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XZOXZOFinancial Services · Insurance - Diversified

XZO Stock Forecast: Exzeo Group, Inc. Price Predictions for 2026-2027

Last close, 18 Sept 2026
$17
−0.18% on the day

The 3 Wall Street analysts covering Exzeo Group, Inc. hold a median 12-month price target of $26 — +57.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 4 of 100 as at 19 Sept 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.

Market cap
$1.5B
Ticker Nerd rank
4 / 100
Median analyst target
$26
Analysts covering
3
Revenue$57.8M+3.0% y/y
Operating income$28.5M
Net income$23.3M
Free cash flow$15.2M
Quarterly, 7 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+3.4%
1M
+2.6%
YTD
−31.7%
From high
−31.7%
From low
+32.0%
$13
$24
Range since 5 Nov 2025, adjusted closes · the dot is the last close
Ticker Nerd rank

XZO stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores Exzeo Group, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 19 Sept 2026
4 / 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Value
54
Revisions
47
Size
39
Growth
17
Issuance
10
Accruals
8
Momentum
6
Quality
4
Volatility
1

Value (54): The shares cost little relative to the profits and assets behind them — which can mean the market is too gloomy, or that the business really is in trouble.

Volatility (1): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs quant trader with fourteen years in markets.

Wall Street

XZO stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on XZO, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, since 5 Nov 2025Adjusted close, US dollars
$15$20$25Jan 26Apr 26Jul 26XZOHigh $27Median $26Low $25

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says3 analysts
3 Buy0 Hold0 Sell
Low $25Median $26High $27

The green dot is the last close — the median target sits +57.0% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
1 Dec 2025CitizensInitiatesMarket Outperform$27
1 Dec 2025CitizensInitiatesMarket Outperform—
1 Dec 2025Truist SecuritiesInitiatesBuy$25
1 Dec 2025William BlairInitiatesOutperform—
1 Dec 2025William BlairInitiatesOutperform—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

Computed off the Friday close and sent before the US open.

Market Radar reports the week’s largest rank changes across roughly 4,600 US stocks, the factor behind each one, and where the market went. XZO appears on the weeks it earns a place.

Free, every Monday. Unsubscribe any time.

Performance

XZO vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

XZO vs S&P 500, last 12 monthsTotal return, rebased to 100
60708090100110120Jan 26Apr 26Jul 26XZOS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

XZO analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingNext fiscal year
EPS revision, 90 days
0.0%
Analysts raising
1
Analysts cutting
0
Fundamentals

Exzeo Group, Inc. (XZO) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
16.1×

Cheaper than 44% of US stocks

Price / sales
6.5×

Cheaper than 20% of US stocks

Price / book
5.5×

Cheaper than 18% of US stocks

EV / EBITDA
11.4×

Cheaper than 33% of US stocks

Growth & margins
Revenue growth (YoY)
6.9%

Higher than 44% of US stocks

Earnings growth (YoY)
7.4%

Higher than 44% of US stocks

Gross margin
63.7%

Higher than 77% of US stocks

Operating margin
51.7%

Higher than 97% of US stocks

Net margin
37.7%

Higher than 94% of US stocks

Returns & dividend
Return on equity
50.4%

Higher than 93% of US stocks

Return on assets
26.6%

Higher than 99% of US stocks

Dividend yield
—

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

Exzeo Group, Inc. (XZO) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • Exzeo Group, Inc. has a market value of $1.5B and an enterprise value of $1.4B.

  • Revenue in the twelve months to 30 June 2026: $221.8M. The latest quarter grew 6.9% year on year.

  • Net income over the same four quarters: $86.8M, a 39.1% net margin.

  • Diluted earnings per share, trailing twelve months: $0.96.

  • Free cash flow in the twelve months to 30 June 2026: $81.5M.

  • Shares outstanding: 90.2M.

  • Trailing P/E: 16.1×; forward P/E: 14.4× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Exzeo Group, Inc. employs 354 people — $627K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 19 Sept 2026

Data provided by Twelve Data

Peers

XZO vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelInsurance - Diversified
CompanyMarket capTKN rank
XZOExzeo Group, Inc.$1.5B
4
PLGOPelagos Insurance Capital Ltd.$2.0B
79
IGICInternational General Insurance Holdings Ltd.$1.1B
47
TFINTriumph Financial, Inc.*$1.5B
44
ESQEsquire Financial Holdings, Inc.*$1.5B
63
LKFNLakeland Financial Corp. (Indiana)*$1.5B
62
SAFTSafety Insurance Group, Inc.*$1.5B
37

* Nearest Financial Services names by size — few insurance - diversified companies of this scale trade in the US universe.

