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XZO

Exzeo GroupA
NYSE / Insurance
Last Price
At close
2026-07-20
View Chart
Current thesis
Exzeo is showing platform traction: managed premium rose to $1.43 billion, ARR to $216.2 million, and a seventh insurance carrier joined in Q1. Sustained carrier and client onboarding could support multi-quarter growth and eventual operating leverage [#SEC-8K-2026-05-06].
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +2.5.
What can break
Adjusted EBITDA margin fell to 49% from 50% as personnel and infrastructure investment continued [#SEC-8K-2026-05-06].
Momentum
97
Value
50
Sentiment
56
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $17.50 · Bull $25.00 · Bear $12.50
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-15 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $26.00
Why
Momentum97 · Δ7d +2.5
Value50 · Δ7d +0.8
Sentiment56 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
97
26% active weight
Current posture
7d trendFlat
Δ7d
+2.5
Δ21d
+73.8
Value
50
39% active weight
Current posture
7d trendFlat
Δ7d
+0.8
Δ21d
+1.0
Sentiment
56
34% active weight
Current posture
7d trendImproving
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 97.2 / Value 49.8 / Sentiment 55.5

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$1.46B
Beta
-
Shares Out
90.92M
P/E (TTM) · Derived
18.5
P/S (TTM)
-
P/FCF (TTM) · Derived
57.17
Rev YoY
+6.0%
EPS YoY
+19.5%
Gross Margin
+1.4%
Op Margin
-
Net Debt
-$298.13M
Current Ratio
2.65
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology