Exzeo Group, Inc. (XZO)
NYSEFinancialsInsurance - DiversifiedSnapshot 2026-09-04
NYSEFinancialsInsurance - DiversifiedSnapshot 2026-09-04
Research Workspace
Put XZO beside peers and holdings, graph the same metric, and keep your notes with the evidence.
Daily closes. Earnings/event dots are placed inline.
Industries move in repeating boom-and-bust cycles. This shows where this stock’s industry sits in that cycle, stage by stage (recovery → expansion → supercycle → steady → deceleration → contraction), from its fundamentals (orders, revenue, capital spending), not the stock’s price.
A booming industry is a tailwind for the names in it; a contracting one is a headwind. Companies in the same industry tend to rise and fall together with the cycle, the way a tide lifts and lowers every boat in the harbor at once, so a large part of a stock’s swing can come from where its industry sits rather than from the company itself. It’s context for reading the company’s results, not a buy/sell call. Full explanation →
Financials is in steady. Describes the industry's cycle state, not a call on this stock.
The stage band shows the industry’s cycle over the chart’s timeline (each color a stage); a ▼ marks a quarter its growth inflected down — amber is an unconfirmed watch, red is confirmed the next quarter. Use “Overlay cycle on chart” to tint the price chart by stage. The industry’s fundamentals, not a signal on this stock.
Recent financial performance freshly dropped to the bottom half of its industry.
View ThesisManagement screens strong on capital allocation, earnings delivery.
View ManagementExpectations look high — the market is pricing in about 51% growth a year, above the roughly 13% analysts expect, leaving little room for error.
View ValuationThis stock is highly volatile — it swings about 2% on a typical day and fell roughly 48% in its worst 12-month stretch.
View RiskXZO's growth in AI initiatives and share buyback programs must continue to justify its price. Revenue growth has been steady, with the latest earnings beat showing an EPS of 0.26. It trades at 5.1× P/B versus a peer median of 1.3×, indicating the market prices in more growth than we forecast. The recent financial performance has dropped to the bottom half of its industry, marking a significant risk. Peer multiples imply a price about 51% below where it trades. This read is provisional.
Trailing returns as of 2026-09-04. XZO is total return (includes dividends); the S&P 500 benchmark is price return (the index excludes dividends).
Based on 3 analysts currently covering XZO (as of Sep 2026).
Analyst ratings and price targets are third-party Wall Street estimates, not QuarterlyIQ’s view. Not investment advice.
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Compare XZO with peers and holdings, graph the same reported metric, keep your questions beside the evidence, and return when the facts change.
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| Compare | Company | Living FV | P/E | Revenue % | Quality |
|---|---|---|---|---|---|
| XZO Selected company | Graph | Compare | Trend | Review | |
| Peer Add a competitor | Graph | Compare | Trend | Review | |
| Holding Compare a holding | Graph | Compare | Trend | Review |
Selected metric trend
Quarterly · checked companies · value or % of revenue
A consensus fair price across 10 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
A price-focused, side-by-side fair-value read versus Multi-line Insurance — fair value, gap to price, and forward P/E.
Compare the value case
Put XZO next to peers and holdings, compare Living FV and multiples, then graph the driver behind the difference.
Advances: Advance product innovation and platform expansion
AI initiatives enhance product innovation and platform expansion.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
End-of-day figures as of 2026-09-04. EPS is implied from price ÷ P/E. Not investment advice.
A long-thesis check that carries the widest uncertainty of the three horizons.
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.

Advances: Share repurchase program authorization
Share buyback supports capital allocation and shareholder value.

Advances: Share buyback program of $12 million
Buyback program supports capital allocation objective.
Advances: Share buyback program of $12 million
Authorization of buyback aligns with capital allocation strategy.