Insider buying last 90 days
No open-market insider purchases were filed for XZO in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every XZO insider filing, plotted on the chart in Gekko.Open XZO in Gekko
Gekko Brief
AI summaryOct 12 closeExzeo this week saw its research rating lifted to Hold, alongside a Q2 2026 earnings call transcript showing revenue of $58 million, driven by $1.4 billion in managed premiums and a 53% adjusted EBITDA margin. These items concern the company's growth trajectory and how analysts are positioning around its recent results.
XZO closed at $16.03, up 0.3%, sitting between its 50-day average of $15.99 and 200-day average of $16.39, a trend picture that is mixed. The GekkoIndex reading of 55.8 places the stock in the Neutral zone, down 6.3 over the past five readings. Gekko Fair Value stands at $19.90, putting the current price 19.4% below that level. Over the past year the stock has traded between a 52-week low of $12.36 and high of $24.60, with a six-month return of 4.1% and a three-month return of -1.5%.
Exzeo's next earnings date is 9 December 2026, 58 days away, placing it outside a typical 20-trading-day holding window. Its last report, on 25 February 2026, showed EPS of $0.25 against an estimate of $0.13, with a 9% reaction, and the company has beaten estimates in 3 of its last 3 quarters, with an average absolute reaction of 11.7%. No insider, Congress, or unusual options activity appears in the current windows. Analyst coverage from 2 firms shows both rated Buy, with a consensus target of $26 and consensus upside of 62.2%.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Exzeo price vs fair value
Close $16.03200-day averageGekko Fair Value $19.90
Exzeo quick facts
- Market cap
- $1.46B
- P/E ratio
- 16.6
- Forward P/E
- —
- EPS, TTM
- $0.96
- Revenue, TTM
- $230.4M
- Profit margin
- 37.7%
- Dividend yield
- —
- Beta
- —
- Volume
- 131,453 avg 455,535
- 1-year return
- —
- Typical daily move
- ±4.7%
- Typical 20-day move
- ±11%
- 50-day average
- $15.99
- 200-day average
- $16.39
- Next earnings
- Dec 9
- Shares outstanding
- 90.09M
Exzeo swing-trade checklist
Exzeo scores 2 supportive, 2 mixed and 0 headwinds across the 4 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
2 supportive2 mixed0 headwinds
- Trendmixed
Averages disagree
Close $16.03 sits between the 50-day ($15.99) and 200-day ($16.39) averages, or the averages disagree.
See the chart - GekkoIndexmixed
55.8, Neutral
Reading 55.8 is in the Neutral zone.
See the GekkoIndex - Fair valuesupportive
19.4% below
Price is 19.4% below Gekko Fair Value (more than 5% below).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings risksupportive
Reports in 58 days
Next report Dec 9, 2026, 58 days away — outside a typical 20-trading-day hold.
See earnings - Seasonalityno data
No data
Not enough years of history for a seasonal read.
A description of current data, not a recommendation. How this page works
Exzeo stock chart and price history
Exzeo closed at $16.03 on Oct 12, 2026, inside a 52-week range of $12.36 to $24.60.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- +0.1%
- 3 months
- −1.5%
- 6 months
- +4.1%
The full XZO chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open XZO in Gekko
Follow Exzeo through every session
Put XZO on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.
Track XZO in GekkoFree for 7 days. No credit card required.
About Exzeo
Exzeo provides technology and operational support built for insurance carriers and agents. Its main offering is an Insurance-as-a-Service platform that handles the administrative backbone of running an insurance business, including quoting, underwriting, managing policies through their lifecycle, processing claims quickly, and producing data and financial reports. The company directs these services toward the property and casualty insurance market.
Exzeo functions within the structure of its parent, HCI Group, Inc., and was previously known as TypTap Insurance Group, Inc. before taking on its current name. Its customers are the carriers and agents who rely on its platform to manage the operational and reporting side of their insurance work.
The company was founded in 2012 and is headquartered in Tampa, Florida. Its shares are listed on the NYSE under the ticker XZO.
- Listed
- NYSE
- Sector
- Technology services
- Industry
- Packaged software
- Website
- exzeo.com
Exzeo GekkoIndex: the smart money zone
Exzeo’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 55.8, in the Neutral zone, down 6.3 points over five sessions.
55.8Neutral
Down 6.3 points over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 24 | −1.6% | +4.9% | ||
| Accumulation | 90 | +0.9% | +7.5% | ||
| Neutral (current zone) | 106 | −0.5% | −6.0% | ||
| Distribution | 8 | Too few readings yet | |||
| Selling | 0 | Not available | |||
Average XZO share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the XZO price, zone by zone.Track XZO in Gekko
Is Exzeo stock overvalued? Gekko Fair Value
Exzeo trades 19.4% below Gekko Fair Value of $19.90, so the shares are undervalued on Gekko’s estimate.
Gekko’s own estimate of what Exzeo shares are worth, recalculated every trading day.
