Exzeo Group, Inc.(XZO)
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership.
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
- Industry (SIC)
- SERVICES-PREPACKAGED SOFTWARE (7372)
- Exchange
- XNYS
- Market Cap
- $1.4B
Exzeo Group Inc provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform, which it refers to as the Exzeo Platform, currently includes nine configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, the com…
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
| Month | Avg Return | Years of Data |
|---|---|---|
| Jan | -17.03% | 1 |
| Feb | -17.44% | 1 |
| Mar | -11.94% | 1 |
| Apr | +9.09% | 1 |
| May | -14.93% | 1 |
| Jun | +23.95% | 1 |
| Jul | -8.27% | 1 |
| Aug | +5.67% | 1 |
| Sep | -8.26% | 1 |
| Oct | — | 0 |
| Nov | -9.38% | 1 |
| Dec | +25.74% | 1 |
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
Momentum Oscillators
Volume & Volatility
Data Summary
LLM Stock Analysis Report: XZO
Executive Summary
Overall Assessment: NEUTRAL (Confidence Level: 6/10)
Key Drivers:
- Technical indicators suggest a neutral trend, with no clear direction
- Recent news headlines have been predominantly negative
- Beta analysis indicates high risk relative to the market
- Options activity is limited due to lack of available data
Primary Risks:
- High volatility may lead to significant price movements
- Negative sentiment from recent news headlines could impact investor confidence
- Limited options data makes it challenging to assess risk and potential trading opportunities
Investment Thesis:
XZO's neutral technical trend, combined with negative news sentiment, suggests a cautious approach. While the stock has shown high volatility in the past, its beta relative to the market indicates it may be more susceptible to market fluctuations. A balanced view is essential when considering XZO.
Recent News Sentiment Impact:
The recent negative news headlines from Schall Law Firm's fraud investigation have likely contributed to the stock's current neutral trend. Investors should consider these headlines as a potential catalyst for future price movements.
Technical Analysis
Trend Direction: Neutral (Short-term: 1-4 weeks), Medium-term: 1-3 months, Long-term: Not determined due to limited data
Support/Resistance Levels: Key price levels from moving averages and technical patterns:
- SMA 20: $16.06
- EMA 12: $16.00
- Lower Bollinger Band: $15.02
- Recent low: $14.95
Momentum Signals:
- RSI (14) interpretation: Neutral (46.06)
- MACD signal: Bullish (0.04 / Signal: -0.08 / Histogram: 0.12)
- Bollinger Bands position: Neutral
Volume Analysis: Volume trends and institutional interest signals:
- Volume SMA 20: 125437.15
- OBV: 2458356.46
- Volume Rate of Change: 78.50%
News & Sentiment Analysis
Recent Headlines Summary: Key themes from last 10 news articles:
- Negative sentiment due to Schall Law Firm's fraud investigation (2 headlines)
- Neutral news on HCI Group's quarterly cash dividend announcements (2 headlines)
Sentiment Assessment: Aggregate news sentiment: NEGATIVE
Catalyst Identification: Upcoming events or regulatory changes that could impact the stock price:
- No specific catalysts identified due to limited data
Market Narrative: How news aligns with or contradicts technical signals:
- Recent negative news has likely contributed to the neutral trend, which aligns with the technical indicators.
Risk & Volatility Assessment
Beta Interpretation: High risk relative to market (beta 1.67)
Volatility Regime: High volatility (stock moves more than market)
Options Market Signals: IV rank: N/A (no options data available), put/call ratios: N/A, unusual activity: N/A
Downside Protection: Support levels and risk management considerations:
- Lower Bollinger Band: $15.02
- Recent low: $14.95
Market Context & Positioning
Sector Performance: Relative strength vs sector/market:
- No specific data available for XZO's sector or market performance
Institutional Activity: Volume patterns suggesting institutional interest signals:
- Institutional interest is limited due to lack of available data
Correlation Analysis: How stock moves relative to market (R-squared interpretation):
- Correlation: 0.34, indicating a relatively weak relationship with the market
Relative Valuation: Position within trading range:
- No specific valuation data available for XZO
Key Levels & Action Items
Critical Price Levels: Support/resistance levels to monitor:
- SMA 20: $16.06
- EMA 12: $16.00
- Lower Bollinger Band: $15.02
- Recent low: $14.95
Breakout/Breakdown Levels: Technical levels that could trigger significant moves:
- No specific breakout/breakdown levels identified due to limited data
Time-Sensitive Catalysts: Earnings dates, FDA approvals, product launches:
- No specific catalysts identified due to lack of available earnings or other event data
Risk Management: Stop-loss levels and position sizing considerations:
- Consider a stop-loss level below the recent low ($14.95) or at the Lower Bollinger Band ($15.02)
- Monitor institutional activity and options market signals for potential trading opportunities
Each spread is ranked by a composite score built in three stages. Full documentation →
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Enter a ticker to render the implied volatility surface.
Enter a ticker to render the implied volatility smile.
- Beta (1Y vs SPY)
- 1.58
- Correlation (SPY)
- 32.7%
- R²
- 0.11
- Ann. Volatility
- 62.9%
- SPY Volatility
- 13.0%
High volatility - stock moves more than market
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
| # | Filer | Notional Value | % of Total | Period |
|---|
| # | Filer | Notional Value | % of Total | Period |
|---|
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-05-28 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.67 | $27.3K | EDGAR |
| 2026-05-27 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.26 | $26.5K | EDGAR |
| 2026-05-26 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $12.92 | $25.8K | EDGAR |
| 2026-05-22 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $12.82 | $25.6K | EDGAR |
| 2026-05-21 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.33 | $26.7K | EDGAR |
| 2026-05-20 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.69 | $27.4K | EDGAR |
| 2026-05-19 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.93 | $27.9K | EDGAR |
| 2026-05-18 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.68 | $27.4K | EDGAR |
| 2026-05-15 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.75 | $27.5K | EDGAR |
| 2026-05-14 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.55 | $27.1K | EDGAR |
| 2026-05-13 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.85 | $27.7K | EDGAR |
| 2026-05-12 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.99 | $28.0K | EDGAR |
| 2026-05-11 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $13.52 | $27.0K | EDGAR |
| 2026-05-08 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $15.11 | $30.2K | EDGAR |
| 2026-05-07 | Paresh Patel | Chief Executive Officer | Buy (P) | +2,000 | $17.31 | $34.6K | EDGAR |
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Paresh Patel | Chief Executive Officer | 1,672,013 | $25.43M | $2.50M | 45 | 2026-05-28 |
| 2 | Kevin Andrew Mitchell | President | 715,135 | $10.88M | $265.9K | 2 | 2025-12-22 |
| 3 | Suela Bulku | Chief Financial Officer | 304,854 | $4.64M | $217.2K | 2 | 2025-12-22 |
| 4 | Brook Armstrong Baker | General Counsel | 249,026 | $3.79M | $238.2K | 3 | 2025-12-22 |
| 5 | James J Macchiarola | Director | 140,000 | $2.13M | $480.5K | 2 | 2026-03-24 |
| 6 | Robert A. Lopes Jr. | Director | 127,335 | $1.94M | $248.4K | 2 | 2026-03-10 |
| 7 | Loreen M Spencer | Director | 110,000 | $1.67M | $84.0K | 1 | 2025-11-07 |
| 8 | Irene Hurst | Director | 109,500 | $1.67M | $42.0K | 1 | 2025-11-07 |
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.