AII vs XZO
AII: A Florida-focused specialty residential property insurer with two decades of expertise navigating hurricane-prone coastal markets and expanding into southeastern states. XZO: Exzeo is a managing general agent and InsurTech platform providing underwriting, policy administration, and claims services for property and casualty insurance, primarily serving related insurance entities.
Side-by-side fundamentals
| Metric | AII | XZO | Edge |
|---|---|---|---|
| Price as of 2026-07-23 close | $17.95 | $14.90 | |
| Market cap as of 2026-07-24 | $355M | $1.4B | |
| P/E as of 2026-07-24 | 4.36 | 13.82 | AII lower |
| Net margin as of 2026-07-24 | +27.6% | +37.9% | XZO higher |
| Gross margin as of 2026-07-24 | n/a | +60.1% | |
| Operating margin as of 2026-07-24 | +33.6% | +48.1% | XZO higher |
| ROE as of 2026-07-24 | +25.3% | +62.1% | XZO higher |
| ROA as of 2026-07-24 | +6.0% | +38.5% | XZO higher |
| Debt / equity as of 2026-07-24 | 0.00 | 0.00 | XZO lower |
| Revenue growth (YoY) as of 2026-07-24 | +26.5% | +19.7% | AII higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +56.7% | |
| Beta as of 2026-07-24 | 0.38 | 6.75 | |
| 1-year return as of 2026-07-23 close | +3.6% | -34.5% | AII higher |
Fundamentals: Finnhub, as of 2026-07-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-23.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.