$19.90
Gekko Fair Value, Oct 10, 2026
19.4% Undervalued
At the end of Aug 2026 the price was 25.7% below the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open XZO in Gekko
Exzeo insider and Congress trading
No open-market insider purchases were filed for Exzeo, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in XZO were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for XZO, plotted on the chart in Gekko.Open XZO in Gekko
Buybacks
Exzeo has been buying back its own shares.
- Latest authorization
- $25.00M, Aug 14, 2026
- Bought back, quarter ended Jun 30, 2026
- $10.04M
- As a share of market cap
- 0.69%
From company filings.
Exzeo earnings: next date and track record
Exzeo reports on Dec 9, 2026 (58 days away), and beat the EPS estimate in 3 of its last 3 reports.
Next earnings report
Dec 9, 2026
58 days away
- EPS estimate
- $0.24
- Revenue estimate
- $56.01M
3 of 3reports beat the EPS estimate
±11.7%average move across the report
2 of 2reports followed by a gain
Share-price move across each report
Last earnings call, Feb 25, 2026 AI summary
- What they said
- Exzeo delivered strong Q4 2025 results with pretax income of $29 million and EPS of $0.25. Full year pretax income exceeded $110 million with revenue of $217 million. Managed premium surged to $1.39 billion from $580 million prior year. The company added first non-HCI clients and secured Tokio Marine Highland for flood insurance products.
- Guidance
- Q1 2026 pretax income expected between $23-26 million. Full year 2026 pretax income guidance maintained at $115-125 million. Managed premium outlook raised to $1.55 billion by year-end 2026.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Feb 25, 2026 | $0.25 est $0.13 | $51.04M est $44.10M | +9.0% |
| Dec 10, 2025 | $0.25 est $0.24 | $55.17M est $53.21M | +14.3% |
| Sep 9, 2025 | $0.48 est $0.00 | — | — |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Exzeo stock forecast and analyst price targets
Analysts’ average 12-month price target for Exzeo is $26.00, +62.2% from the last close, from 2 firms rating the stock in the last 90 days.
$26.00consensus 12-month target, +62.2% from the last close
Each firm’s latest rating in the last 90 days: 2 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Aug 7 | Truist Financial | — | — |
| Aug 7 | William Blair | — | — |
−6.0%average 20-day move after past Neutral readings
±4.7%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Exzeo market cap and key statistics
Exzeo’s market cap is $1.46B, with a P/E ratio of 16.6 and revenue of $230.4M over the last twelve months.
Valuation
- Market cap
- $1.46B
- P/E ratio
- 16.6
- EPS, TTM
- $0.96
- Gekko Fair Value
- $19.90
Trading
- Volume
- 131,453
- Avg volume, 20 days
- 455,535
- 52-week high
- $24.60
- 52-week low
- $12.36
- Shares outstanding
- 90.09M
Financials
- Revenue, TTM
- $230.4M
- Profit margin
- 37.7%
- Return on equity
- 50.4%
- Quarterly earnings growth, YoY
- −1.4%
Risk and income
- Typical daily move
- ±4.7%
- Typical 20-day move
- ±11%
Exzeo stock news this week
2 headlines about Exzeo from the past week, newest first, each linking to the publisher.
- Exzeo Group (NYSE:XZO) Stock Lifted to Hold by Zacks ResearchMarketBeat, Oct 8
- Exzeo Group Reports Q2 2026 Results: Full Earnings Call TranscriptBenzinga, Oct 5
Exzeo peers
Exzeo’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| MSFTMicrosoft | Neutral | 21.7% above |
| PLTRPalantir Technologies | Distribution | 22.3% above |
| ORCLOracle | Neutral | 24.3% below |
| PANWPalo Alto Networks | Neutral | 21.6% above |
| CRWDCrowdStrike | Neutral | 23.7% above |
| CRMSalesforce | Neutral | 3.6% below |
A peer links to its own page where one exists.
Exzeo stock FAQ
What is Exzeo’s market cap?
Exzeo’s market cap is $1.46B at the Oct 12, 2026 close of $16.03, with 90.09M shares outstanding. The shares trade on a P/E ratio of 16.6.
What is the Exzeo stock forecast?
The consensus analyst 12-month price target for Exzeo is $26.00, +62.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 2 rate it a buy, 0 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Exzeo stock overvalued or undervalued?
On Gekko’s estimate Exzeo is undervalued: the Oct 12, 2026 close of $16.03 is 19.4% below Gekko Fair Value of $19.90. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Exzeo report earnings next?
Exzeo is expected to report on Dec 9, 2026 (58 days away). Analysts expect earnings of $0.24 per share on revenue of $56.01M.
What is Exzeo’s 52-week high and low?
Exzeo’s 52-week high is $24.60 and its 52-week low is $12.36; it closed at $16.03 on Oct 12, 2026.
Is Exzeo stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 4 items with data read as supportive (fair value and earnings risk), 2 as mixed (trend and gekkoindex). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
See Exzeo the way Gekko members do
Every GekkoIndex reading, insider trade, options bet and Congress disclosure plotted on the chart, plus the 5,800-name screener and trade planning tools.
Join 1,408 other traders using Gekko
Start Your FREE 7 Day Trial → Every feature unlocked. No credit card required.