XZO

Exzeo Group Inc

16.29

Nov 06 • 3:59 PM ET -0.94 (-5.46%)

16.29

Aftermarket • 7:30 PM ET 0.00 (0.00%)

Financial Insurance - Diversified USA Small NYSE

Peers: HCI ARX HIPO GWRE IGIC LMND CRVL SLDE UVE VRSK

| Held by: AVUV VTI IWM IWO VXF AVSC AVUS SCHA VTWO SCHB

Scroll to Statements

Index	RUT
Market Cap	1.46B
Enterprise Value	1.35B
Income	85.35M
Sales	221.82M
Book/sh	3.32
Cash/sh	1.30
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	354
IPO	Nov 05, 2025

P/E	16.93
Forward P/E	14.46
PEG	2.67
P/S	6.57
P/B	4.90
P/C	12.53
P/FCF	17.65
EV/EBITDA	12.33
EV/Sales	6.08
Quick Ratio	1.53
Current Ratio	1.53
Debt/Eq	0.02
LT Debt/Eq	0.01
Option/Short	No / Yes

EPS (ttm)	0.96
EPS next Y	1.13
EPS next Q	0.24
EPS this Y	-2.02%
EPS next Y	16.15%
EPS next 5Y	5.42%
EPS past 3/5Y	- -
Sales past 3/5Y	68.16% 59.02%
EPS Y/Y TTM	-
Sales Y/Y TTM	-
EPS Q/Q	12.00%
Sales Q/Q	0.04%
Earnings	Nov 04 AMC
EPS/Sales Surpr.	1.34% -1.28%

Insider Own	87.07%
Insider Trans	0.04%
Inst Own	7.14%
Inst Trans	-1.55%
ROA	29.44%
ROE	45.33%
ROIC	28.27%
Gross Margin	62.26%
Oper. Margin	48.01%
Profit Margin	38.48%
SMA20	-4.08%
SMA50	-0.20%
SMA200	2.61%
Trades

Shs Outstand	89.72M
Shs Float	11.65M
Short Float	14.56%
Short Ratio	5.46
Short Interest	1.70M
52W High	24.60 -33.78%
52W Low	12.36 31.80%
Volatility	8.01% 5.43%
ATR (14)	1.04
RSI (14)	46.13
Beta	0.45
Rel Volume	0.79
Avg Volume	310.48K
Volume	244,112

Perf Week	-8.89%
Perf Month	2.52%
Perf Quarter	2.58%
Perf Half Y	20.76%
Perf YTD	-32.82%
Perf Year	-14.49%
Perf 3Y	-
Perf 5Y	-
Perf 10Y	-
Recom	1.00
Target Price	25.25
Prev Close	17.23
Price	16.29
Change %	-5.46%

Consensus

Strong Buy

Avg. Price Target

$25.25

Implied Upside

+55.0%

Analysts3incl. previous ratings

Rating Distribution3 Buy · 0 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Dec 01, 2025	Initiated	WWilliam Blair	Outperform
Dec 01, 2025	Initiated	TTruist	Buy	$25	+53.5%
Dec 01, 2025	Initiated	CCitizens JMP	Mkt Outperform	$27	+65.7%

