What is the 13F Pro Quality Score for XZO?

13F Pro ranks Exzeo Group, Inc. (XZO) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View XZO's current score at https://13fpro.ai/company/XZO (free sign-up required for the full ranking).

Which hedge funds own the most XZO stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of XZO include Jupiter Topco, AMERICAN CENTURY COMPANIES, GOLDMAN SACHS GROUP. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/company/XZO as soon as new 13F filings post.

Where does 13F Pro source XZO data?

All Exzeo Group, Inc. fundamentals and ownership data come directly from SEC EDGAR. Exzeo Group, Inc. files with the SEC under CIK 1873951. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is XZO in?

Exzeo Group, Inc. (XZO) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

What drives XZO's revenue?

Per Exzeo Group, Inc.'s latest 10-Q filed with the SEC on 2026-08-07, the biggest revenue drivers are: Underwriting and management services ($94.3M, +6.5% YoY); Claim services ($13.6M, -11.8% YoY); Other technology services ($5.4M, +20.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/XZO.

What are XZO's largest expenses?

Exzeo Group, Inc.'s latest 10-Q reports these as the largest expense items: Cost of revenue ($43.7M, -5.2% YoY); Selling, general and administrative ($11.0M, +94.2% YoY); Research and development ($4.7M, +3.7% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (six months ended June 30, 2026).

How often is XZO research updated on 13F Pro?

XZO's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Exzeo Group, Inc.(XZO)Stock Analysis

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SEC EDGAR: CIK 1873951 XZO stock profile & AI dashboard →

13F Pro Quality Score

58.6/100

Rank #1,000 of 2,962 stocksTOP 50%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

31.7/100

Profitability

94.9/100

Balance Sheet

97.1/100

Earnings Quality

44.6/100

Free Cash Flow

92.6/100

Institutional Flow

19.2/100

Revenue Scale

25.1/100

Dilution Risk

51.7/100

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Why XZO Scores 59/100

exact factor attribution · 2026-09-11

XZO's composite is driven by profitability and free cash flow, held back by scale and revenue growth. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+6.7 pts

95th pct

Free cash flow

+6.4 pts

93th pct

Capital efficiency

+4.7 pts

97th pct

Earnings growth

+0.1 pts

52th pct

Shareholder dilution

+0.1 pts

52th pct

Earnings quality

-0.5 pts

45th pct

Institutional flow

-1.5 pts

19th pct

Revenue growth

-3.7 pts

32th pct

Scale

-3.7 pts

25th pct

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

XZO Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for Exzeo Group, Inc. (XZO), a Technology sector company. 13F Pro's AI-powered ranking engine scores XZO at 58.6/100 on a 32-signal composite quality model, placing it at rank #1,000 of 2,962 stocks — the top half of the AI-ranked universe. XZO scores in the top quartile across balance sheet strength (97.1), profitability (94.9), free cash flow (92.6). Areas of concern include institutional flow (19.2) and revenue scale (25.1), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q2 2026), Exzeo Group, Inc. reports quarterly revenue of $57.8M, net income of $23.3M, an operating margin of 49.3%. Top institutional holders of XZO by reported 13-F value include Jupiter Topco, AMERICAN CENTURY COMPANIES, 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. Exzeo Group, Inc.'s 13F Pro composite quality score has ranged between 42 and 65 since 2026, currently 58.6 — a declining long-term trajectory across 19 quarterly and live scoring snapshots.

What's Driving XZO's Business? Latest 10-Q Breakdown

✓ 22/22 datapoints verified

AI-extracted from Exzeo Group, Inc.'s 10-Q filed 2026-08-07 — Q2 FY2026 (six months ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Exzeo's revenue grew 4.4% to $113.3M in H1 2026, with net income rising 10.3% to $43.7M, though customer concentration remains elevated at 86.9% from two related-party customers.

Biggest Revenue Drivers

Underwriting and management services$94.3M+6.5% YoY

Growth from two new customers onboarded late 2025 and existing customer base expansion, offset by modestly lower fee rates reflecting service mix changes.

Claim services$13.6M-11.8% YoY

Lower catastrophe-related claim activity and reduced litigation costs as prior storm events (Hurricane Ian, Milton, Helene) progressed toward resolution.

Biggest Revenue Drivers

Total revenue: $113.3M+4.4% YoY

Underwriting and management services$94.3M+6.5% YoY

Growth from two new customers onboarded late 2025 and existing customer base expansion, offset by modestly lower fee rates reflecting service mix changes.

