USD197,000USD-3,772,000USD
    Interest Expense—0USD0USD——8,000USD15,000USD—
    Net Interest Income—0USD0USD——-8,000USD-15,000USD—
    Interest Income——1,102,000USD1,161,000USD—201,000USD——
    Net Income Applicable To Common Shares——21,151,000USD39,614,000USD—11,700,000USD——
    Unclassified Operating Expenses———-2,596,000USD23,683,000USD—18,078,000USD—
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USD
    Total Revenue216,980,000USD51,701,000USD21,340,000USD
    Cost Of Revenue89,370,000USD49,638,000USD15,402,000USD
    Gross Profit127,610,000USD2,063,000USD5,938,000USD
    Research Development8,830,000USD——
    Selling General Administrative15,724,000USD——
    Unclassified Operating Expenses-2,934,000USD——
    Total Operating Expenses21,620,000USD——
    Operating Income105,990,000USD-8,693,000USD-1,731,000USD
    Interest Expense0USD——
    Net Interest Income0USD——
    Income Before Tax110,292,000USD-16,460,999USD-8,491,000USD
    Income Tax Expense27,543,000USD-4,037,000USD-1,580,000USD
    Tax Provision27,543,000USD——
    Net Income82,749,000USD-12,424,000USD-6,911,000USD
    Net Income From Continuing Ops82,749,000USD——
    Ebit110,292,000USD-8,693,000USD-1,731,000USD
    Ebitda113,226,000USD-7,590,000USD-1,055,000USD
    Depreciation And Amortization2,934,000USD1,103,000USD676,000USD
    Reconciled Depreciation2,934,000USD——
    Total Other Income Expense Net4,302,000USD-7,767,999USD-6,760,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ4 20242024-12-31 · USDQ3 20212021-09-30 · USDQ2 20212021-06-30 · USDQ1 20212021-03-31 · USD
    Total Assets379,768,000USD347,734,000USD182,254,000USD160,812,000USD—294,931,000USD291,153,000USD258,012,000USD
    Other Current Assets7,138,000USD1,526,000USD8,414,000USD1,783,000USD—-205,820,000USD-246,332,000USD-214,268,000USD
    Total Liab104,827,000USD93,578,000USD103,822,000USD104,261,000USD—173,097,000USD159,319,000USD124,055,000USD
    Total Stockholder Equity274,941,000USD254,156,000USD78,432,000USD56,551,000USD—121,834,000USD131,834,000USD133,957,000USD
    Other Current Liab86,732,000USD1,073,000USD-90,134,000USD——164,595,000USD141,230,000USD118,052,000USD
    Common Stock91,000USD91,000USD83,000USD83,000USD—81,000USD81,000USD81,000USD
    Capital Stock91,000USD91,000USD83,000USD—————
    Retained Earnings45,824,000USD25,418,000USD3,434,000USD-17,717,000USD—-24,753,000USD-14,678,000USD-8,853,000USD
    Cash231,381,000USD305,372,000USD140,919,000USD——182,840,000USD202,831,000USD202,554,000USD
    Cash And Short Term Investments231,381,000USD305,372,000USD140,919,000USD110,732,000USD—187,522,000USD205,496,000USD204,648,000USD
    Total Current Assets260,929,000USD325,821,000USD162,646,000USD138,379,000USD————
    Total Current Liabilities98,576,000USD84,389,000USD2,351,000USD93,842,000USD—164,595,000USD141,230,000USD118,052,000USD
    Net Debt-224,452,000USD-298,127,000USD-128,240,000USD——-182,381,000USD-202,242,000USD-201,797,000USD
    Short Term Debt2,450,000USD2,413,000USD2,351,000USD0USD————
    Short Long Term Debt Total6,929,000USD7,245,000USD12,679,000USD——459,000USD589,000USD757,000USD
    Long Term Investments98,516,000USD———————
    Net Receivables22,410,000USD18,923,000USD13,313,000USD6,170,000USD—18,298,000USD40,836,000USD9,620,000USD
    Accounts Payable11,624,000USD7,555,000USD15,600,000USD—————
    Property Plant Equipment Net16,835,000USD17,546,000USD18,023,000USD18,034,000USD—7,144,000USD7,095,000USD7,044,000USD
    Property Plant Equipment Gross16,835,000USD31,493,000USD18,023,000USD—————
    Accumulated Other Comprehensive Income-361,000USD————125,000USD182,000USD321,000USD
    Common Stock Shares Outstanding90,913,540shares90,913,540shares90,775,789shares90,775,789shares90,775,789shares90,775,789shares90,775,789shares90,775,789shares
    Non Current Assets Total118,839,000USD21,913,000USD19,608,000USD—————
    Non Current Liabilities Total6,251,000USD9,189,000USD101,471,000USD—————
    Non Current Liabilities Other829,000USD790,000USD709,000USD—————
    Non Currrent Assets Other99,099,000USD1,392,000USD1,572,000USD——-7,144,000USD-7,095,000USD-7,044,000USD
    Net Working Capital162,353,000USD241,432,000USD68,720,000USD—————
    Unclassified Non Current Assets-95,611,000USD2,975,000USD——————
    Unclassified Current Liabilities-2,230,000USD2,455,000USD-88,702,000USD93,842,000USD————
    Unclassified Non Current Liabilities5,422,000USD8,399,000USD100,762,000USD—————
    Unclassified Equity229,296,000USD228,556,000USD74,832,000USD74,185,000USD—146,381,000USD146,249,000USD142,408,000USD
    Current Deferred Revenue—70,893,000USD73,102,000USD—————
    Other Assets——287,000USD2,994,000USD—294,931,000USD291,153,000USD258,012,000USD
    Cash And Equivalents——140,919,000USD110,732,000USD————
    Unclassified Current Assets———19,694,000USD————
    Short Term Investments—————4,682,000USD2,665,000USD2,093,999USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USD
    Total Assets347,734,000USD89,637,000USD625,570,000USD—160,765,000USD96,233,000USD
    Other Current Assets1,526,000USD-60,182,000USD-24,184,000USD—-111,797,000USD-58,731,000USD
    Total Liab93,578,000USD74,130,000USD554,705,000USD—154,214,000USD79,269,000USD
    Total Stockholder Equity254,156,000USD15,507,000USD70,865,000USD—6,551,000USD16,964,000USD
    Other Current Liab1,073,000USD-2,132,000USD-1,735,000USD———
    Common Stock91,000USD83,000USD80,000USD—75,000USD—
    Capital Stock91,000USD—————
    Retained Earnings25,418,000USD-57,331,000USD-92,503,000USD—-4,909,000USD16,821,000USD
    Cash305,372,000USD54,502,000USD15,055,000USD—101,725,000USD51,862,000USD
    Cash And Short Term Investments305,372,000USD54,502,000USD15,055,000USD—103,868,000USD52,353,000USD
    Total Current Assets325,821,000USD67,230,000USD270,996,000USD———
    Total Current Liabilities84,389,000USD56,376,000USD334,796,000USD———
    Current Deferred Revenue70,893,000USD—————
    Net Debt-298,127,000USD-46,151,000USD50,874,000USD—-79,409,000USD-51,124,000USD
    Short Term Debt2,413,000USD2,132,000USD1,735,000USD———
    Short Long Term Debt Total7,245,000USD8,351,000USD65,929,000USD—22,316,000USD738,000USD
    Net Receivables18,923,000USD5,680,000USD9,129,000USD—7,929,000USD6,378,000USD
    Accounts Payable7,555,000USD—————
    Property Plant Equipment Net17,546,000USD18,804,000USD17,357,000USD—6,367,000USD6,395,000USD
    Property Plant Equipment Gross31,493,000USD—————
    Common Stock Shares Outstanding90,913,540shares90,775,789shares90,775,789shares90,775,789shares90,775,789shares90,775,789shares
    Non Current Assets Total21,913,000USD—————
    Non Current Liabilities Total9,189,000USD—————
    Non Current Liabilities Other790,000USD—————
    Non Currrent Assets Other1,392,000USD-19,000,000USD-17,920,000USD—-9,551,000USD-8,396,000USD
    Net Working Capital241,432,000USD—————
