HIPO vs XZO
HIPO: A technology-powered insurance holding company that operates as a multi-carrier platform for MGAs, combining disciplined underwriting and advanced analytics across homeowners, commercial, and casualty lines. 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 | HIPO | XZO | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $27.98 | $15.88 | |
| Market cap as of 2026-07-23 | $728M | $1.4B | |
| P/E as of 2026-07-23 | 6.48 | 13.76 | HIPO lower |
| Net margin as of 2026-07-23 | +23.4% | +37.9% | XZO higher |
| Gross margin as of 2026-07-23 | n/a | +60.1% | |
| Operating margin as of 2026-07-23 | +24.4% | +48.1% | XZO higher |
| ROE as of 2026-07-23 | +26.7% | +62.1% | XZO higher |
| ROA as of 2026-07-23 | +5.8% | +38.5% | XZO higher |
| Debt / equity as of 2026-07-23 | 0.11 | 0.00 | XZO lower |
| Revenue growth (YoY) as of 2026-07-23 | +20.8% | +19.7% | HIPO higher |
| Revenue CAGR (3y) SEC XBRL | +57.6% | +56.7% | HIPO higher |
| Beta as of 2026-07-23 | 1.58 | 6.75 | |
| 1-year return as of 2026-07-22 close | +9.2% | -34.8% | HIPO higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
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.