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Exzeo Group Inc. (XZO) — RQD Stock Rating Cockpit

$17.71 +0.68% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.77

Exzeo Group Inc. (XZO) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (60% profit margin, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $1.60B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on XZO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is XZO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Exzeo Group Inc. (NYSE: XZO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $17.71 (+0.68% 1D, market cap $1.60B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 714 tracked Technology issuers, XZO ranks #58 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does XZO compare to LIME and CXM in the Technology sector?

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Within the Technology sector (Computer Software: Prepackaged Software), XZO carries a Roarable B (73/100 RQD), trailing P/E of 19.3x, gross margin of 60.4%, and ROIC of 85.0%. By comparison, LIME (Neutron Holdings Inc.) holds a D grade (46/100 RQD, P/E N/A, ROIC —, cap $1.59B) and CXM (Sprinklr Inc. (Class A)) posts a C+ grade (66/100 RQD, P/E 69.0x, ROIC 7.4%, cap $1.58B). Among the 5-stock peer group, XZO leads on earnings multiple (19.3x) while XZO leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for XZO?

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Per XZO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001873951), Exzeo Group Inc. generated $217.0M in revenue (+62.0% YoY), $82.7M in net income, and $0 in free cash flow against $347.7M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (60% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $17.77 (+0.36%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 20.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+6.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XZO)Realized 20D OHLCV Swing Band: ±10%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY XZO SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 20.6% FCF Margin ($44.7M FCF) & 60.4% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (22% of score)

Altman Z-Score 12.79 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution13/20 pts (-7 pt drag)

Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$16.03+2.1% Next Q

Q2 (-2Q)

Grade B-$16.37+0.5% Next Q

Q3 (-1Q)

Grade B$16.46+7.6% Next Q

Current

Grade B$17.71+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the XZO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, XZO faces multiple-compression risk if 19.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 57.9% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($16.25) or 200D SMA ($15.96) invalidates the momentum regime and cuts Target Base ($18.91) toward Bear Floor ($14.52).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $XZO• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “XZO Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 73%NO 27%Trade / Inspect Odds →

RSI-14 MOMENTUMBULLISH MOMENTUM

64.830 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

12.79>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE44% OF RANGE

L: $12$17.71H: $25

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (60% profit margin and healthy balance-sheet cushion).

Factor Grade: ARQD 18 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on XZO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (90)

85.0% ROIC with 60.4% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (80)

Altman-Z 12.79 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

26/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like XZO

✓Strong cash generator (60% profit margin)—profits are backed by real money, not accounting tricks.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (XZO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

XZO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.59%⚡ TESTING RESISTANCE

2026-11-02O $17.59H $17.71L $17.59C $17.71VOL 427.4K

RES: $18.24SUP: $13.14SMA50: $16.25SMA200: $15.96

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

XZO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 XZO Butterfly Map → + Track XZO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

12.7%/yr Implied 5Y Growth

vs. +62.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on XZO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for XZO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for XZO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (XZO)

Technology Rank #58 of 714 ⚔️ LIME vs XZO Full Matrix →

1. Head-to-Head Technology Peer Comparison (XZO vs. LIME, CXM, EVCM, SBET)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Exzeo Group Inc. (XZO) ranks #58 by composite RQD confidence (73/100, grade B) and #316 by equity capitalization ($1.60B). Within this direct 5-issuer industry benchmark cohort, XZO leads on earnings valuation at 19.3x trailing P/E, while XZO leads on capital efficiency and profitability with 85.0% ROIC and 60.4% gross margin. XZO currently leads its immediate peer cohort in composite quantitative strength at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
XZO ACTIVE Exzeo Group Inc.	B	73/100	19.3x	60.4%	85.0%	+0.68%	$1.60B	Benchmark Subject
LIME Neutron Holdings Inc.	D	46/100	—	—	—	+0.45%	$1.59B	/lime-vs-xzo →
CXM Sprinklr Inc. (Class A)	C+	66/100	69.0x	67.4%	7.4%	-1.45%	$1.58B	/cxm-vs-xzo →
EVCM EverCommerce Inc.	D	49/100	91.9x	—	4.2%	-2.56%	$1.62B	/evcm-vs-xzo →
SBET Sharplink Inc.	E	31/100	—	—	-24.0%	-1.77%	$1.57B	/sbet-vs-xzo →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001873951

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Exzeo Group Inc. (XZO) reported GAAP revenue of $217.0M (+62.0% vs. FY2024 revenue of $133.9M , and +145.6% cumulative change since FY2023) , GAAP net income of $82.7M, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, XZO closed FY2025 with $347.7M in total assets against $0 in total debt (Altman Z-Score: 12.79, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$217.0M	$82.7M	—	—	$347.7M	—
FY2024 (FY)	2024-12-31	$133.9M	$45.3M	—	—	$89.4M	—
FY2023 (FY)	2023-12-31	$88.3M	$21.5M	—	—	—	—

3. XZO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is XZO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does XZO compare to LIME and CXM in the Technology sector?

What are the biggest fundamental strengths and SEC risk factors for XZO?

Where is XZO trading relative to its 50-day, 200-day, and 52-week technical levels?

XZO last traded at $17.71 (+0.68% on volume of 427,398 shares), positioning the stock +8.98% above its 50-day simple moving average ($16.25) and +10.96% above its 200-day simple moving average ($15.96). Across its 52-week range of $12.36 to $24.60, XZO sits at the 43.7% percentile with a 14-day RSI of 64.8 (BULLISH MOMENTUM) and an implied next-earnings move of ±10.0% ($15.94 to $19.48).

XZO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell XZO stock right now?

Exzeo Group Inc. (XZO) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (60% profit margin, 85% return on capital) with steady institutional support.

What is XZO's 12-month price target and RQD AI Jury consensus?

XZO's 12-month base price target is $18.91 (range $14.52 to $25.83), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: XZO RQD Cockpit XZO 12M Forecast XZO Earnings & Move XZO Dividends & DRIP XZO Insiders & 13F XZO Whale Options XZO Profit Sankey XZO News & Why