EXZEO GROUP INC (XZO)
Financials · Insurance Services / Managing General Agent (MGA) · NYSE
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.
What EXZEO GROUP INC does
Exzeo Group, Inc. operates as a managing general agent (MGA) and Insurance-as-a-Service (IaaS) platform, providing underwriting, policy administration, claims management, and related insurance services. The company serves as a managing general agent under MGA agreements, delivering technology-enabled solutions to insurance carriers and risk management entities. Exzeo operates through wholly owned subsidiaries including Exzeo Insurance Services (EIS), Tailrow Insurance Exchange, and various claims management entities. A significant portion of revenue is derived from related-party transactions with HCI Group, Inc., its controlling shareholder.
Themes: InsurTech, P&C insurance technology, claims management automation, SaaS / IaaS
Fundamentals
- Price$16.87 as of 2026-08-21 close
- Market cap$1.5B as of 2026-08-21
- P/E13.53 as of 2026-08-24
- Net margin+37.9% as of 2026-08-24
- Gross margin+60.1% as of 2026-08-24
- ROE+62.1% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+19.7% as of 2026-08-24
- Revenue CAGR (3y)+56.7% SEC XBRL
- Beta6.75 as of 2026-08-24
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How XZO compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- net profit margintop 10% 538 covered Financials peers, as of 2026-08-24
- operating margintop 10% 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitytop 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How EXZEO GROUP INC looks technically
EXZEO GROUP INC (XZO): there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 58, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-07-13, pushing above its recent trading range. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move.
Trend
7
| Distance from the 200-day | not enough price history yet — needs 200 trading sessions | n/a |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $15.82 | $15.82 |
| 200-day moving average | not enough price history yet — needs 200 trading sessions | n/a |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Since the 50/200 cross | not enough price history yet — needs 200 trading sessions | n/a |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend | 14.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 58, neither overbought (above 70) nor oversold (below 30) | 57.8 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($15.04 to $17.32) — its "stochastic" reading is 80 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 80.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 2 trading days ago (its momentum flipped positive) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $24.60 | $24.60 |
|---|---|---|
| From the 52-week high | it is 31.4% below its 52-week high (its highest price of the past year) | -31.4% |
| Above the 52-week low | it is 36.5% above its 52-week low (its lowest price of the past year) | +36.5% |
| Below the 52-week high | it is 31.4% below its highest point of the past year | 31.4% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-07-13, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 35 trading days ago | 35 sessions |
| All-time high | its highest closing price on record is $24.60 | $24.60 |
| Given back of the 52-week move | not available for this company yet | n/a |
| From the all-time high | it is 31.4% below its all-time high | -31.4% |
| Nearest price level | not enough price history yet — needs 252 trading sessions | n/a |
| All-time low | its lowest closing price on record is $12.36 | $12.36 |
| Above the all-time low | it is 36.5% above its all-time low | +36.5% |
Volatility
4
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 4% of the past ~6 months), which often precedes a bigger move | 4th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8785 between its high and its low — about 5.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8785 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $15.13 and $16.82 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $15.13 – $15.98 – $16.82 |
| Typical daily range (% of price) | its price moves about 5.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 5.2% |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.11× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
|---|
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Open gap | it gapped 2.6% above the previous close 40 sessions ago and has not traded back through the level it left behind at 14.43 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.6% |
| Gap filled | a 2.1% gap up opened on 2026-08-11 has been "filled" 8 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 8 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 2 sessions in a row, a +4.98% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 2 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 4.4 percentage points (the stock gained 6.7% while the market gained 2.3%) | +4.4% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 27.4 percentage points (the stock gained 30.5% while the market gained 3.1%) | +27.4% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 5.0 percentage points (the stock gained 6.0% while the market gained 11.1%) | -5.0% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 3 of the 7 technical signals we can compute for it are currently in a bullish state: a fresh 20-day high, MACD momentum is positive, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 3 of 7 |
|---|---|---|
| Bearish technical signals | 2 of the 7 technical signals we can compute for it are currently in a bearish state: lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 2 of 7 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.8% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 5.2% of the share price. | +0.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $16.01 — a volume-weighted average of daily closes over 150 sessions, not a true tick-by-tick VWAP. | +5.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $15.90 — a volume-weighted average of daily closes over 12 sessions, not a true tick-by-tick VWAP. | +6.1% |
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · At the top of its 14-day range (stochastic above 80) · Trading above the Ichimoku cloud | Learn: adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.33 mean, 1=Strong Buy…5=Strong Sell) — 2 analysts
- Mean price target$26.00 range $25.00 – $27.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for XZO
- Consensus EPS estimate$0.26 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["High reliance on revenue from the controlling shareholder, HCI Group, and its subsidiaries.","Exposure to cybersecurity threats and potential data breaches.","Dependence on the regulatory environment and market stability of the property and casualty insurance industry."]
Insider activity (SEC Form 4)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days.
- Last 90 days1 buy ($27340) · 0 sells — 1 buying insider
- Last 180 days48 buys ($1M) · 0 sells — 1 buying insider
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-05-27. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about XZO's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding XZO as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 612,218
- Reported value $8,981,239
reported quarterly holdings change (2025-12-31 → 2026-03-31): 4 new, 0 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
XZO had 599,238 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
XZO had 0.67% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.72 days to cover at the same settlement.
- Reported short interest (shares) 599,238
- Short interest (% of shares outstanding) 0.67%
- Prior settlement (shares) 641,656
- Reported change -6.61%
- Days to cover (reported) 4.72
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Guidewire Software (GWRE)
- Duck Creek Technologies
- Ebix (EBIX)
- Verisk Analytics (VRSK)
- Applied Systems
- Majesco
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does EXZEO GROUP INC (XZO) do?
Exzeo Group, Inc. operates as a managing general agent (MGA) and Insurance-as-a-Service (IaaS) platform, providing underwriting, policy administration, claims management, and related insurance services. The company serves as a managing general agent under MGA agreements, delivering technology-enabled solutions to insurance carriers and risk management entities.
What sector is EXZEO GROUP INC (XZO) in?
EXZEO GROUP INC (XZO) is classified in the Financials sector. Its industry is Insurance Services / Managing General Agent (MGA). It trades on NYSE.
Who are EXZEO GROUP INC's (XZO) competitors?
Notable peers of EXZEO GROUP INC (XZO) include Guidewire Software, Duck Creek Technologies, Ebix, Verisk Analytics and Applied Systems. This peer set is informational only — not financial advice.
Is EXZEO GROUP INC (XZO) overbought or oversold right now?
EXZEO GROUP INC (XZO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 58, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on XZO come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.