Stock Ratings / Technology / XZO / options

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Exzeo Group Inc. (XZO) Options Positioning, Max Pain & Unusual Sweeps

$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

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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±10.8%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (XZO)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for XZO.

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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?

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.

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

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).

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

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.

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

What is XZO's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for XZO.

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