XZOFinancial Services · Insurance - DiversifiedThe 3 Wall Street analysts covering Exzeo Group, Inc. hold a median 12-month price target of $26 — +34.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 3 of 100 as at 4 Nov 2026 — in the weakest quartile. The Street sees upside; the factor read is a caution. That gap is the story on this page.
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.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Value (53): 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.
Quality (2): Profits are thin or unreliable for the size of the business, or they are not turning into cash.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on XZO, reported as data — targets and ratings, the market's view beside the model's.
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
The green dot is the last close — the median target sits +34.5% from it.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 3 Nov 2026 | Truist Securities | Reiterates | Buy | $25 → $24 |
| 1 Dec 2025 | Citizens | Initiates | Market Outperform | $27 |
| 1 Dec 2025 | Citizens | Initiates | Market Outperform | — |
| 1 Dec 2025 | Truist Securities | Initiates | Buy | $25 |
| 1 Dec 2025 | William Blair | Initiates | Outperform | — |
| 1 Dec 2025 | William Blair | Initiates | Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
XZO appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 37% of US stocks
Cheaper than 17% of US stocks
Cheaper than 15% of US stocks
Cheaper than 27% of US stocks
Higher than 45% of US stocks
Higher than 45% of US stocks
Higher than 77% of US stocks
Higher than 97% of US stocks
Higher than 93% of US stocks
Higher than 93% of US stocks
Higher than 99% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
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 $1.7B and an enterprise value of $1.6B.
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.
Trailing P/E: 20.1×; forward P/E: 16.8× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Exzeo Group, Inc. employs 354 people — $627K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
| Company | Market cap | TKN rank |
|---|---|---|
| XZOExzeo Group, Inc. | $1.7B | 3 |
| PLGOPelagos Insurance Capital Ltd. | $2.4B | 82 |
| IGICInternational General Insurance Holdings Ltd. | $1.0B | 59 |
| INTRInter & Co., Inc.* | $1.7B | 30 |
| OBKOrigin Bancorp, Inc.* | $1.7B | 86 |
| BYByline Bancorp, Inc.* | $1.8B | 93 |
| CLSKCleanSpark, Inc.* | $1.7B | 13 |
* 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 →
Exzeo reported quarterly earnings of $0.25 per share, above the Zacks Consensus Estimate of $0.24. Earnings matched the $0.25 per share reported a year ago.
Why it matters — XZO watchers may note that quarterly earnings exceeded the consensus estimate while matching the year-ago result.
Exzeo Group announced financial results for the third quarter ended September 30, 2026. CEO Paresh Patel said AI could reshape insurance and create opportunities to expand revenue through new offerings with carrier partners.
Why it matters — XZO watchers may note management's view that AI and carrier-partner offerings could provide an opportunity to expand the company's revenue base.
Exzeo Group will hold a conference call on November 4, 2026, at 5:45 p.m. ET, to discuss results for the third quarter ended September 30. The company plans to issue its financial results in a press release after the market close that day.
Why it matters — XZO watchers can note when the company will release its quarterly results and discuss them with investors.
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 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.
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.
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. 3 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 4 Nov 2026, Exzeo Group, Inc. ranks 3 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 (53 of 100).
No one can know that. What the data says: the median 12-month target from 3 analysts implies +34.5% from the last close, and Ticker Nerd's factor model ranks Exzeo Group, Inc. 3 out of 100 as at 4 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
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.
Exzeo Group, Inc. is a technology company focused on the property and casualty insurance sector, with particular strength in the homeowners market.
The most recent item we track (Zacks Investment Research, 5 Nov 2026): "Exzeo (XZO) Q3 Earnings and Revenues Top Estimates". Exzeo reported quarterly earnings of $0.25 per share, above the Zacks Consensus Estimate of $0.24. Earnings matched the $0.25 per share reported a year ago.
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
