US · XZO
Exzeo Group, Inc.
- Sector
- Financial Services · Insurance - Diversified
- Headquarters
- Tampa, FL 33607
- Website
- exzeo.com
Price · as of 2025-12-31
$16.40
Market cap 1.52B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $1,427.90 | +8,606.71% |
| Intrinsic Value(DCF) | $10,936.98 | +66,588.9% |
| Graham-Dodd Method(GD) | — | — |
| Graham Formula(GF) | — | — |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $0.00 | $0.00 | |||
| 2021 | |||||
| 2022 | |||||
| 2023 | $0.81 | $17.36 | |||
| 2024 | $2.12 | $27.93 | |||
| 2025 | $16.10 | $1,427.90 | $117,874.25 |
AI valuation
Our deep-learning model estimates Exzeo Group, Inc.'s (XZO) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $1,427.90
- Current price
- $16.40
- AI upside
- +8,606.71%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$10,936.98
+66,588.9% upside
Graham-Dodd
—
— upside
Graham Formula
—
— upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| XZO | Exzeo Group, Inc. | $16.40 | 1.52B | +8,607% | +66,589% | — | — | 16.26 | — | — | — | 9.71 | — | 60.38% | 48.85% | 38.14% | 61.37% | -213.15% | 37.84% | 0.03 | — | 3.86 | 3.72 | -2.69 | 16757.00% | 6199.00% | -4832.00% | — | 1.19 | -261.22% | — | 0.00% | — | — | — | — | — |
About Exzeo Group, Inc.
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. operates as a subsidiary of HCI Group, Inc.
- CEO
- Pareshbhai Suryakant Patel
- Employees
- 0
- Beta
- 0.00
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($10,936.98 ÷ $16.40) − 1 = +66,588.9% (DCF, example).