Exzeo Group (NYSE:XZO) Announces Earnings Results, Beats Expectations By $0.01 EPS

Exzeo Group (NYSE:XZO) released its quarterly earnings data on Wednesday. The company reported $0.25 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.24 by $0.01, FiscalAI reports. The company had revenue of $53.89 million during the quarter. Exzeo Group had a net margin of 39.67% and a return on equity of 32.30%.

Here are the key takeaways from Exzeo Group’s conference call:

• Exzeo reported third-quarter pre-tax income of about $30 million, EPS of $0.25 and an adjusted EBITDA margin above 51%, all within guidance. Total revenue was flat year over year at $55 million, while adjusted revenue excluding catastrophe-driven outsourced claims services rose to $54 million from $52 million.
• Managed Premium grew to about $1.4 billion from $1.2 billion a year earlier, and Annual Recurring Revenue increased to $206 million from $192 million in the prior quarter. The company expects Managed Premium to be approximately $1.34 billion at year-end, citing normal seasonality.
• Management sees new carrier offerings as a growth opportunity, pointing to its Exzeo HO3 product, which generated more than $40 million in premiums under management in just over six months. It is considering several additional offerings and expanding into auto, flood and liability, though timing and scale remain uncertain.
• Exzeo ended the quarter with more than $350 million in invested assets, no debt and $298 million in shareholders’ equity, up 17% from year-end 2025. It repurchased more than 1.1 million shares for about $17 million year to date and said it expects to remain cash-flow positive while investing in new initiatives.

Exzeo Group Price Performance

Shares of XZO traded down $1.31 during mid-day trading on Friday, reaching $15.91. 85,640 shares of the company’s stock were exchanged, compared to its average volume of 231,290. The business’s fifty day simple moving average is $16.32 and its 200-day simple moving average is $15.95. The stock has a market capitalization of $1.43 billion and a PE ratio of 16.24. Exzeo Group has a 52-week low of $12.36 and a 52-week high of $24.60.

Wall Street Analyst Weigh In

A number of research firms have recently commented on XZO. Weiss Ratings upgraded Exzeo Group from a “hold (c-)” rating to a “hold (c)” rating in a research report on Thursday, October 29th. Zacks Research raised Exzeo Group from a “strong sell” rating to a “hold” rating in a research report on Tuesday, October 6th. Finally, Truist Financial reissued a “buy” rating and issued a $24.00 target price (down from $25.00) on shares of Exzeo Group in a research report on Tuesday. Three investment analysts have rated the stock with a Buy rating and two have assigned a Hold rating to the company’s stock. According to data from MarketBeat, Exzeo Group currently has an average rating of “Moderate Buy” and an average target price of $25.50.

Institutional Trading of Exzeo Group

Several institutional investors and hedge funds have recently bought and sold shares of the business. Keybank National Association OH purchased a new stake in shares of Exzeo Group in the third quarter valued at about $425,000. State of Alaska Department of Revenue acquired a new stake in shares of Exzeo Group during the third quarter worth about $56,000. Whetstone Capital Advisors LLC boosted its stake in shares of Exzeo Group by 31.6% during the second quarter. Whetstone Capital Advisors LLC now owns 541,544 shares of the company’s stock worth $9,136,000 after buying an additional 130,191 shares during the period. Engineers Gate Manager LP purchased a new position in shares of Exzeo Group during the second quarter worth about $272,000. Finally, Bank of New York Mellon Corp purchased a new position in shares of Exzeo Group during the second quarter worth about $287,000.

Exzeo Group Company Profile

Exzeo 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. Exzeo’s Insurance-as-a-Service (IaaS) platform, which we refer to as the “Exzeo Platform,” currently includes nine highly configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain.