Exzeo Group, Inc. Launches Initial Public Offering
TAMPA, Fla., Oct. 16, 2025 (GLOBE NEWSWIRE) -- HCI Group, Inc. (NYSE:HCI) today announced that its majority owned subsidiary, Exzeo Group, Inc., has launched its initial public offering (“IPO”) ...
Model output · Signal date 2026-11-03
Exzeo Group, Inc. (XZO) Stock Forecast Nov. 3, 2026
Analysis updated on Nov. 3, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE
Rating · 90D
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90-day forecast
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30-day forecast
Alpha
Rank in coverage
of 4891 stocks scored
Rank correlation · 90D
76.0%
Spearman, 170 dates
Market Cap
$1.65B
small-cap · #60 of 60 peers
Summary
Exzeo Group, Inc. (XZO) stock forecast summary
Our AI scores Exzeo Group, Inc. every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
Exzeo Group, Inc. is a small-cap company with a market capitalization of $1.65B. It ranks number 60 by market capitalization among the 60 Services-Prepackaged Software issuers in our coverage with a current forecast.
For XZO, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 76.0%, measured on 170 forecast dates between 2025-12-11 and 2026-08-05 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 53.0%, measured on 212 forecast dates between 2025-12-11 and 2026-10-02. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.9%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-30 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, XZO included.
Price
XZO price chart and AI forecast
Cross-section · 2026-10-30
How XZO ranks among 4891 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Fundamentals · 2026-06-30
Exzeo Group, Inc. (XZO) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Services-Prepackaged Software peers listed below that report each metric.
Valuation & Market
| Metric | XZO | Rank |
|---|---|---|
| Market Cap | $1.65B | 60/60 |
| P/E Ratio | 14.62x | 36/40 |
| P/B Ratio | 5.71x | 36/51 |
| EPS | $1.25 | – |
| Book Value/Share | $3.20 | – |
| Revenue/Share | $3.67 | – |
| FCF/Share | $1.53 | – |
Profitability & Margins
| Metric | XZO | Rank |
|---|---|---|
| ROE | 43.9% | 8/45 |
| ROA | 32.8% | 1/47 |
| ROIC | 54.2% | 2/54 |
| Gross Margin | 60.7% | 47/56 |
| Operating Margin | 48.3% | 1/59 |
| Net Margin | 38.3% | 4/49 |
| EBT Margin | 51.3% | 3/59 |
| Tax Rate | 25.3% | – |
Financial Health
| Metric | XZO | Rank |
|---|---|---|
| Current Ratio | 1.85x | 24/57 |
| D/E Ratio | 0.34x | 42/52 |
| Financial Leverage | 1.34x | 41/51 |
| Working Capital | $78M | 46/57 |
Cash Flow
| Metric | XZO | Rank |
|---|---|---|
| Operating Cash Flow | $141M | 55/59 |
| Free Cash Flow | $138M | 45/50 |
| Capital Spending | -$3M | 4/50 |
| FCF/Sales | 41.7% | 3/50 |
| CapEx/Sales | 1.0% | 24/50 |
Operational Efficiency
| Metric | XZO | Rank |
|---|---|---|
| Asset Turnover | 0.86x | 12/50 |
| Receivables Turnover | 185.0x | 1/50 |
| Fixed Assets Turnover | 33.9x | 21/49 |
| Days Sales Outstanding | 2 days | 50/50 |
| Payables Period | 3 days | 52/53 |
Income Statement
| Metric | XZO | Rank |
|---|---|---|
| Total Revenue | $330M | 53/53 |
| Operating Income | $160M | 31/59 |
| Net Income | $126M | 33/49 |
| R&D Expense | $14M | 59/59 |
| SG&A Expense | $27M | 58/58 |
| Cost of Goods Sold | $130M | 56/57 |
Dividend & Shareholder Information
| Metric | XZO | Rank |
|---|---|---|
| Shares Outstanding | 90M | – |
Balance Sheet Highlights (USD millions)
| Total Current Assets | $170M | 44.0% of assets |
| Cash & Short-term Investments | $137M | 35.4% of assets |
| Accounts Receivable | $2M | 0.5% of assets |
| Total Liabilities | $98M | 25.3% of assets |
| Short-term Debt | $91M | 23.5% of assets |
Quarterly Financial Reports
XZO quarterly financials and insider trading
Industry Peers · Services-Prepackaged Software
Exzeo Group, Inc. (XZO) industry peers
Companies classified under the same SEC industry code as Exzeo Group, Inc. (Services-Prepackaged Software): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| XZO Exzeo Group, Inc. | $1.65B | |
