Exzeo Group (XZO)
Delivers software and operations services to property-and-casualty insurers and their agents.
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Provides technology and operating services to property-and-casualty insurers and their agents. Premium-linked arrangements and technology and service fees support revenue, while relationships with HCI-related carriers remain a defining structural feature.
Turnkey technology and operating services support property-and-casualty insurers and their agents. The Exzeo Platform combines quoting and underwriting, policy administration, claims management, geospatial visualization, reporting and related services. Revenue comes from premium-linked arrangements as well as technology and service fees.
Exzeo Insurance Services handles claims processing, policyholder services and marketing, while Exzeo USA develops insurance software with an India development subsidiary. Customers have principally included HCI-related carriers, alongside efforts to add third-party carriers.
Majority ownership by HCI and the concentration of historical related-party relationships remain structural features. Demand depends on carrier policy volumes, especially homeowners insurance, and is shaped by insurance regulation, data privacy, cybersecurity and catastrophe-prone markets.
Company facts
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $136.7M · Total debt $6.6M · Total assets $385.8M · Shareholders' equity $288.2M
- Revenue
- $57.8M
- Operating income
- $28.5M
- Net income
- $23.3M
No dividends on record.
| Institutions | 7.09% | 6.44M shares | |
|---|---|---|---|
| 88 holders · as of Jun 30, 2026 | |||
| Insiders | 9.28% | 8.44M shares | |
| 8 holders · as of May 28, 2026 | |||
| Strategic holders | 82.49% | 75.00M shares | |
| 1 holder · as of Feb 13, 2026 | |||
| Other | 1.14% | 1.04M shares | |
| remainder | |||
90.92M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
HCI Group, Inc.Strategic10 percent owner | 82.49% | 75.00M | filed Feb 13, 2026 |
Paresh Patel1Insiderdirector, officer: Chief Executive Officer | 7.34% | 6.57M | filed May 28, 2026 |
Jupiter Topco LLCInstitution | 0.80% | 728,237 | as of Jun 30, 2026 |
Kevin Andrew MitchellInsiderdirector, officer: President | 0.79% | 715,135 | filed Dec 22, 2025 |
American Century Companies IncInstitution | 0.66% | 602,830 | as of Jun 30, 2026 |
- Paresh Patel's transaction reports restate only vehicles that traded; the 2026 ownership statement (6.57M) plus the 100.0K net shares acquired since is used instead.
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 27, 2026 | Paresh Patel | director, officer: Chief Executive Officer | +2,000 | $13.67 |
| May 26, 2026 | Paresh Patel | director, officer: Chief Executive Officer | +2,000 | $13.26 |
| May 22, 2026 | Paresh Patel | director, officer: Chief Executive Officer | +2,000 | $12.92 |
| May 21, 2026 | Paresh Patel | director, officer: Chief Executive Officer | +2,000 | $12.82 |
| May 20, 2026 | Paresh Patel | director, officer: Chief Executive Officer | +2,000 | $13.33 |
- Guidewire Software
P&C core-platform rival across policy, billing, underwriting, and claims
- CCC Intelligent Solutions
Claims-workflow platform rival, particularly in auto P&C
- Verisk Analytics
Insurance data and analytics rival in underwriting and claims
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Exzeo Group | $15.80 | −5.67% | $1.52B | 18.0 | 14.7 | 6.9 | +3.0% |
| Guidewire Software | $147.52 | −1.25% | $12.44B | 91.1 | 34.9 | 8.4 | +15.3% |
| CCC Intelligent Solutions | $6.52 | +0.23% | $3.83B | 98.8 | 13.3 | 3.4 | +9.8% |
| Verisk Analytics | $171.39 | −0.37% | $22.39B | 26.4 | 21.0 | 7.1 | +4.4% |
| Median | 91.1 | 21.0 | 7.1 | +9.8% |