Exzeo Group, Inc. (XZO)
NYSE · Services-Prepackaged Software · Services · CIK 1873951 · fiscal year ends in Dec
Closing price $17.71 on 29 Oct 2026; 52-week range $12.55 to $24.25.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $221.8M
- Net income, last twelve months
- $86.8M
- Earnings per share
- $0.98
- Gross margin
- 62.3%
- Operating margin
- 48.5%
- Net margin
- 39.1%
- Return on equity
- 30.1%
- Market value
- $1.6B
- Price to earnings
- 18.1x
- Cash
- $136.7M
- Debt
- $0
- Debt to equity
- 0.00
- Shares outstanding
- 90.2M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $217.0M | $106.0M | $82.7M | $0.99 | $97.5M | 10-K filed 26 Feb 2026 |
| FY2024 | 31 Dec 2024 | $133.9M | $38.0M | $45.3M | $0.44 | $188.6M | 10-K filed 26 Feb 2026 |
| FY2023 | 31 Dec 2023 | $88.3M | $2.6M | $21.5M | $0.15 | $56.1M | 10-K filed 26 Feb 2026 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $57.8M | $23.3M | $0.26 |
| Q1 FY2026 | 31 Mar 2026 | $55.5M | $20.4M | $0.22 |
| Q4 FY2025 | 31 Dec 2025 | $53.3M | $22.0M | $0.25 |
| Q3 FY2025 | 30 Sep 2025 | $55.2M | $21.2M | $0.25 |
| Q2 FY2025 | 30 Jun 2025 | $56.1M | $21.7M | $0.26 |
| Q1 FY2025 | 31 Mar 2025 | $52.4M | $18.0M | $0.22 |
| Q3 FY2024 | 30 Sep 2024 | $29.1M | $5.3M | $0.06 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By product, FY2025
| Segment | Revenue | Share |
|---|---|---|
| Underwriting and Management Services | $176.4M | 81.3% |
| Claim Services | $31.2M | 14.4% |
| Other Technology Services | $9.5M | 4.4% |
Company events
The newest 8-K filings of 11 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 14 Aug 2026 | 8-K | Other events | 8.01, 9.01 |
| 6 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 10 Jun 2026 | 8-K | Shareholder vote | 5.07 |
| 26 May 2026 | 8-K | Other events | 8.01, 9.01 |
| 6 May 2026 | 8-K | Results | 2.02, 9.01 |
| 25 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 22 Dec 2025 | 8-K | Leadership change | 5.02 |
| 22 Dec 2025 | 8-K | Investor update | 7.01 |
| 10 Dec 2025 | 8-K | Results | 2.02 |
| 7 Nov 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 6 Nov 2025 | 8-K | Material agreement, Bylaws or fiscal year change, Investor update | 1.01, 5.03, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 35 held.
| Filed | Form | Period |
|---|---|---|
| 14 Aug 2026 | 8-K | 14 Aug 2026 |
| 7 Aug 2026 | 10-Q | 30 Jun 2026 |
| 6 Aug 2026 | 8-K | 6 Aug 2026 |
| 10 Jun 2026 | 8-K | 9 Jun 2026 |
| 26 May 2026 | 8-K | 26 May 2026 |
| 15 May 2026 | 10-Q/A | 31 Mar 2026 |
| 7 May 2026 | 10-Q | 31 Mar 2026 |
| 6 May 2026 | 8-K | 6 May 2026 |
| 29 Apr 2026 | ARS | 31 Dec 2025 |
| 29 Apr 2026 | DEFA14A | – |
| 29 Apr 2026 | DEF 14A | 9 Jun 2026 |
| 26 Feb 2026 | 10-K | 31 Dec 2025 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 27 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.67 | $27.3K | 1,672,013 | 28 May 2026 |
| 26 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.26 | $26.5K | 1,670,013 | 27 May 2026 |
| 22 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $12.92 | $25.8K | 1,668,013 | 26 May 2026 |
| 21 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $12.82 | $25.6K | 1,666,013 | 22 May 2026 |
| 20 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.33 | $26.7K | 1,664,013 | 21 May 2026 |
| 19 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.69 | $27.4K | 1,662,013 | 20 May 2026 |
| 18 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.93 | $27.9K | 1,660,013 | 19 May 2026 |
| 15 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 500 | $13.55 | $6.8K | 1,656,513 | 18 May 2026 |
| 15 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 1,500 | $13.72 | $20.6K | 1,658,013 | 18 May 2026 |
| 14 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.75 | $27.5K | 1,656,013 | 15 May 2026 |
| 13 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.55 | $27.1K | 1,654,013 | 14 May 2026 |
| 12 May 2026 | Patel Paresh, Chief Executive Officer | Purchase | 2,000 | $13.85 | $27.7K | 1,652,013 | 13 May 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 13 Feb 2026 | Paresh Patel | 13G | 6.86% | 6.6M |
| 13 Feb 2026 | HCI Group, Inc. | 13G | 82.6% | 75.0M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 1.7M | -14.29% | 3.83 |
| 30 Sep 2026 | 2.0M | +28.1% | 4.81 |
| 15 Sep 2026 | 1.5M | +25.87% | 6.76 |
| 31 Aug 2026 | 1.2M | +44.23% | 6.32 |
| 14 Aug 2026 | 851.0K | +42.01% | 4.39 |
| 31 Jul 2026 | 599.2K | -6.61% | 4.72 |
| 15 Jul 2026 | 641.7K | -23.8% | 3.14 |
| 30 Jun 2026 | 842.1K | +9.64% | 3.36 |
Funds that hold it
From each fund's latest Form 13F.
96 funds held it at 30 Jun 2026: 58 added and 22 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Jupiter Topco LLC | 728,237 | $12.3M | – |
| American Century Companies Inc. | 602,830 | $10.2M | +602,830 |
| Goldman Sachs Group Inc. | 571,335 | $9.6M | -32,938 |
| Jennison Associates LLC | 568,680 | $9.6M | -6,237 |
| Whetstone Capital Advisors, LLC | 541,544 | $9.1M | +130,191 |
| BlackRock, Inc. | 457,881 | $7.7M | +183,171 |
| Essex Investment Management Co. LLC | 268,704 | $4.5M | -19,407 |
| FJ Capital Management LLC | 223,788 | $3.8M | -458,652 |
| Citadel Advisors LLC | 172,700 | $2.9M | +58,952 |
| State Street Corp. | 150,003 | $2.5M | +94,820 |
Peers
Companies in the same industry.
- Microsoft Corp. (MSFT): revenue $346.4B, market value $3.94T
- Palantir Technologies Inc. (PLTR): revenue $6.2B, market value $471.9B
- Oracle Corp. (ORCL): revenue $71.8B, market value $422.1B
- SAP SE (SAP): revenue $41.6B, market value $273.2B
- CrowdStrike Holdings, Inc. (CRWD): revenue $5.4B, market value $267.5B
- Shopify Inc. (SHOP): revenue $13.3B, market value $216.7B
- Salesforce, Inc. (CRM): revenue $43.9B, market value $190.0B
- Snowflake Inc. (SNOW): revenue $5.4B, market value $116.3B
- ServiceNow, Inc. (NOW): revenue $15.4B, market value $113.8B
- Cloudflare, Inc. (NET): revenue $2.5B, market value $110.0B