XZO Exzeo Group, Inc. Common Stock

NYSE · Insurance · View on SEC EDGAR ↗
$15.95
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$12–$25
29% of range
Analyst Rating
BUY
7 analysts
Price Target
$26
+63% upside
P/E (TTM)
16.1
ROE
61.4%
Net Profit Margin
38.1%

XZO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$15.95
Market Cap
$1.45B
P/E (TTM)
16.1
EPS (TTM)
$0.99
Revenue (TTM)
$217M
Div Yield
—
ROE
61.4%
Debt/Equity
—
52W Range
$12 – $25

XZO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $217M
3-point trend, +145.6%
2023-12-31 → 2025-12-31
EPS $0.99
3-point trend, +560.0%
2023-12-31 → 2025-12-31
Free Cash Flow $97M
2025-12-31 → 2025-12-31
Margins 38.1%
2025-12-31 → 2025-12-31

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
XZO
Peer Median
P/E (TTM)
16.1
13.8
P/S (TTM)
6.7
1.1
P/B
5.7
1.9
Price / FCF
14.9
—

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
XZO
Peer Median
Gross Margin
60.4%
38.3%
Operating Margin
48.9%
—
Net Profit Margin
38.1%
11.5%
ROA
37.9%
3.6%
ROE
61.4%
15.0%
ROIC
31.3%
—

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
XZO
Peer Median
Current Ratio
3.9
0.3
Quick Ratio
3.7
—

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
XZO
Peer Median
Revenue YoY
3-point trend, +145.6%
62.0%
—
EPS YoY
3-point trend, +560.0%
125.0%
—
Net Income YoY
3-point trend, +285.6%
82.6%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
XZO
Peer Median
EPS (Diluted)
3-point trend, +560.0%
$0.99
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
XZO
Peer Median

XZO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

BUY 7 analysts
  • Strong Buy 2 28.6%
  • Buy 4 57.1%
  • Hold 1 14.3%
  • Sell 0 0.0%
  • Strong Sell 0 0.0%

12-Month Price Target

2 analysts · 2026-08-15
Median target $26.00 +63.0%
Mean target $26.00 +63.0%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.03%
Period EPS Actual EPS Est Surprise
June 30, 2026 $0.26 $0.24 0.02%
March 31, 2026 $0.22 $0.21 0.01%
Dec. 31, 2025 $0.25 $0.18 0.07%

Peer comparison (GICS sub-industry) Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
XZO $2.20B 24.5 62.0% 38.1% 61.4% 60.4%
SLDE $2.42B 5.8 36.5% 38.4% 57.4% —
HCI $2.49B 8.4 20.1% 33.2% 40.0% —
STC $2.12B 17.3 17.3% 4.0% 7.6% —
KMPR — — — — — —
SAFT — 11.6 12.8% 7.8% 11.2% —
UFCS $928M 8.1 10.6% 8.5% 13.7% —
TRUP $1.62B 83.0 11.9% — — —
UVE $947M 5.3 5.5% 11.4% 36.3% —
ASIC $1.01B 13.3 23.4% 17.4% 14.6% —
BOW $936M 17.9 29.6% 9.8% 13.1% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 15
Annual Income Statement data for XZO
Metric Trend 20252024
Revenue 2-point trend, +62.0% $217M $134M
Cost of Revenue 2-point trend, +6.5% $86M $81M
Gross Profit 2-point trend, +146.2% $131M $53M
R&D Expense 2-point trend, +35.6% $9M $7M
SG&A Expense 2-point trend, +88.5% $16M $8M
Operating Expenses 2-point trend, +64.8% $25M $15M
Operating Income 2-point trend, +178.8% $106M $38M
Pretax Income 2-point trend, +213.0% $110M $35M
Income Tax 2-point trend, +200.4% $28M $9M
Net Income 2-point trend, +82.6% $83M $45M
EPS (Basic) 2-point trend, +125.0% $0.99 $0.44
EPS (Diluted) 2-point trend, +125.0% $0.99 $0.44
Shares (Basic) 2-point trend, +3.5% 80,171,000 77,494,000
Shares (Diluted) 2-point trend, +3.5% 80,171,000 77,494,000
EBITDA $108M ·
Balance Sheet 23
Annual Balance Sheet data for XZO
Metric Trend 20252024
Cash & Equivalents 2-point trend, +460.3% $305M $55M
Receivables 2-point trend, +2906000.00 $3M $0
Prepaid Expense 2-point trend, +143.5% $1M $609.0K
Other Current Assets 2-point trend, +2.4% $43.0K $42.0K
Current Assets 2-point trend, +384.6% $326M $67M
PP&E (Net) 2-point trend, -0.8% $11M $11M
PP&E (Gross) 2-point trend, +12.7% $25M $22M
Accum. Depreciation 2-point trend, +25.9% $14M $11M
Other Non-current Assets $274.0K ·
Total Assets 2-point trend, +288.8% $348M $89M
Accounts Payable 2-point trend, +38.2% $3M $2M
Current Liabilities 2-point trend, +49.7% $84M $56M
Capital Leases 2-point trend, -22.3% $5M $6M
Deferred Tax 2-point trend, -100.0% $0 $2M
Other Non-current Liabilities $790.0K ·
Total Liabilities 2-point trend, +26.6% $94M $74M
Common Stock 2-point trend, +9.6% $91.0K $83.0K
Paid-in Capital 2-point trend, +214.3% $229M $73M
Retained Earnings 2-point trend, +144.3% $25M $-57M
AOCI Flat — no change across 2 periods $0 $0
Stockholders' Equity 2-point trend, +1539.0% $254M $16M
Liabilities + Equity 2-point trend, +288.8% $348M $89M
Shares Outstanding 2-point trend, +9.8% 90,926,720 82,810,089
Cash Flow 13
Annual Cash Flow data for XZO
Metric Trend 20252024
D&A 2-point trend, +8.3% $2M $2M
Stock-based Comp 2-point trend, -22.0% $3M $3M
Deferred Tax 2-point trend, -434.2% $-5M $2M
Other Non-cash $18M ·
Operating Cash Flow 2-point trend, +103.6% $100M $49M
CapEx 2-point trend, -14.7% $3M $3M
Net Debt Issued $0 ·
Stock Repurchased 2-point trend, +209.8% $1M $481.0K
Net Stock Activity $-1M ·
Financing Cash Flow 2-point trend, +2501.5% $154M $-6M
Net Change in Cash 2-point trend, +3636.4% $251M $-7M
Taxes Paid 2-point trend, +131.6% $32M $14M
Free Cash Flow $97M ·
Profitability 8
Annual Profitability data for XZO
Metric Trend 20252024
Gross Margin 60.4% ·
Operating Margin 48.9% ·
Net Margin 38.1% ·
Pretax Margin 50.8% ·
EBITDA Margin 50.0% ·
ROA 37.9% ·
ROE 61.4% ·
ROIC 31.3% ·
Liquidity & Solvency 2
Annual Liquidity & Solvency data for XZO
Metric Trend 20252024
Current Ratio 3.9 ·
Quick Ratio 3.7 ·
Efficiency 2
Annual Efficiency data for XZO
Metric Trend 20252024
Asset Turnover 1.0 ·
Receivables Turnover 149.3 ·
Per Share 5
Annual Per Share data for XZO
Metric Trend 20252024
Book Value / Share $2.80 ·
Revenue / Share $2.71 ·
Cash Flow / Share $1.25 ·
Cash / Share $3.36 ·
EPS (TTM) $0.99 ·
Growth Rates 3
Annual Growth Rates data for XZO
Metric Trend 20252024
Revenue YoY 2-point trend, +20.0% 62.0% 51.6%
EPS YoY 2-point trend, -35.3% 125.0% 193.3%
Net Income YoY 2-point trend, -25.7% 82.6% 111.2%
Valuation (TTM) 10
Annual Valuation (TTM) data for XZO
Metric Trend 20252024
Revenue TTM $217M ·
Net Income TTM $83M ·
Market Cap $2.20B ·
P/E 24.5 ·
P/S 10.2 ·
P/B 8.7 ·
P / Tangible Book 8.7 ·
P / Cash Flow 22.0 ·
P / FCF 22.6 ·
Earnings Yield 4.1% ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-31
Revenue $217M$134M$88M
Gross Margin % 60.4%——
Operating Margin % 48.9%——
Net Income $83M$45M$21M
Diluted EPS $0.99$0.44$0.15
Balance Sheet
2025-12-312024-12-312023-12-31
Current Ratio 3.9——
Quick Ratio 3.7——
Cash Flow
2025-12-312024-12-312023-12-31
Free Cash Flow $97M——

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Institutional owners (13F) 86 filers · $72.9M total · As of June 30, 2026