Nov-04-26 07:54PM	Exzeo Edges Past Estimates, But A Managed-Premium Cut And Sliding ARR Overshadow The Penny Beat (Earnings Whispers) +8.66% -10.86%
05:07PM	Exzeo: Q3 Earnings Snapshot (Associated Press)
03:15PM	Exzeo Announces Third Quarter 2026 Financial Results (Business Wire)
Oct-27-26 08:31PM	Exzeo's Flat Premium Guide Meets A Back-Loaded $1.55 Billion Target (Earnings Whispers) +6.09%
Oct-20-26 08:30AM	Exzeo Group Sets Third Quarter 2026 Earnings Call for Wednesday, November 4, 2026, at 5:45 p.m. ET (Business Wire)
04:15PM	Loading…
Aug-14-26 04:15PM	Exzeo Authorizes $25 Million Stock Repurchase Program (Business Wire)
Aug-07-26 01:12AM	Exzeo Group Inc (XZO) (Q2 2026) Earnings Call Highlights: Record EBITDA and Geico Partnership ... (GuruFocus.com)
Aug-06-26 05:22PM	Exzeo: Q2 Earnings Snapshot (Associated Press)
04:15PM	Exzeo Announces Second Quarter 2026 Financial Results (Business Wire)
08:30AM	Exzeo Group Launches Exzeo Ventures to Build the Next Generation of AI-Native Businesses (Business Wire)
Aug-05-26 09:30AM	Earnings To Watch: Exzeo Group Inc (XZO) Reports Q2 2026 Result (GuruFocus.com)
Jul-14-26 04:30PM	Exzeo Group Sets Second Quarter 2026 Earnings Call for Thursday, August 6, 2026, at 5:45 p.m. ET (Business Wire) -6.17%
May-26-26 08:00AM	Exzeo Announces New Stock Repurchase Program (Business Wire)
May-06-26 05:33PM	Exzeo: Q1 Earnings Snapshot (Associated Press) -19.28%
04:15PM	Exzeo Announces First Quarter 2026 Financial Results (Business Wire)
04:10PM	Loading…
04:10PM	Exzeo Launches WindForm Pro, Bringing AI-Driven Automation to Florida Wind Mitigation Requirements (Business Wire)
Apr-14-26 08:30AM	Exzeo Group Sets First Quarter 2026 Earnings Call for Wednesday, May 6, 2026, at 5:45 p.m. ET (Business Wire) +5.06%
Apr-09-26 04:30PM	Exzeo Group Sets 2026 Annual Meeting of Shareholders and Record Date (Business Wire)
Mar-01-26 03:05AM	Exzeo Group Q4 Earnings Call Highlights (MarketBeat)
Feb-25-26 05:29PM	Exzeo: Q4 Earnings Snapshot (Associated Press Finance)
04:58PM	Exzeo Announces Fourth Quarter and Full Year 2025 Financial Results (Business Wire)
04:14PM	Exzeo Announces Strategic Partnership with Tokio Marine Highland To Offer Primary Residential Flood Insurance Program (Business Wire)
Feb-04-26 04:30PM	Exzeo Group Sets Fourth Quarter and Full Year 2025 Earnings Call for Wednesday, February 25, 2026, at 5:45 p.m. ET (Business Wire)
Dec-19-25 02:53PM	IPO Stock Of The Week: Insurance Software Leader Exzeo Approaches First Buy Point (Investor's Business Daily) +5.82%
Dec-10-25 04:15PM	Exzeo Announces Third Quarter 2025 Financial Results (Business Wire) +10.72%
Nov-26-25 08:30AM	Exzeo Group Sets Third Quarter 2025 Earnings Call for Wednesday, December 10, 2025, at 4:45 p.m. ET (Business Wire)
Nov-24-25 08:55AM	NYSE Content Advisory: Pre-Market Update + Exzeo Celebrates Recent IPO (PR Newswire) +16.67%
Nov-06-25 04:15PM	Exzeo Group, Inc. Announces Closing of Initial Public Offering (Business Wire) -9.33%
Nov-04-25 06:40PM	Exzeo Group, Inc. Announces Pricing of Initial Public Offering (Business Wire)