| MSFT Microsoft Corp | $3.87T | |
| PLTR Palantir Technologies Inc. | $421.47B | |
| ORCL Oracle Corp | $381.57B | |
| SAP Sap Se | $287.00B | |
| CRWD Crowdstrike Holdings, Inc. | $250.54B | |
| SHOP Shopify Inc. | $201.00B | |
| CRM Salesforce, Inc. | $182.87B | |
| NET Cloudflare, Inc. | $98.68B | |
| ADBE Adobe Inc. | $95.80B | |
| SNPS Synopsys Inc | $89.32B | |
| CDNS Cadence Design Systems Inc | $88.83B | |
| DDOG Datadog, Inc. | $84.48B | |
| NTES Netease, Inc. | $74.58B | |
| ADSK Autodesk, Inc. | $52.73B | |
| VEEV Veeva Systems Inc | $49.71B | |
| TEAM Atlassian Corp | $47.36B | |
| XYZ Block, Inc. | $45.79B | |
| OKTA Okta, Inc. | $36.40B | |
| TTWO Take Two Interactive Software Inc | $35.92B | |
| TWLO Twilio Inc | $31.88B | |
| RBLX Roblox Corp | $30.71B | |
| CRWV Coreweave, Inc. | $29.64B | |
| MDB Mongodb, Inc. | $27.02B | |
| RBRK Rubrik, Inc. | $23.77B | |
| PTC Ptc Inc. | $21.22B | |
| SSNC Ss&C Technologies Holdings Inc | $19.14B | |
| GEN Gen Digital Inc. | $17.63B | |
| NTNX Nutanix, Inc. | $17.50B | |
| TYL Tyler Technologies Inc | $16.15B | |
| CHKP Check Point Software Technologies Ltd | $16.06B | |
| MANH Manhattan Associates Inc | $14.81B | |
| DT Dynatrace, Inc. | $13.59B | |
| GWRE Guidewire Software, Inc. | $13.20B | |
| BSY Bentley Systems Inc | $12.36B | |
| PAYC Paycom Software, Inc. | $11.85B | |
| HUBS Hubspot Inc | $11.28B | |
| FIG Figma, Inc. | $11.21B | |
| SAIL Sailpoint, Inc. | $10.96B | |
| FROG Jfrog Ltd | $10.91B | |
| ESTC Elastic N.V. | $10.21B | |
| PCOR Procore Technologies, Inc. | $9.33B | |
| PCTY Paylocity Holding Corp | $9.08B | |
| NTSK Netskope Inc | $8.92B | |
| GTLB Gitlab Inc. | $8.72B | |
| DBX Dropbox, Inc. | $8.18B | |
| S Sentinelone, Inc. | $8.06B | |
| APPF Appfolio Inc | $7.93B | |
| TTAN Servicetitan, Inc. | $7.91B | |
| DSGX Descartes Systems Group Inc | $7.84B | |
| ZETA Zeta Global Holdings Corp. | $7.51B | |
| QLYS Qualys, Inc. | $7.28B | |
| GLBE Global-E Online Ltd. | $7.03B | |
| PATH Uipath, Inc. | $6.84B | |
| CVLT Commvault Systems Inc | $6.59B | |
| NICE Nice Ltd. | $6.42B | |
| NAVN Navan, Inc. | $6.17B | |
| DUOL Duolingo, Inc. | $6.16B | |
| BOX Box Inc | $5.90B | |
| KVYO Klaviyo, Inc. | $5.73B |
Where XZO sits on the market map
Technology · Services-Prepackaged Software
News
Exzeo Group, Inc. (XZO) stock news
Exzeo Group, Inc. (XZO) Q3 2025 Earnings Call Transcript
Good afternoon, and welcome to the Exzeo Group Third Quarter 2025 Earnings Call. My name is Mark, and I will be your conference operator. [Operator Instructions] Before we begin today's call, I would ...
Exzeo Group, Inc. (XZO) Q2 2026 Earnings Call Transcript
Hello, everyone. Thank you for joining us, and welcome to the Exzeo Group, Inc. Second Quarter 2026 Earnings Conference Call. [Operator Instructions] I would now like to hand the conference over to ...
FAQ
Exzeo Group, Inc. (XZO) stock forecast FAQ
What is the Exzeo Group, Inc. (XZO) stock forecast?
Our AI scores Exzeo Group, Inc. every trading day against every stock it covers. Create a free account and follow it to see its rating and price target.
How accurate are Exzeo Group, Inc. stock predictions?
For XZO, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 76.0%, measured on 170 forecast dates between 2025-12-11 and 2026-08-05 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 53.0%, measured on 212 forecast dates between 2025-12-11 and 2026-10-02. Across our coverage, the out-of-sample test on 4629 stocks from 2025-01-06 to 2026-08-04 produced a positive net return in 92.9% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Exzeo Group, Inc. forecasts updated?
Exzeo Group, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Nov. 3, 2026.
Which companies are Exzeo Group, Inc.'s industry peers?
60 issuers in our coverage, XZO included, share the SEC industry code Services-Prepackaged Software. The largest are: Microsoft Corp (MSFT), Palantir Technologies Inc. (PLTR), Oracle Corp (ORCL), Sap Se (SAP), Crowdstrike Holdings, Inc. (CRWD), Shopify Inc. (SHOP).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.