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
35 (-1 vs prior Q) 11 (-2 vs prior Q) 21 (+8 vs prior Q) 22 (+9 vs prior Q) -801K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
AMERICAN CENTURY COMPANIES INC $10,169,742 602,830 13.94% Shares
Whetstone Capital Advisors, LLC $9,135,847 541,544 12.53% Shares
JENNISON ASSOCIATES LLC $6,762,980 400,888 9.27% Shares
ESSEX INVESTMENT MANAGEMENT CO LLC $4,533,036 268,704 6.22% Shares
FJ Capital Management LLC $3,775,304 223,788 5.18% Shares
CITADEL ADVISORS LLC $2,729,768 161,812 3.74% Shares
STATE STREET CORP $2,530,551 150,003 3.47% Shares
JACOBS LEVY EQUITY MANAGEMENT, INC $2,360,299 139,911 3.24% Shares
Nuveen, LLC $2,307,310 136,770 3.16% Shares
TWO SIGMA INVESTMENTS, LP $2,044,914 121,216 2.80% Shares
Ionic Capital Management LLC $1,958,219 116,077 2.68% Shares
GOLDMAN SACHS GROUP INC $1,955,992 115,945 2.68% Shares
VICTORY CAPITAL MANAGEMENT INC $1,762,544 104,478 2.42% Shares
Atom Investors LP $1,654,238 98,058 2.27% Shares
Alden Global Capital LLC $1,653,344 98,005 2.27% Shares
GEODE CAPITAL MANAGEMENT, LLC $1,640,270 97,230 2.25% Shares
RENAISSANCE TECHNOLOGIES LLC $1,212,582 71,878 1.66% Shares
Boston Partners $1,147,130 67,998 1.57% Shares
BNP PARIBAS FINANCIAL MARKETS $1,145,473 67,900 1.57% Shares
Trexquant Investment LP $1,069,204 63,379 1.47% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $957,676 56,768 1.31% Shares
Balyasny Asset Management L.P. $871,133 51,638 1.19% Shares
TUDOR INVESTMENT CORP ET AL $829,144 49,149 1.14% Shares
STRS OHIO $784,455 46,500 1.08% Shares
SEI INVESTMENTS CO $759,437 45,017 1.04% Shares
FEDERATED HERMES, INC. $691,670 41,000 0.95% Shares
MARSHALL WACE, LLP $689,510 40,872 0.95% Shares
Sidoxia Capital Management, LLC $646,442 38,319 0.89% Shares
State of Wyoming $539,638 31,988 0.74% Shares
PARSONS CAPITAL MANAGEMENT INC/RI $421,750 25,000 0.58% Shares
Creative Planning $386,407 22,905 0.53% Shares
BANK OF AMERICA CORP /DE/ $366,079 21,700 0.50% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $333,064 19,743 0.46% Shares
Qube Research & Technologies Ltd $308,873 18,309 0.42% Shares
Cornerstone Investment Partners, LLC $303,002 17,961 0.42% Shares
JANE STREET GROUP, LLC $288,224 17,085 0.40% Shares
Engineers Gate Manager LP $271,658 16,103 0.37% Shares
JANUS HENDERSON GROUP PLC $250,417 17,070 0.34% Shares
XTX Topco Ltd $205,122 12,159 0.28% Shares
CAPTRUST FINANCIAL ADVISORS $199,758 11,841 0.27% Shares
D. E. Shaw & Co., Inc. $171,568 10,170 0.24% Shares
Centiva Capital, LP $168,987 10,017 0.23% Shares
VANGUARD FIDUCIARY TRUST CO $130,540 7,738 0.18% Shares
WELLS FARGO & COMPANY/MN $126,525 7,500 0.17% Shares
RHUMBLINE ADVISERS $90,402 5,359 0.12% Shares
Bank of New York Mellon Corp $89,681 5,316 0.12% Shares
NEW YORK STATE COMMON RETIREMENT FUND $72,541 4,300 0.10% Shares
CITIGROUP INC $68,863 4,082 0.09% Shares
MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. $63,887 3,787 0.09% Shares
JPMORGAN CHASE & CO $58,089 3,409 0.08% Shares
Police & Firemen's Retirement System of New Jersey $44,183 2,619 0.06% Shares
BlackRock, Inc. $39,341 2,332 0.05% Shares
Tower Research Capital LLC (TRC) $19,384 1,149 0.03% Shares
NORTHERN TRUST CORP $18,017 1,068 0.02% Shares
BARCLAYS PLC $17,933 1,063 0.02% Shares
FMR LLC $14,188 841 0.02% Shares
MERCER GLOBAL ADVISORS INC /ADV $13,412 795 0.02% Shares
Legal & General Group Plc $10,771 640 0.01% Shares
Ameritas Investment Partners, Inc. $10,628 630 0.01% Shares
Arax Advisory Partners $8,671 514 0.01% Shares
Aster Capital Management (DIFC) Ltd $7,642 453 0.01% Shares
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM $6,352 433 0.01% Shares
MORGAN STANLEY $5,415 321 0.01% Shares
ROYAL BANK OF CANADA $4,000 242 0.01% Shares
JONES FINANCIAL COMPANIES LLLP $3,871 243 0.01% Shares
DEUTSCHE BANK AG\ $3,728 221 0.01% Shares
Allworth Financial LP $2,177 129 0.00% Shares
UBS Group AG $1,687 100 0.00% Shares
IFP Advisors, Inc $1,670 99 0.00% Shares
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ $1,485 88 0.00% Shares
Integrated Wealth Concepts LLC $1,182 70 0.00% Shares
AQR CAPITAL MANAGEMENT LLC $1,080 64 0.00% Shares
SJS Investment Consulting Inc. $1,080 64 0.00% Shares
HRT FINANCIAL LP $898 53,275 0.00% Shares
Farther Finance Advisors, LLC $760 45 0.00% Shares
Essential Partners LLC $675 40 0.00% Shares
EverSource Wealth Advisors, LLC $540 32 0.00% Shares
ROTHSCHILD INVESTMENT LLC $523 31 0.00% Shares
Sterling Capital Management LLC $489 29 0.00% Shares
Russell Investments Group, Ltd. $270 16 0.00% Shares
Clearstead Advisors, LLC $237 14 0.00% Shares
Caitong International Asset Management Co., Ltd $135 8 0.00% Shares
True Wealth Design, LLC $85 5 0.00% Shares
Quantbot Technologies LP $17 1 0.00% Shares
Wealth Enhancement Trust Services, Inc. $17 1 0.00% Shares
Covestor Ltd $1 35 0.00% Shares

