Exzeo Group, Inc.(XZO)Stock Analysis
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Pending next ranking run
This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
XZO Stock Analysis & AI Quality Score
AI stock analysis and institutional research for Exzeo Group, Inc. (XZO), a Technology sector company. XZO is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), Exzeo Group, Inc. reports quarterly revenue of $55.5M, net income of $20.4M, an operating margin of 45.1%. Top institutional holders of XZO by reported 13-F value include JANUS HENDERSON GROUP PLC, FJ Capital Management, GOLDMAN SACHS GROUP, based on the most recent SEC filings. XZO trades on the NYSE exchange and files with the SEC under CIK 1873951. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate XZO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Exzeo Group, Inc. directly from SEC EDGAR.
Revenue
Q1 2026
$55.5M
Net Income
Q1 2026
$20.4M
Free Cash Flow
Q1 2026
$25.1M
Operating Margin
Q1 2026
45.1%
ROIC
Q1 2026
9.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+62.0% YoYNet Income
+82.6% YoYOperating Income
+178.8% YoYEPS (Diluted)
+125.0% YoYTotal Assets
+288.8% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Revenue | $217.0M +62.0% | $133.9M +51.6% | $88.3M | — |
| Net Income | $82.7M +82.6% | $45.3M +111.2% | $21.5M | — |
| Operating Income | $106.0M +178.8% | $38.0M +1388.5% | $2.6M | — |
| EPS (Diluted) | $0.99 +125.0% | $0.44 +193.3% | $0.15 | — |
| Total Assets | $347.7M +288.8% | $89.4M | — | — |
AI Insight: XZO Financial Trends
Exzeo Group's three-quarter dataset is too sparse for firm trend conclusions, but early profitability metrics look solid with net margins above 35%.
• Revenue grew modestly from $53M in Q4 2025 to $56M in Q1 2026, a ~5.7% sequential increase.
• Net income dipped from $22M to $20M quarter-over-quarter, compressing net margin from ~41.5% to ~35.7%.
• Equity expanded sharply from $78M in Q3 2025 to $275M in Q1 2026, suggesting significant capital activity.
⚠ Operating income fell from $27M to $25M despite rising revenue — operating margin contracted ~3pp sequentially.
⚠ Total debt is unreported across all periods; leverage picture remains entirely opaque.
AI Insight: XZO Ratio Trends
Exzeo's profitability remains exceptionally high but contracted sharply in Q1 2026, with operating margin falling 5.2pp and ROIC dropping 5.7pp quarter-over-quarter.
• Operating margin declined from 50.3% in Q4 2025 to 45.1% in Q1 2026, a 5.2pp sequential contraction.
• Net profit margin compressed from 41.2% in Q4 2025 to 36.8% in Q1 2026, a 4.4pp drop.
• ROIC fell from 42.2% in Q4 2025 to 36.5% in Q1 2026, though absolute levels remain exceptionally strong.
⚠ All key return metrics — ROE, ROA, ROIC — declined sequentially in Q1 2026; confirm whether trend continues next quarter.
⚠ D/E data is absent across all reported quarters; debt structure and leverage remain unassessable.
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Available Research
13F Pro tracks comprehensive data for Exzeo Group, Inc. including:
Top Institutional Holders of XZO
JANUS HENDERSON GROUP PLC
$10.3M703,304 shFJ Capital Management LLC
$10.0M682,440 shGOLDMAN SACHS GROUP INC
$8.9M604,273 shJENNISON ASSOCIATES LLC
$8.4M574,917 shDRIEHAUS CAPITAL MANAGEMENT LLC
$7.8M529,752 shWhetstone Capital Advisors, LLC
$6.0M411,353 shESSEX INVESTMENT MANAGEMENT CO LLC
$4.2M288,111 shBlackRock, Inc.
$4.0M274,710 shJANE STREET GROUP, LLC
$3.6M247,803 shHolocene Advisors, LP
$3.1M214,426 sh
| Fund | Value | Shares |
|---|---|---|
| JANUS HENDERSON GROUP PLC | $10.3M | 703,304 |
| FJ Capital Management LLC | $10.0M | 682,440 |
| GOLDMAN SACHS GROUP INC | $8.9M | 604,273 |
| JENNISON ASSOCIATES LLC | $8.4M | 574,917 |
| DRIEHAUS CAPITAL MANAGEMENT LLC | $7.8M | 529,752 |
| Whetstone Capital Advisors, LLC | $6.0M | 411,353 |
| ESSEX INVESTMENT MANAGEMENT CO LLC | $4.2M | 288,111 |
| BlackRock, Inc. | $4.0M | 274,710 |
| JANE STREET GROUP, LLC | $3.6M | 247,803 |
| Holocene Advisors, LP | $3.1M | 214,426 |
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Popular Research
Is XZO a good stock to buy?
13F Pro's AI-powered analysis of Exzeo Group, Inc. (XZO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for XZO are available on the XZO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own XZO?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling XZO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Exzeo Group, Inc.'s investment landscape.