Is Exzeo Group, Inc. (XZO) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Diversified | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 100.0% | |
| Operating Margin | 52.1% | |
| Net Margin | 37.4% | |
| Return on Equity (ROE) | 61.4% | |
| Return on Assets (ROA) | 31.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $100M |
| Free Cash Flow | $97M |
| Total Debt | $7M |
| Debt-to-Equity | 2.9 |
| Current Ratio | 3.9 |
| Total Assets | $348M |
Price & Trading
| Last Close | $14.00 |
| 50-Day MA | $17.08 |
| 200-Day MA | $18.33 |
| Avg Volume | 181K |
|
52-Week Range
$12.91
| |
About Exzeo Group, Inc. (XZO)
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. is a subsidiary of HCI Group, Inc.
Related Halal Stocks in Financial Services
Frequently Asked Questions
Is Exzeo Group, Inc. (XZO) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Exzeo Group, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Exzeo Group, Inc.'s debt ratio?
Exzeo Group, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Exzeo Group, Inc.'s key financial metrics?
Exzeo Group, Inc. has a market capitalization of $1.2B, trailing P/E ratio of 13.9, and revenue of $217M. The company maintains a gross margin of 100.0% and a net margin of 37.4%. Return on equity stands at 61.4%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.