    Unclassified Non Current Assets2,975,000USD—————
    Unclassified Current Liabilities2,455,000USD54,244,000USD333,061,000USD———
    Unclassified Non Current Liabilities8,399,000USD—————
    Unclassified Equity228,556,000USD72,755,000USD165,091,000USD—11,001,000USD—
    Other Assets—89,637,000USD625,570,000USD—160,765,000USD96,233,000USD
    Cash And Equivalents—54,502,000USD15,055,000USD———
    Long Term Debt—0USD58,146,000USD———
    Unclassified Current Assets—7,048,000USD246,812,000USD———
    Accumulated Other Comprehensive Income——-1,803,000USD—384,000USD143,000USD
    Short Term Investments————2,143,000USD491,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ3 20212021-09-30 · USD
    Net Income20,406,000USD21,172,000USD21,151,000USD21,663,000USD17,951,000USD11,700,000USD5,257,000USD-7,139,000USD
    Depreciation730,000USD594,000USD901,000USD730,000USD709,000USD435,000USD655,000USD343,000USD
    Stock Based Compensation740,000USD476,000USD731,000USD706,000USD723,000USD551,000USD1,471,000USD—
    Other Non Cash Items92,000USD-1,642,000USD93,000USD50,000USD—64,000USD—-1,334,999USD
    Change To Account Receivables-7,695,000USD-1,256,000USD-7,638,000USD4,965,000USD0USD943,000USD—21,960,000USD
    Change In Working Capital3,313,000USD-8,843,000USD5,909,000USD17,107,000USD2,729,000USD5,224,000USD6,516,000USD-8,237,000USD
    Total Cash From Operating Activities25,472,000USD11,281,000USD31,491,000USD37,754,000USD19,772,000USD19,918,000USD11,121,000USD-16,367,999USD
    Capital Expenditures-327,000USD-403,000USD-1,189,000USD-483,000USD-769,000USD-648,000USD-884,000USD-519,000USD
    Free Cash Flow25,145,000USD10,878,000USD30,302,000USD37,271,000USD19,003,000USD19,270,000USD10,237,000USD-16,887,000USD
    Investments-98,994,000USD———0USD———
    Total Cashflows From Investing Activities-99,321,000USD-403,000USD-1,189,000USD-483,000USD—-648,000USD—-1,080,000USD
    Total Cash From Financing Activities-57,000USD153,646,000USD0USD0USD0USD-2,994,000USD-388,000USD-2,546,000USD
    Change In Cash-73,991,000USD164,453,000USD30,187,000USD37,238,000USD18,992,000USD16,200,000USD9,824,000USD-19,991,000USD
    Begin Period Cash Flow305,372,000USD140,919,000USD110,732,000USD73,494,000USD54,502,000USD38,302,000USD28,478,000USD202,831,000USD
    End Period Cash Flow231,381,000USD305,372,000USD140,919,000USD110,732,000USD73,494,000USD54,502,000USD38,302,000USD182,840,000USD
    Other Cashflows From Investing Activities4,000USD—0USD0USD—-189,186,000USD——
    Other Cashflows From Financing Activities-57,000USD-1,069,000USD——————
    Net Borrowings—0USD0USD——-2,994,000USD0USD—
    Dividends Paid—0USD0USD——0USD0USD-2,542,000USD
    Sale Purchase Of Stock—-1,490,000USD0USD0USD—-103,404,000USD-388,000USD—
    Unclassified Financing Cash Flow—156,205,000USD———103,404,000USD——
    Unclassified Operating Cash Flow——2,706,000USD-2,502,000USD-2,340,000USD1,944,000USD-2,778,000USD—
    Unclassified Investing Cash Flow—————189,186,000USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USD
    Net Income82,749,000USD25,518,000USD12,700,000USD-38,560,000USD-12,424,000USD-6,911,000USD
    Depreciation2,934,000USD2,361,000USD2,202,000USD1,688,000USD1,103,000USD676,000USD
    Stock Based Compensation2,636,000USD—————
    Other Non Cash Items173,000USD148,231,000USD46,662,000USD2,205,000USD1,750,000USD3,195,000USD
    Change To Account Receivables-11,127,000USD-1,836,000USD-3,048,000USD2,606,000USD-2,297,000USD-3,883,000USD
