Exzeo Group stock
XZONYSEExzeo Group, Inc., Financial ServicesISIN US30234F1012
65Score 65 out of 100, Neutral
Price and trend
59 / 100
Price history
−15% in one yearThe chart shows daily closes over 1 year, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 2.3% above it.
Since October 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 45).
The price is 33% below its 52-week high. Largest decline in 1 year: 48% (December 2025 to June 2026).
Chart figures for advanced users
- SMA 50$16.29
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$15.78
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)45
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDbelow the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$12.55
- The lowest closing price of the last twelve months.
- Resistance$24.25
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Exzeo Group, Inc. belongs to the Insurance (Diversified) industry (United States) and, with a market value of $1.44B, is number 42 of 43 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $82.75M (up 87.6% year on year).
- MEQIRI Score 65 out of 100 (Neutral): rank 612 of 976 in Financial Services, median 68.
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- The P/E is 16.9 (Insurance (Diversified) median 13.9, own median of recent years 27.9).
- Our model puts fair value at $15.52, with the price 4% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 31.6% over the last 12 months.Profitability 94
Weaknesses
- Volatile share priceVolatility 62% a year over the last 12 months.Stability 66
Its standout strength is profitability.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 67 to 65.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansValuation
Valuation signal
Fairly valuedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $10.34 and expensive above $31.03 (uncertainty very high, based on the price swings of the past year).
The two parts of the fair value come to $17.78 (excess return model) and $13.25 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 8.8%. At 9.8% the fair value would be $14.03, at 7.8% it would be $17.74.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (13.9).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 6.5% on the twelve months before. Revenue has grown strongly since 2019, at around 59% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 49%, net 38%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 24 Feb 2027in 104 days
- Last reported
- 4 Nov 2026EPS reported $0.25 (expected $0.25)in line with expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- $0.97−2.3%
- Revenue
- $218.83M−2.2%
- Earnings per share
- $1.160.0%
- Revenue
- $252.33M−2.8%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −19.1%2026 guidance unchanged: pretax income of $115 million to $125 million; second quarter pretax income expected at $27 million to $30 million.
“For the full year 2026, we are leaving our guidance unchanged at between $115 million and $125 million. With respect to managed premium, we expect managed premium to remain stable in the second quarter at approximately $1.4 billion, consistent with the anticipated timing of growth across our existing client base.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 6 May 2026 (fiscal Q1 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
One insider bought on the open market in the last 6 months, $269,195 in total.
- Patel PareshPurchase
27 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.67
- Value
- $27,340
- Patel PareshPurchase
26 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.26
- Value
- $26,520
- Patel PareshPurchase
22 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $12.92
- Value
- $25,840
Show 7 more
- Patel PareshPurchase
21 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $12.82
- Value
- $25,640
- Patel PareshPurchase
20 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.33
- Value
- $26,660
- Patel PareshPurchase
19 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.69
- Value
- $27,380
- Patel PareshPurchase
18 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.93
- Value
- $27,860
- Patel PareshPurchase
15 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.68
- Value
- $27,355
- Patel PareshPurchase
14 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.75
- Value
- $27,500
- Patel PareshPurchase
13 May 2026, Chief Executive Officer
- Shares
- 2,000
- Price
- $13.55
- Value
- $27,100
Partial trades from one filing are shown in one row, with the average price.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Exzeo Group
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 65
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Insurance (Diversified)
The next larger and next smaller companies by market value
- White Mountains Insurance GroupWTM $5.39B76
- Porto SeguroPSSA3.SA $5.3B76
- Alm. BrandALMB.CO $3.54B63
- Genworth FinancialGNW $3.18B59
- Vaudoise Assurances HoldingVAHN.SW $2.64B60
- Pelagos Insurance CapitalPLGO $2.31B84
- NÜRNBERGER Beteiligungs-AGNBG6.DE $1.58B39
- International General Insurance HoldingsIGIC $998.82M74
ETFs that hold Exzeo Group
Held by 4 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.07% | 0.39% | €1.47B |
| L&G Russell 2000 US Small Cap Quality UCITS ETFETLZ | 0.03% | 0.30% | €185.82M |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.01% | 0.30% | €4.22B |
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| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.01% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral since 7 Nov 2026, previously Strong
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.