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own Exzeo Group, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest XZO news & analysis

Exzeo Group: Remaking The Insurance Industry With More Potential Upside From AI Initiatives

Seeking Alpha · 25 Aug 2026positive

Seeking Alpha rated Exzeo Group a strong buy, citing robust revenue and margin expansion driven by scalable software solutions, with a conservative DCF-derived price target of $20.38. Third-party revenue is growing rapidly but remains only 2.9% of the total, highlighting customer concentration risk with HCI, which owns 81.5% of shares.

Why it matters — A XZO watcher would care because the article highlights both the company's strong financial performance and its concentrated customer base, which affects the stock's risk profile.

Exzeo Authorizes $25 Million Stock Repurchase Program

Business Wire · 14 Aug 2026positive

Exzeo Group, Inc. announced that its Board of Directors has authorized a program to repurchase up to $25 million of the company's common shares, subject to market conditions. The repurchases may be made periodically through open market purchases, block transactions, privately negotiated transactions, or other means, including a trading program under Rule 10b5-1.

Why it matters — A $25 million share repurchase authorization signals a potential return of capital to shareholders, which XZO watchers would monitor for its effect on the company's outstanding share count.

Exzeo Group Q2 Earnings Call Highlights

MarketBeat · 9 Aug 2026positive

Exzeo Group reported second-quarter 2026 results that exceeded its guidance, with higher managed premium, revenue, and pre-tax income. The company also outlined continued expansion of its insurance platform and the launch of an internal artificial intelligence initiative.

Why it matters — XZO watchers would care because the company beat its own guidance while signalling ongoing growth through platform expansion and a new AI initiative, indicating continued operational momentum.

Exzeo Group, Inc. (XZO) Q2 2026 Earnings Call Transcript

Seeking Alpha · 6 Aug 2026neutral

Exzeo Group, Inc. (XZO) held its Q2 2026 earnings call, and a transcript of the call was published on Seeking Alpha. The item covers the company's second-quarter fiscal 2026 earnings discussion.

Why it matters — XZO watchers would care because the earnings call transcript is a primary source for management's discussion of the company's latest quarterly financial results.

Exzeo Announces Second Quarter 2026 Financial Results

Business Wire · 6 Aug 2026positive

Exzeo Group, Inc. announced its financial results for the second quarter ended June 30, 2026. Management highlighted the quality of its financial model and the growing traction of the Exzeo Platform, which it is expanding through new carrier relationships, broader product offerings, and enhanced capabilities.

Why it matters — A XZO watcher would care because the results indicate positive momentum in the Exzeo Platform, with expansion through new carrier relationships and a broader product portfolio.

FAQ

Frequently asked questions about XZO stock

What is the XZO stock price forecast for 2026-2027?

The 3 Wall Street analysts covering Exzeo Group, Inc. have a median 12-month price target of $26, with estimates ranging from $25 to $27. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is XZO stock a buy right now?

Of the 3 analysts covering Exzeo Group, Inc., 3 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Exzeo Group, Inc. 4 out of 100 across roughly 4,600 US stocks as at 19 Sept 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank XZO?

As at 19 Sept 2026, Exzeo Group, Inc. ranks 4 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Value (54 of 100).

Will XZO stock go up?

No one can know that. What the data says: the median 12-month target from 3 analysts implies +57.0% from the last close, and Ticker Nerd's factor model ranks Exzeo Group, Inc. 4 out of 100 as at 19 Sept 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the XZO stock forecast for 2030?

No analyst covering Exzeo Group, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for XZO are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $25 to $27 over the next 12 months.

What does Exzeo Group, Inc. do?

Exzeo Group, Inc. is a technology company focused on the property and casualty insurance sector, with particular strength in the homeowners market.

What is the latest news on XZO?

The most recent item we track (Seeking Alpha, 25 Aug 2026): "Exzeo Group: Remaking The Insurance Industry With More Potential Upside From AI Initiatives". Seeking Alpha rated Exzeo Group a strong buy, citing robust revenue and margin expansion driven by scalable software solutions, with a conservative DCF-derived price target of $20.38. Third-party revenue is growing rapidly but remains only 2.9% of the total, highlighting customer concentration risk with HCI, which owns 81.5% of shares.

Company

About Exzeo Group, Inc.

Exzeo Group, Inc. is a technology company focused on the property and casualty insurance sector, with particular strength in the homeowners market. The company provides turnkey insurance technology and operations solutions through its Insurance-as-a-Service platform, which supports key functions such as quoting and underwriting, policy management, claims administration, data reporting, and financial reporting. Its software and analytics tools are designed to help insurance carriers and their agents streamline workflows, automate administrative tasks, and manage core insurance operations more efficiently. Exzeo Group also designs, markets, underwrites, and administers insurance contracts for carrier partners, giving it a role across both technology and operational services. Headquartered in Tampa, Florida, Exzeo Group serves the insurance value chain with integrated digital tools that support carriers, agents, and policyholders in the U.S. market.

CEO Mr. Pareshbhai Suryakant Patel · 354 employees · United States · https://www.exzeo.com