What is Exzeo Group, Inc.'s Shariah compliance score?

Exzeo Group, Inc.'s (XZO) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Exzeo Group, Inc. pass AAOIFI screening?

Exzeo Group, Inc. (XZO) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (XZO: 0.5%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for Exzeo Group, Inc. stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the exact percentage and amount for Exzeo Group, Inc. (XZO) using the latest financial data.

Where can I screen Exzeo Group, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Exzeo Group, Inc. (XZO) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about XZO's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

XZO: Is Exzeo Group, Inc. Halal?

Exzeo Group, Inc.

NYSEFinancial ServicesUS

$17.13

-1.89%

Market Cap: 1.6B

Compliance Status

Not Halal

Screened on Sep 3, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Exzeo Group, Inc. (XZO) halal? Not Halal. Based on AAOIFI screening, Exzeo Group, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Exzeo Group, Inc. (XZO) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Sep 3, 2026. Source: https://halalscreener.app/en/stock/XZO

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

0.5% of 30.0% limit

What this means for you

Most scholars advise not holding XZO

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Exzeo Group, Inc.

Exzeo Group, Inc. offers complete technology and operational services tailored for insurance carriers and agents. The core of their offering is an Insurance-as-a-Service (IaaS) platform designed to streamline essential administrative and operational tasks. These capabilities encompass everything from accurate quoting and underwriting to efficient policy lifecycle management, rapid claims processing, and comprehensive data and financial reporting. The company specifically focuses on serving the property and casualty (P&C) insurance market. Founded in 2012 and based in Tampa, Florida, Exzeo Group, Inc. was formerly recognized as TypTap Insurance Group, Inc. It operates under the umbrella of its parent company, HCI Group, Inc.

Sector: Financial Services · Industry: Insurance - Diversified

Shariah Compliance Status

AAOIFI Standard 21Updated Sep 3, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Insurance - Diversified

Compliance History

Not Halalnow
since Apr 2026
Halal
before we began tracking

Tracked since Apr 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data source: EDGAR

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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SLVA+

iShares Silver Trust

$57.92

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

CEFA+

Sprott Physical Gold and Silver Trust

$43.28

+4.44%

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Frequently Asked Questions

Is Exzeo Group, Inc. (XZO) halal to invest in?

Exzeo Group, Inc. (XZO) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Exzeo Group, Inc. get a F compliance rating?

Exzeo Group, Inc. (XZO) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 0.5% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Exzeo Group, Inc.'s Shariah verdict?

Exzeo Group, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Exzeo Group, Inc. re-screened for Shariah compliance?

Exzeo Group, Inc. (XZO) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Sep 3, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.