Stocks · Financial Services · Insurance - Diversified
Exzeo Group, Inc. XZO
$14.40 -0.28% Close, Oct 2, 2026 · NYSE · Market cap $1.31B
Weak trend
Next earnings report: Dec 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 5 quarters (average surprise over the last four: +32.4%).
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
- The stock is 41% below its highest close of the past year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth, 3-year CAGRTop 3%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 4%
- Gross marginBottom 39%
- Operating marginTop 8%
- Cash conversion (OCF / net income)Bottom 36%
- Accruals (lower is better)Bottom 24%
- Net debt / EBITDA (lower is better)Top 16%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 49%
- Free-cash-flow yieldBottom 40%
- EBITDA / enterprise valueTop 29%
- Sales / enterprise valueBottom 22%
Strength and persistence of the price trend, including versus the S&P 500.
- 6-month returnBottom 25%
- Distance from 52-week highBottom 10%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 9%
- Consecutive EPS beatsTop 24%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 13%
- Maximum drawdown, 3 yearsBottom 18%
- Net debt / EBITDA (lower is better)Top 16%
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Gross margin | 61.1% | — | Bottom 39% | |
| Operating margin | 48.5% | — | Top 8% | |
| Net margin | 39.1% | — | — | |
| Free-cash-flow margin | 36.8% | — | — | |
| Return on invested capital | 27.1% | — | Top 4% | |
| Revenue growth, 3-year CAGR | 68.2% | — | Top 3% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.96×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.0%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.09×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -11.05%
- Shareholder yield
- -11.05%
- Share count change, 1 year
- +0.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 5
- Beats in the last 8 reports
- 5 of 5
- Average EPS surprise, last 4
- +32.4%
- Average 2-day reaction, last 8
- +2.2%
- Positive 20 days after report
- 2 of 4
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +8.3% | +1.2% | -4.7% | +2.4% | — |
| May 6, 2026 | +10.0% | +0.2% | -20.2% | -24.1% | -10.0% |
| Feb 25, 2026 | +92.3% | +4.4% | +1.6% | -2.9% | -15.9% |
| Dec 10, 2025 | +19.0% | +3.2% | +9.9% | +26.6% | -12.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.26 | $0.24 | +8.3% | $57.8M |
| May 6, 2026 | $0.22 | $0.20 | +10.0% | $54.0M |
| Feb 25, 2026 | $0.25 | $0.13 | +92.3% | $51.0M |
| Dec 10, 2025 | $0.25 | $0.21 | +19.0% | $52.4M |
| Sep 3, 2025 | $0.28 | $0.24 | +16.7% | $56.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.5× | — | — | Bottom 49% |
| P/E (forward) | 14.5× | — | — | — |
| EV / EBITDA | 9.9× | — | — | Top 29% |
| EV / Sales | 5.32× | — | — | Bottom 22% |
| Free-cash-flow yield | 6.23% | — | — | Bottom 40% |
| Earnings yield | 6.46% | — | — | Bottom 49% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.4%
- 200-day average slope (20 days)
- -1.0%
- Distance from 50-day average
- -10.2%
- Distance from 200-day average
- -12.9%
- RSI (14)
- 32.7
- Relative volume
- 2.52×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 44.7%
- Current drawdown from 1-year high
- -40.6%
- Maximum drawdown, 3 years
- -48.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 31, 2025 | Jun 4, 2026 | -48.3% | 106 days | Not yet recovered |
| Nov 5, 2025 | Nov 20, 2025 | -34.4% | 11 days | 21 days (Dec 22, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.31B
- P/E (TTM)
- 15.5
- EPS, diluted (TTM)
- $0.93
- Revenue (TTM)
- $221.8M
- 52-week range
- $12.36 – $24.60
| FY 2020 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $51.7M | $45.6M | $88.3M | $133.9M | $217.0M |
| Gross profit | $2.1M | -$26.3M | $17.0M | $52.9M | $127.6M |
| Operating income | -$8.7M | -$37.8M | $2.6M | $38.0M | $106.0M |
| Net income | -$12.4M | -$54.7M | $20.8M | $44.1M | $82.7M |
| EPS (diluted) | -$0.14 | -$0.70 | $0.13 | $0.37 | $0.87 |
| Q2 2021 | Q3 2021 | Q4 2024 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.6M | $32.4M | $44.5M | $56.1M | $55.2M | $53.3M | $55.5M | $57.8M |
| Net income | -$3.2M | -$7.1M | $11.7M | $21.7M | $21.2M | $22.0M | $20.4M | $23.3M |
| EPS (diluted) | -$0.06 | -$0.10 | $0.13 | $0.24 | $0.22 | $0.23 | $0.22 | $0.26 |
| FY 2020 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $30.4M | -$16.8M | $59.4M | $191.9M | $100.3M |
| Capital expenditure | -$1.5M | -$3.5M | -$3.2M | -$3.3M | -$2.8M |
| Free cash flow | $28.9M | -$20.2M | $56.1M | $188.6M | $97.5M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $10,000 | -$406,000 | -$352,000 | -$100.5M | $154.7M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $136.7M
- Total assets
- $385.8M
- Total liabilities
- $97.6M
- Total debt
- $6.6M
- Net debt
- -$130.1M
- Shareholders’ equity
- $288.2M
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 1,544,860
- Days to cover
- 6.76
- Change vs previous report
- +25.9%
FINRA short interest, settlement date Sep 15, 2026.