Company insiders 8 insiders · 4 officers · 6 directors

Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Paresh Patel Chief Executive Officer May 27, 2026 P 1,672,013 58 0 $2,530,606
Suela Bulku Chief Financial Officer Dec. 18, 2025 P 314,874 2 0 $217,192
Kevin Andrew Mitchell President Dec. 18, 2025 P 715,135 2 0 $265,946
Brook Armstrong Baker General Counsel Dec. 18, 2025 P 248,026 2 0 $217,192
James J Macchiarola Director March 23, 2026 P 140,000 2 0 $480,480
Robert A. Lopes Jr. Director March 9, 2026 P 127,335 2 0 $248,375
Irene Hurst Director Nov. 6, 2025 P 109,500 1 0 $42,000
Loreen M Spencer Director Nov. 6, 2025 P 110,000 1 0 $84,000

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 16 ETFs

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
OMFS · Invesco Exchange-Traded Self-Indexe… 0.02% 4,579 SH Aug. 8, 2026 Daily
AVSC · AMERICAN CENTURY ETF TRUST 0.02% 35,675 NS May 31, 2026 N-PORT
AVUV · AMERICAN CENTURY ETF TRUST 0.01% 211,494 NS May 31, 2026 N-PORT
VTWG · VANGUARD SCOTTSDALE FUNDS 0.01% 8,903 SH Aug. 8, 2026 Daily
IWO · iShares Trust 0.01% 75,348 SH Aug. 8, 2026 Daily
ISCG · iShares Trust 0.01% 4,795 SH Aug. 8, 2026 Daily
IWM · iShares Trust 0.00% 210,026 SH Aug. 8, 2026 Daily
ISCB · iShares Trust 0.00% 682 SH Aug. 8, 2026 Daily
RSSL · Global X Funds 0.00% 3,305 NS April 30, 2026 N-PORT
ITWO · ProShares Trust 0.00% 362 NS May 31, 2026 N-PORT
AVUS · AMERICAN CENTURY ETF TRUST 0.00% 18,082 NS May 31, 2026 N-PORT
UWM · ProShares Trust 0.00% 283 NS May 31, 2026 N-PORT
URTY · ProShares Trust 0.00% 287 NS May 31, 2026 N-PORT
HDG · ProShares Trust 0.00% 7 NS May 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.00% 47,039 SH Aug. 8, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 826 SH Aug. 8, 2026 Daily