Exzeo Group, Inc. (XZO) Stock Price & Analysis

Exzeo Group, Inc. (XZO) closed at USD 17 on Thursday, October 22, 2026, up 3.16% on the day. The US market is currently closed (pre-market); this is not a live price.

The prior close was USD 16.48; the Oct 22, 2026 session ranged USD 16.78–17.38 on volume of 317,238 shares. Market capitalization is $1.53B, with a 52-week range of USD 12.36–24.6 (NYQ). Source: Nexqual, retrieved October 23, 2026 at 11:04 UTC.

Also available as compact Markdown for AI agents: nexqual.com/XZO.md

Key facts (XZO)

• Last four reported quarters (through Jun 30, 2026): revenue $222M, net income $86.8M (39.1% margin), free cash flow $81.5M (SEC filings).
• Valuation: P/E 17.6x (avg 23.5x at the last 1 fiscal year-ends).
• Analysts: Buy (mean 1.67 on a 1–5 scale) (3 analysts), mean target USD 26 (range 25–27).
• Total return with dividends: 1Y -19.1% vs S&P 500 +14.9%; 5Y -12.3% vs S&P 500 +80.3%.
• Next earnings: 2026-11-04, EPS estimate USD 0.26, revenue estimate $55.4M.

Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (XZO)

Fiscal years end Dec. EPS is split-adjusted.

Valuation (price ÷ last four quarters, through Jun 30, 2026) (XZO)

P/E 17.6x · P/S 6.9x · P/FCF 18.8x · P/B 5.3x · FCF yield 5.32% · Earnings yield 5.67%

P/E at fiscal year-ends: Dec 2025 23.5x.

Analysts (XZO)

Consensus Buy (mean 1.67 on a 1–5 scale), 3 analysts; mean target USD 26 (low 25, high 27).

Total return (dividends reinvested) (XZO)

XZO revenue by product line (quarter ended Jun 30, 2026)

As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).

XZO suppliers, customers and competitors (named in its 10-K)

Quoted from the company's 10-K filed Feb 26, 2026.

XZO customer concentration

In the period ended Dec 31, 2024, a single direct customer accounted for 91% of revenue, per the company's 10-K filed Feb 26, 2026. The company does not name it.

XZO analyst estimates and revisions

Key Statistics (as of October 23, 2026 at 11:04 UTC)

Technical Analysis (XZO)

Nexqual's technical model rates XZO "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 23, 2026 at 11:04 UTC.

Analyst Ratings (XZO)

Wall Street analysts rate XZO "Buy" based on 3 analysts, with a mean price target of USD 26 (range USD 25–27), per Nexqual as of October 23, 2026 at 11:04 UTC.

Earnings (XZO)

Recent Earnings History

Source: Nexqual, October 23, 2026 at 11:04 UTC.

Financials & Fundamentals (XZO)

Source: Nexqual, October 23, 2026 at 11:04 UTC.

Financial Health Score (XZO)

Nexqual rates Exzeo Group, Inc.'s overall financial health "Strong" across five dimensions, as of October 23, 2026 at 11:04 UTC.

Ownership (XZO)

Source: Nexqual, October 23, 2026 at 11:04 UTC.

Leadership (XZO)

Exzeo Group, Inc. is led by Pareshbhai Suryakant Patel, CEO & Chairman, per Nexqual as of October 23, 2026 at 11:04 UTC.

Major Backers & Investors (XZO)

Notable institutional backers of Exzeo Group, Inc. include Jupiter Topco LLC, American Century Companies Inc, JANUS INVESTMENT FUND-Janus Henderson Venture Fund, according to Nexqual as of October 23, 2026 at 11:04 UTC.

Active Investors

Index Funds (Passive)

Source: Nexqual, October 23, 2026 at 11:04 UTC.

From Exzeo Group, Inc.'s Latest SEC 10-K Filing (filed 2026-02-26)

Key Strengths & Strategy (as disclosed to the SEC)

• The Exzeo Platform is a proprietary software, analytics, and visualization tools platform that can support, enhance, and/or replace legacy operational systems that are common across the insurance industry and are often inefficient or fragmented.
• The Exzeo Platform accumulates, verifies, and analyzes proprietary and third‑party data within its data warehouse to support timely and informed insurance decisions, including decisions that can be made without human underwriting input.
• We believe that carriers will increasingly look to adopt IaaS solutions, like the Exzeo Platform, that maximize efficiency of their systems, optimize underwriting outcomes and reduce operating expenses, while ultimately serving their customers more effectively.
• Other technology services are primarily derived from proprietary software solutions offered through SaaS, service agreements, with fees based on policy or claim volumes, fixed charges, or percentages of claims handled.

Legal & Regulatory Risks (Item 1A, quoted)

• We operate in a highly regulated environment, and any failure to comply with applicable insurance, data privacy, or other regulatory requirements could materially and adversely affect our business, financial condition, and results of operations.
• Regulatory scrutiny of delegated authority and claims administration functions may increase our regulatory compliance costs, limit our flexibility, and adversely affect our business.
• We are subject to stringent fiduciary duties with respect to insurance premium funds, and noncompliance could result in regulatory enforcement or reputational harm.
• We are subject to extensive and evolving data privacy and cybersecurity regulation, which could increase our compliance burden on exposure to liability.

Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.

Peers & Related Stocks

Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 23, 2026 at 11:04 UTC. This page is informational and not investment advice.

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