EXZEO GROUP INC (XZO)
Financials · Insurance Technology (Insurtech) · NYSE
Exzeo Group delivers proprietary insurance-as-a-service technology and claims administration solutions to insurers and agents.
What EXZEO GROUP INC does
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions, primarily serving insurance carriers and their agents. The company offers a proprietary Infrastructure-as-a-Service (IaaS) platform that includes analytical models, policy administration, underwriting, and claims management services.
Themes: insurtech, claims management software, P&C insurance operations, insurance SaaS
Fundamentals
- Price$16.48 as of 2026-10-21 close
- Market cap$1.5B as of 2026-07-31 (share count; price 2026-10-21)
- P/E16.65 as of 2026-10-21
- Net margin+38.1% FY2025, SEC XBRL
- Gross margin+60.4% FY2025, SEC XBRL
- ROE+32.6% FY2025, SEC XBRL
- ROICn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Debt / equityn/a No figure: its filing tags none of the debt lines we read, which is not evidence of zero debt.
- Revenue growth (YoY)+62.0% FY2025, SEC XBRL
- Revenue CAGR (3y)+56.7% SEC XBRL
- Beta1.67 as of 2026-09-02
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How XZO compares in its sector
- price-to-earnings ratiomiddle range 487 covered Financials peers, as of 2026-10-21
- net profit margintop 25% 343 covered Financials peers, as of 2026-09-02
- operating margintop 10% 121 covered Financials peers, as of 2026-09-02
- gross marginmiddle range 31 covered Financials peers, as of 2026-09-02
- return on equitytop 10% 558 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRtop 10% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 430 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.
Quarterly results
| Quarter | Revenue | Gross profit | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | $58M | $37M | $28M | $23M | $0.26 | — | $209000† |
| Q1 FY2026 2026-03-31 | $56M | $33M | $25M | $20M | $0.22 | — | $327000 |
| Q4 FY2025 2025-12-31 | $53M† | $35M† | $27M† | $22M† | $0.26† | $11M† | — |
| Q3 FY2025 2025-09-30 | $55M | $34M | $27M | $21M | $0.25 | — | — |
| Q2 FY2025 2025-06-30 | $56M | $34M | $28M | $22M | $0.26 | — | $483000† |
| Q1 FY2025 2025-03-31 | $52M | $29M | $24M | $18M | $0.22 | — | $769000 |
| Q4 FY2024 2024-12-31 | $45M† | $19M† | $16M† | $12M† | $0.15† | $20M† | — |
| Q3 FY2024 2024-09-30 | $29M | $11M | $7M | $5M | $0.06 | — | — |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$137M
- Total debtnot shown the filing tags none of the debt lines we read — not evidence of zero debt
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How EXZEO GROUP INC looks technically
EXZEO GROUP INC (XZO) is trading 0.4% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average has held below its 200-day average for at least 31 trading days — a long-sustained "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, 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 9 trading days ago (its momentum flipped positive). It made a new 20-day low about 13 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 0.4% below its 200-day average, the long-term trend line — a long-term downtrend | -0.4% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $16.03 | $16.03 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $16.63 | $16.63 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 18 calendar days ago — the swings before that are what the structure reading is measured on | 18 sessions |
| Wave structure | its recent swings can be read as a completed three-part downward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes below 13.62. It is the only labelling that fits, and it describes the swings already printed, not what comes next. | possible three-wave downward correction, complete |
| Since the 50/200 cross | its 50-day average has held below its 200-day average for at least 31 trading days — a long-sustained "death cross", a bearish long-term signal | at least 31 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though buyers have been pushing harder than sellers lately — pressure, not a trend | 18.8 |
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) | 58.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the top of its 14-day range ($13.62 to $17.15) — its "stochastic" reading is 84 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 slipping within that range over the last few sessions. | 83.6 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 9 trading days ago (its momentum flipped positive) | 9 sessions |
Range
7
| Since a 20-day breakout | it made a new 20-day low about 13 trading days ago | 13 sessions |
|---|---|---|
| Since a 55-day breakout | it made a new 55-day low about 13 trading days ago | 13 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 |
| 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 34.1% above its all-time low | +34.1% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 44th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.7397 between its high and its low — about 4.5% 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 | $0.7397 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $14.08 and $16.99 — 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 | $14.08 – $15.54 – $16.99 |
| Typical daily range (% of price) | its price moves about 4.5% 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 | 4.5% |
| Stretch from the 200-day average | it is trading 0.1 daily ranges below its 200-day average price (0.4% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.1 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.77× |
|---|
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 | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-20 0.9% 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 | +0.9% |
|---|---|---|
| Gap filled | a 2.3% gap up opened on 2026-10-06 has been "filled" 10 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 10 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 0.9 percentage points (the stock gained 0.1% while the market gained 1.0%) | -0.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.0 percentage points (the stock gained 1.7% while the market gained 3.6%) | -2.0% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 12.9 percentage points (the stock lost 4.4% while the market gained 8.5%) | -12.9% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bullish state: MACD momentum is positive — these describe past price behaviour, not a forecast | 1 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 3.9% of the share price. | 0.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $15.97 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +3.8% |
|---|---|---|
| Vs the average paid since it last reported | the price is 4% 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 $15.88 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | +4.3% |
Wave structure
Its recent swings can be read as a three-part downward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes below $13.62.
It is the only labelling that fits these swings, though its proportions are not the textbook ones.
This reading has stood for 8 trading days, since 2026-10-09.
Read from daily closes as of 2026-10-20.
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: Trading below the 200-day moving average · Trading above the 50-day moving average · trendless / choppy (low ADX) · Printed a doji candle · At the top of its 14-day range (stochastic above 80) · Trading inside the Ichimoku cloud | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-20. 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 2026-10-21. 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 2026-10-21
- Estimate change, 30 days$0.00 (0.0%) from $0.26, on 2026-09-16, 35-day window
- Readings revised upward0% of 10 comparable readings
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)
["Concentration of revenue from a limited number of customers, including related parties.","Significant geographic concentration of managed premiums in Florida, making the business vulnerable to natural catastrophes.","Concentrated ownership by HCI Group, Inc. which limits shareholder influence and potential conflicts of interest."]
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 6 days since 2026-10-16 have not been checked yet.
- Last 180 days · read to 2026-10-1628 buys ($648551) · 0 sells — 1 buying insider
Most recent open-market transaction: 2026-05-27. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
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 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,026,003
- Reported value $17,308,671
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 2 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.
Ask about XZO's institutional holders → See what each manager we track holds →
Short interest (FINRA)
XZO had 1,978,984 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
XZO had 2.20% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.81 days to cover at the same settlement.
- Reported short interest (shares) 1,978,984
- Short interest (% of shares outstanding) 2.20%
- Prior settlement (shares) 1,544,860
- Reported change 28.1%
- Days to cover (reported) 4.81
Reported to FINRA as of the 2026-09-30 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.
EXZEO GROUP INC is found in…
Frequently asked questions
What does EXZEO GROUP INC (XZO) do?
Exzeo Group, Inc. provides turnkey insurance technology and operations solutions, primarily serving insurance carriers and their agents. The company offers a proprietary Infrastructure-as-a-Service (IaaS) platform that includes analytical models, policy administration, underwriting, and claims management services.
What sector is EXZEO GROUP INC (XZO) in?
EXZEO GROUP INC (XZO) is classified in the Financials sector. Its industry is Insurance Technology (Insurtech). It trades on NYSE.
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 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on XZO come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; 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: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.