Stock Ratings / Technology / XZO / earnings

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Exzeo Group Inc. (XZO) Next Earnings Date & Expected ±10.8% Move

$17.71 +0.68% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $17.70

Exzeo Group Inc. (XZO) carries a Roarable Rating of C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH 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 2026-11-01, Exzeo Group Inc. (NYSE: XZO) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 8/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 13/20. Across 714 tracked Technology issuers, XZO ranks #147 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 C+ (67/100 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 (50/100 RQD, P/E N/A, ROIC —, cap $1.59B) and CXM (Sprinklr Inc. (Class A)) posts a D+ grade (55/100 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: $17.70 (-0.07%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 20.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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 C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XZO)Realized 20D OHLCV Swing Band: ±10.8%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY XZO SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (27% 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 (24% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade C$15.98+4.4% Next Q

Q2 (-2Q)

Grade C+$16.69+1.4% Next Q

Q3 (-1Q)

Grade C+$16.92+4.7% Next Q

Current

Grade C+$17.71+1.6% Hist 90D α

Trajectory: C (59) → C+ (67)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 67/100 (C+) 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 ($16.24) or 200D SMA ($15.98) invalidates the momentum regime and cuts Target Base ($18.43) toward Bear Floor ($14.38).

🎲 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 67%NO 33%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±10.8% Swing Band

±$1.91 Expected Swing

MODEL EARNINGS SETUP GAUGE

XZO Quantitative Pre-Earnings Setup: 67/100

Trailing EPS: $0.92 • YoY Revenue Growth: 62%

Model Bullish Setup (67/100)Model Risk Weight (33/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$217.0M	$82.7M	$74.5M	60.4%
FY 2024	2024-12-31	$133.9M	$45.3M	$40.8M	39.7%
FY 2023	2023-12-31	$88.3M	$21.5M	$19.3M	60.4%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating XZO & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on XZO
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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XZO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.32%📐 HORIZONTAL RANGE

2026-10-30O $17.84H $17.90L $17.26C $17.71VOL 268.1K

RES: $22.25SUP: $13.16SMA50: $16.24SMA200: $15.98

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 #147 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 #147 by composite RQD confidence (67/100, grade C+) 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 67/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
XZO ACTIVE Exzeo Group Inc.	C+	67/100	19.3x	60.4%	85.0%	+0.68%	$1.60B	Benchmark Subject
LIME Neutron Holdings Inc.	D	50/100	—	—	—	+0.45%	$1.59B	/lime-vs-xzo →
CXM Sprinklr Inc. (Class A)	D+	55/100	69.0x	67.4%	7.4%	-1.45%	$1.58B	/cxm-vs-xzo →
EVCM EverCommerce Inc.	D+	52/100	91.9x	—	4.2%	-2.56%	$1.62B	/evcm-vs-xzo →
SBET Sharplink Inc.	E	30/100	—	—	-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 +9.05% above its 50-day simple moving average ($16.24) and +10.83% above its 200-day simple moving average ($15.98). Across its 52-week range of $12.36 to $24.60, XZO sits at the 43.7% percentile with a 14-day RSI of 67.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±10.8% ($15.80 to $19.62).

XZO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is XZO's next earnings date?

Based on SEC filing cadence, Exzeo Group Inc. (XZO)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is XZO stock expected to move on earnings?

Volatility modeling currently projects a ±10.8% event move for XZO, spanning a range between $15.8 and $19.62.

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