    Change In Working Capital16,902,000USD15,801,000USD-2,195,000USD17,904,000USD39,954,000USD36,134,000USD
    Total Cash From Operating Activities100,298,000USD191,911,000USD59,369,000USD-16,763,000USD30,383,000USD33,094,000USD
    Capital Expenditures-2,844,000USD-3,334,000USD-3,247,000USD-3,453,999USD-1,486,000USD-2,454,000USD
    Free Cash Flow97,454,000USD188,577,000USD56,122,000USD-20,217,000USD28,897,000USD30,640,000USD
    Total Cashflows From Investing Activities-2,844,000USD-192,520,000USD-16,597,000USD-241,823,000USD-2,509,000USD-735,000USD
    Net Borrowings0USD—————
    Total Cash From Financing Activities153,646,000USD-6,398,000USD-7,124,000USD30,060,000USD21,987,000USD4,988,000USD
    Dividends Paid0USD-2,923,000USD-6,763,000USD-5,508,000USD——
    Sale Purchase Of Stock-1,490,000USD-100,481,000USD-352,000USD-406,000USD——
    Issuance Of Capital Stock156,205,000USD—————
    Change In Cash250,870,000USD39,447,000USD15,055,000USD-101,725,000USD49,863,000USD51,862,000USD
    Begin Period Cash Flow54,502,000USD15,055,000USD—101,725,000USD51,862,000USD—
    End Period Cash Flow305,372,000USD54,502,000USD15,055,000USD—101,725,000USD51,862,000USD
    Other Cashflows From Financing Activities-1,069,000USD0USD0USD17,994,000USD-9,000USD—
    Unclassified Operating Cash Flow-5,096,000USD—————
    Unclassified Financing Cash Flow156,205,000USD97,006,000USD—17,980,000USD21,996,000USD—
    Other Cashflows From Investing Activities—-189,186,000USD-13,350,000USD-238,369,000USD——
    Unclassified Investing Cash Flow————-1,023,000USD1,719,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    FY 2025Yearly · 2025-12-31ProductClaim Services31,154,000USD0001193125-26-076686
    FY 2025Yearly · 2025-12-31ProductTechnology Service9,458,000USD0001193125-26-076686
    FY 2025Yearly · 2025-12-31ProductUnderwriting And Management Services176,368,000USD0001193125-26-076686
    Q3 2025Quarterly · 2025-09-30ProductClaim Services8,030,000USD0001193125-25-315970
    Q3 2025Quarterly · 2025-09-30ProductTechnology Service2,257,000USD0001193125-25-315970
    Q3 2025Quarterly · 2025-09-30ProductUnderwriting And Management Services44,879,000USD0001193125-25-315970
    Q1 2025Quarterly · 2025-03-31ProductClaim Services6,829,000USD0001193125-26-211961
    Q1 2025Quarterly · 2025-03-31ProductTechnology Service2,328,000USD0001193125-26-211961
    Q1 2025Quarterly · 2025-03-31ProductUnderwriting And Management Services43,250,000USD0001193125-26-211961
    FY 2024Yearly · 2024-12-31ProductClaim Services30,777,000USD0001193125-26-076686
    FY 2024Yearly · 2024-12-31ProductTechnology Service7,798,000USD0001193125-26-076686
    FY 2024Yearly · 2024-12-31ProductUnderwriting And Management Services95,373,000USD0001193125-26-076686
    Q3 2024Quarterly · 2024-09-30ProductClaim Services5,418,000USD0001193125-25-315970
    Q3 2024Quarterly · 2024-09-30ProductTechnology Service1,634,000USD0001193125-25-315970
    Q3 2024Quarterly · 2024-09-30ProductUnderwriting And Management Services22,058,000USD0001193125-25-315970
    FY 2023Yearly · 2023-12-31ProductClaim Services19,911,000USD0001193125-26-076686
    FY 2023Yearly · 2023-12-31ProductTechnology Service7,012,000USD0001193125-26-076686
    FY 2023Yearly · 2023-12-31ProductUnderwriting And Management Services61,410,000USD0001193125-26-076686

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.