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Patel Paresh	Chief Executive Officer	May 27 '26	Buy	13.67	2,000	27,340	1,672,013	May 28 04:15 PM
Patel Paresh	Chief Executive Officer	May 26 '26	Buy	13.26	2,000	26,520	1,670,013	May 27 04:15 PM
Patel Paresh	Chief Executive Officer	May 22 '26	Buy	12.92	2,000	25,840	1,668,013	May 26 04:15 PM
Patel Paresh	Chief Executive Officer	May 21 '26	Buy	12.82	2,000	25,640	1,666,013	May 22 04:15 PM
Patel Paresh	Chief Executive Officer	May 20 '26	Buy	13.33	2,000	26,660	1,664,013	May 21 04:15 PM
Patel Paresh	Chief Executive Officer	May 19 '26	Buy	13.69	2,000	27,380	1,662,013	May 20 04:15 PM
Patel Paresh	Chief Executive Officer	May 18 '26	Buy	13.93	2,000	27,860	1,660,013	May 19 04:15 PM
Patel Paresh	Chief Executive Officer	May 15 '26	Buy	13.68	2,000	27,355	1,658,013	May 18 04:15 PM
Patel Paresh	Chief Executive Officer	May 14 '26	Buy	13.75	2,000	27,500	1,656,013	May 15 04:15 PM
Patel Paresh	Chief Executive Officer	May 13 '26	Buy	13.55	2,000	27,100	1,654,013	May 14 04:15 PM
Patel Paresh	Chief Executive Officer	May 12 '26	Buy	13.85	2,000	27,700	1,652,013	May 13 04:15 PM
Patel Paresh	Chief Executive Officer	May 11 '26	Buy	13.99	2,000	27,980	1,650,013	May 12 04:15 PM
Patel Paresh	Chief Executive Officer	May 08 '26	Buy	13.52	2,000	27,040	1,648,013	May 11 04:15 PM
Patel Paresh	Chief Executive Officer	May 07 '26	Buy	15.11	2,000	30,220	1,646,013	May 08 04:14 PM
Patel Paresh	Chief Executive Officer	May 06 '26	Buy	17.31	2,000	34,627	1,644,013	May 07 04:15 PM
Patel Paresh	Chief Executive Officer	May 05 '26	Buy	17.11	2,000	34,220	1,642,013	May 06 04:15 PM
Patel Paresh	Chief Executive Officer	May 04 '26	Buy	16.56	2,000	33,129	1,640,013	May 05 04:15 PM
Patel Paresh	Chief Executive Officer	May 01 '26	Buy	16.53	2,000	33,060	1,638,013	May 04 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 30 '26	Buy	15.91	2,000	31,820	1,636,013	May 01 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 29 '26	Buy	16.22	2,000	32,440	1,634,013	Apr 30 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 28 '26	Buy	16.68	2,000	33,360	1,632,013	Apr 29 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 27 '26	Buy	16.88	2,000	33,760	1,630,013	Apr 28 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 24 '26	Buy	16.21	2,000	32,420	1,628,013	Apr 27 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 23 '26	Buy	16.62	2,000	33,240	1,626,013	Apr 24 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 22 '26	Buy	16.46	2,000	32,920	1,624,013	Apr 23 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 20 '26	Buy	17.48	2,000	34,960	1,620,013	Apr 22 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 21 '26	Buy	17.28	2,000	34,560	1,622,013	Apr 22 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 17 '26	Buy	16.94	2,000	33,880	1,618,013	Apr 20 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 16 '26	Buy	16.76	2,000	33,520	1,616,013	Apr 17 04:50 PM
Patel Paresh	Chief Executive Officer	Apr 15 '26	Buy	16.43	2,000	32,860	1,614,013	Apr 16 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 14 '26	Buy	16.15	2,000	32,302	1,612,013	Apr 15 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 13 '26	Buy	15.13	2,000	30,260	1,610,013	Apr 14 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 10 '26	Buy	15.38	2,000	30,760	1,608,013	Apr 13 04:45 PM
Patel Paresh	Chief Executive Officer	Apr 09 '26	Buy	15.74	2,000	31,480	1,606,013	Apr 10 04:16 PM
Patel Paresh	Chief Executive Officer	Apr 08 '26	Buy	15.05	2,000	30,100	1,604,013	Apr 09 04:16 PM
Patel Paresh	Chief Executive Officer	Apr 07 '26	Buy	14.22	2,000	28,440	1,602,013	Apr 08 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 06 '26	Buy	14.26	2,000	28,520	1,600,013	Apr 07 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 02 '26	Buy	13.79	2,000	27,580	1,598,013	Apr 03 04:15 PM
Patel Paresh	Chief Executive Officer	Apr 01 '26	Buy	14.94	2,000	29,880	1,596,013	Apr 02 04:16 PM
Patel Paresh	Chief Executive Officer	Mar 31 '26	Buy	14.44	2,000	28,880	1,594,013	Apr 01 04:16 PM
Patel Paresh	Chief Executive Officer	Mar 30 '26	Buy	14.08	2,000	28,160	1,592,013	Mar 31 04:15 PM
Patel Paresh	Chief Executive Officer	Mar 27 '26	Buy	13.89	2,000	27,780	1,590,013	Mar 30 05:30 PM
Patel Paresh	Chief Executive Officer	Mar 26 '26	Buy	14.52	2,000	29,040	1,588,013	Mar 27 04:16 PM
Patel Paresh	Chief Executive Officer	Mar 25 '26	Buy	14.81	2,000	29,620	1,586,013	Mar 26 04:15 PM
Macchiarola James J	Director	Mar 23 '26	Buy	15.12	4,000	60,480	140,000	Mar 24 04:16 PM
Patel Paresh	Chief Executive Officer	Mar 24 '26	Buy	14.99	2,000	29,980	1,584,013	Mar 24 04:15 PM
Patel Paresh	Chief Executive Officer	Mar 20 '26	Buy	15.50	2,000	31,000	1,580,013	Mar 23 04:14 PM
Patel Paresh	Chief Executive Officer	Mar 19 '26	Buy	15.36	2,000	30,720	1,578,013	Mar 23 04:14 PM
Patel Paresh	Chief Executive Officer	Mar 23 '26	Buy	14.93	2,000	29,860	1,582,013	Mar 23 04:14 PM
Patel Paresh	Chief Executive Officer	Mar 18 '26	Buy	16.30	2,000	32,600	1,576,013	Mar 18 04:29 PM
Patel Paresh	Chief Executive Officer	Mar 17 '26	Buy	15.68	2,000	31,360	1,574,013	Mar 18 04:29 PM
Lopes Robert A. Jr.	Director	Mar 09 '26	Buy	15.35	2,500	38,375	127,335	Mar 10 04:16 PM
Mitchell Kevin Andrew	President	Dec 18 '25	Buy	19.58	12,510	244,946	715,135	Dec 22 04:05 PM
Bulku Suela	Chief Financial Officer	Dec 18 '25	Buy	19.58	10,020	196,192	314,874	Dec 22 04:05 PM
Baker Brook Armstrong	General Counsel	Dec 18 '25	Buy	19.58	10,020	196,192	248,026	Dec 22 04:05 PM

Exzeo Group, Inc. operates as a provider of turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform includes nine highly configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. The company was founded by Paresh Patel in 2012 and is headquartered in Tampa, FL.

CEO & ChairmanMr. Pareshbhai Suryakant Patel

President & DirectorMr. Kevin Andrew Mitchell

Chief Financial OfficerMs. Suela Bulku

Chief Technology OfficerMr. Shawn McVeigh

Vice President of Investor RelationsMr. William Harry Broomall C.F.A.

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XZO

Exzeo Group Inc

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