Claim services$13.6M-11.8% YoY

Lower catastrophe-related claim activity and reduced litigation costs as prior storm events (Hurricane Ian, Milton, Helene) progressed toward resolution.

Other technology services$5.4M+20.3% YoY

Higher catastrophe software service revenue from progression of Hurricane Ian and refined prior-year claims estimates.

Largest Expense Items

Cost of revenue$43.7M-5.2% YoY

Significant reduction in outsourced claims fees (down 50.3%) from lower catastrophe activity, offset by higher direct personnel and other operating expenses supporting growth.

Selling, general and administrative$11.0M+94.2% YoY

Higher employee compensation costs, discretionary compensation accruals finalization, and increased public company operating costs, partially offset by reduced TTIC overhead allocations post-July 2025 separation.

Research and development$4.7M+3.7% YoY

Relatively flat year-over-year, consistent with ongoing investment in platform capabilities.

Margins: Gross margin improved to 61.4% from 57.5% YoY due to leverage on relatively fixed cost structure as managed premiums scaled, despite lower claim services revenue. Operating margin declined to 47.2% from 47.9% due to higher public company and growth-related SG&A costs, partially offset by gross margin expansion.

Watch Items from the Filing

Two customers represent 86.9% of revenue for H1 2026 (vs. 94.0% prior year). High customer concentration risk, though improving, remains material to business continuity.
Managed premium in Florida represents 91.7% of total managed premiums, creating geographic concentration risk tied to hurricane and catastrophe exposure.
Cash declined $168.6M to $136.7M due to $198.4M investment in U.S. Treasury securities post-IPO, with $197.1M held as long-term available-for-sale investments generating $1.3M interest YTD.
Claim services revenue highly sensitive to catastrophe event timing and severity; outsourced claims fees fell 50.3% YoY due to normalization of prior storm activity.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$57.8M

Net Income

Q2 2026

$23.3M

Free Cash Flow

Q2 2026

$15.2M

Operating Margin

Q2 2026

49.3%

ROIC

Q2 2026

39.5%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+62.0% YoY

$217.0MFY 2025

FY22 —FY23 $88.3MFY24 $133.9MFY25 $217.0M

Net Income

+82.6% YoY

$82.7MFY 2025

FY22 —FY23 $21.5MFY24 $45.3MFY25 $82.7M

Operating Income

+178.8% YoY

$106.0MFY 2025

FY22 —FY23 $2.6MFY24 $38.0MFY25 $106.0M

EPS (Diluted)

+125.0% YoY

$0.99FY 2025

FY22 —FY23 $0.15FY24 $0.44FY25 $0.99

Total Assets

+288.8% YoY

$347.7MFY 2025

FY22 —FY23 —FY24 $89.4MFY25 $347.7M

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	—	—

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Available Research

13F Pro tracks comprehensive data for Exzeo Group, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of XZO

Jupiter Topco LLC
$12.3M728,237 sh
AMERICAN CENTURY COMPANIES INC
$10.2M602,830 sh
GOLDMAN SACHS GROUP INC
$9.6M571,335 sh
JENNISON ASSOCIATES LLC
$9.6M568,680 sh
Whetstone Capital Advisors, LLC
$9.1M541,544 sh
BlackRock, Inc.
$7.7M457,881 sh
ESSEX INVESTMENT MANAGEMENT CO LLC
$4.5M268,704 sh
FJ Capital Management LLC
$3.8M223,788 sh
CITADEL ADVISORS LLC
$2.9M172,700 sh
STATE STREET CORP
$2.5M150,003 sh

Fund	Value	Shares
Jupiter Topco LLC	$12.3M	728,237
AMERICAN CENTURY COMPANIES INC	$10.2M	602,830
GOLDMAN SACHS GROUP INC	$9.6M	571,335
JENNISON ASSOCIATES LLC	$9.6M	568,680
Whetstone Capital Advisors, LLC	$9.1M	541,544
BlackRock, Inc.	$7.7M	457,881
ESSEX INVESTMENT MANAGEMENT CO LLC	$4.5M	268,704
FJ Capital Management LLC	$3.8M	223,788
CITADEL ADVISORS LLC	$2.9M	172,700
STATE STREET CORP	$2.5M	150,003

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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. XZO is classified as a small company.

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.