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XZO

9/9 Score

Exzeo Group, Inc.

Analysis Date: May 12, 2026

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.

Buffettology Criteria

All 9 of 9 criteria passed

  • High ROE

    Return on Equity > 12%

    Value: 37.2%

  • High ROIC

    Return on Invested Capital > 9%

    Value: 25.0%

  • Cash Machine

    FCF / Assets > 5%

    Value: 0.28

  • Fair Valuation

    Earnings Yield > 3.5%

    Value: 5.8%

  • Share Buybacks

    Share Count is Dropping

    Value: 0.2%

  • Defensible Moat

    Gross Profit Margin > 40%

    Value: 56.3%

  • Simple Business

    Not in a speculative sector (e.g., Biotech)

    Value: Financial Services

  • Conservative Debt

    Debt to Equity < 1.5

    Value: 0.03x

  • Consistent Growth

    5-Year Growth is Positive

    Value: 7.7%

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