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XZO

Exzeo GroupA
NYSE / Insurance
Last Price
At close
2026-07-22
View Chart
Current thesis
Exzeo is demonstrating platform traction through higher managed premium, ARR, cash flow, and additional carrier adoption. Successful onboarding and recurring-revenue scaling could support multiple expansion.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +0.1.
What can break
Adjusted EBITDA margin may remain pressured by investment in personnel and infrastructure.
Momentum
96
Value
50
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $16.10 · Bull $19.00 · Bear $14.40
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $26.00
Why
Momentum96 · Δ7d +0.1
Value50 · Δ7d +0.5
Sentiment59 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
96
26% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+49.0
Value
50
39% active weight
Current posture
7d trendFlat
Δ7d
+0.5
Δ21d
+2.1
Sentiment
59
34% active weight
Current posture
7d trendImproving
Δ7d
-
Δ21d
-
Why this grade

Composite grade A. Momentum 96.3 / Value 50.2 / Sentiment 59.4

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$1.44B
Beta
-
Shares Out
90.92M
P/E (TTM) · Derived
18.2
P/S (TTM)
-
P/FCF (TTM) · Derived
56.14
Rev YoY
+6.0%
EPS YoY
+19.5%
Gross Margin
+1.4%
Op Margin
-
Net Debt
-$298.13M
Current Ratio
2.65
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology