Exzeo Group, Inc. (XZO) — Inside-Filings

Ticker	XZO	Börse	NYSE
ISIN	US30234F1012	CIK	0001873951

Glück Conviction Score™ ⓘ

XZO Exzeo Group, Inc.

Conviction Score

Neutral

Effektiv: Neutral Niedrig

Bedeutung der Einstufung ⓘ

Insider

65,0

2 Insider, 494K $ Volumen

Institutionell

49,1

35 neu, 15 erhöht, -84226K $ netto

Aktivist

59,7

Kein 13D/13G

Risikofreier Zins (T-Bills): 3,69% (Stand: 31.05.2026)

Score-Verlauf (90 Tage)

Farbzonen = Stärkestufen (Sehr schwach … Sehr stark). Exit-Score unter der Schwelle = Timing-Ausstieg. Komponenten per Legende einblenden.

Kursverlauf (12 Monate)

Technische Indikatoren

Technical-Score basiert auf 12 Indikatoren (Trend, Momentum, Volatilität, Position) mit fixen Gewichten — wird aktuell nur informativ angezeigt und fließt nicht in den Glück Conviction Score ein. Integration nach Backtest-Kalibrierung (P5).

Indikator	Signal	Gewicht	Wert	Detail
Kurs vs SMA50	Bärisch	10 %	14.77	-11.3 % vs SMA50
EMA20 vs EMA50	Bärisch	5 %	13.60	EMA50: 14.45
MACD-Histogramm	Bullisch	10 %	0.050	Bullisch
RSI(14)	Neutral	10 %	42.7	Neutral (30–70)
Stoch %K(14)	Neutral	5 %	32.5	Neutral
ADX(14)+DI	Neutral	10 %	20.0	+DI: 14.4 / −DI: 21.5
Z-Score(60)	Neutral	5 %	-1.16	In Range
52W-Position	Bärisch	5 %	4.7 %	Hoch 24.25 / Tief 12.55
Bollinger(20,2σ)	Neutral	5 %	34.0 %	Upper 14.40 / Mid 13.41 / Lower 12.43
LinReg-Slope(60)	Neutral	10 %	-0.0392	R²=0.23 / annualisiert -67.1 %

Insider-Transaktionen (12 Monate) ⓘ

Datum	Insider	Rolle	Typ	Stückzahl	Kurs	Wert (USD)	Δ
2026-05-27	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,67	27.340,00	+48,2%
2026-05-26	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,26	26.520,00	+46,7%
2026-05-22	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	12,92	25.840,00	+45,5%
2026-05-21	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	12,82	25.640,00	+45,2%
2026-05-20	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,33	26.660,00	+47,0%
2026-05-19	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,69	27.380,00	+48,3%
2026-05-18	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,93	27.860,00	+49,1%
2026-05-15	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	1.500	13,72	20.580,00	+36,3%
2026-05-15	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	500	13,55	6.775,00	+11,9%
2026-05-14	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,75	27.500,00	+48,5%
2026-05-13	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,55	27.100,00	+47,8%
2026-05-12	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,85	27.700,00	+48,8%
2026-05-11	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,99	27.980,00	+49,3%
2026-05-08	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,52	27.040,00	+47,7%
2026-05-07	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,11	30.220,00	+53,3%
2026-05-06	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	1.656	17,31	28.665,36	+50,5%
2026-05-06	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	344	17,33	5.961,52	+10,5%
2026-05-05	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	1.500	17,13	25.695,00	+45,3%
2026-05-05	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	500	17,05	8.525,00	+15,0%
2026-05-04	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	300	16,47	4.941,00	+8,7%
2026-05-04	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	1.200	16,61	19.932,00	+35,1%
2026-05-04	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	400	16,51	6.604,00	+11,6%
2026-05-04	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	100	16,52	1.652,00	+2,9%
2026-05-01	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,53	33.060,00	+58,3%
2026-04-30	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,91	31.820,00	+56,1%
2026-04-29	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,22	32.440,00	+57,2%
2026-04-28	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,68	33.360,00	+58,8%
2026-04-27	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,88	33.760,00	+59,5%
2026-04-24	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,21	32.420,00	+57,1%
2026-04-23	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,62	33.240,00	+58,6%
2026-04-22	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,46	32.920,00	+58,0%
2026-04-21	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	17,28	34.560,00	+60,9%
2026-04-20	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	17,48	34.960,00	+61,6%
2026-04-17	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,94	33.880,00	+59,7%
2026-04-16	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,76	33.520,00	+59,1%
2026-04-15	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,43	32.860,00	+57,9%
2026-04-14	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	1.434	16,14	23.144,76	+40,8%
2026-04-14	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	130	16,18	2.103,40	+3,7%
2026-04-14	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	166	16,19	2.687,54	+4,7%
2026-04-14	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	270	16,17	4.365,90	+7,7%
2026-04-13	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,13	30.260,00	+53,3%
2026-04-10	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,38	30.760,00	+54,2%
2026-04-09	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,74	31.480,00	+55,5%
2026-04-08	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,05	30.100,00	+53,1%
2026-04-07	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,22	28.440,00	+50,1%
2026-04-06	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,26	28.520,00	+50,3%
2026-04-02	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,79	27.580,00	+48,6%
2026-04-01	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,94	29.880,00	+52,7%
2026-03-31	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,44	28.880,00	+50,9%
2026-03-30	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,08	28.160,00	+49,6%
2026-03-27	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	13,89	27.780,00	+49,0%
2026-03-26	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,52	29.040,00	+51,2%
2026-03-25	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,81	29.620,00	+52,2%
2026-03-24	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,99	29.980,00	+52,8%
2026-03-23	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	14,93	29.860,00	+52,6%
2026-03-23	Macchiarola James J	Director	Open Market Purchase	4.000	15,12	60.480,00	+106,6%
2026-03-20	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,50	31.000,00	+54,6%
2026-03-19	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,36	30.720,00	+54,1%
2026-03-18	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	16,30	32.600,00	+57,5%
2026-03-17	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	2.000	15,68	31.360,00	+55,3%
2026-03-09	Lopes Robert A. Jr.	Director	Open Market Purchase	2.500	15,35	38.375,00	+67,6%
2025-12-18	Bulku Suela	Officer, Chief Financial Officer	Open Market Purchase	10.020	19,58	196.191,60	+345,8%
2025-12-18	Baker Brook Armstrong	Officer, General Counsel	Open Market Purchase	10.020	19,58	196.191,60	+345,8%
2025-12-18	Mitchell Kevin Andrew	Director, Officer, President	Open Market Purchase	12.510	19,58	244.945,80	+431,8%
2025-11-06	Spencer Loreen M	Director	Open Market Purchase	4.000	21,00	84.000,00	+148,1%
2025-11-06	Baker Brook Armstrong	Officer, General Counsel	Open Market Purchase	1.000	21,00	21.000,00	+37,0%
2025-11-06	Macchiarola James J	Director	Open Market Purchase	20.000	21,00	420.000,00	+740,3%
2025-11-06	Baker Brook Armstrong	Officer, General Counsel	Open Market Purchase	1.000	21,00	21.000,00	+37,0%
2025-11-06	Bulku Suela	Officer, Chief Financial Officer	Open Market Purchase	1.000	21,00	21.000,00	+37,0%
2025-11-06	Mitchell Kevin Andrew	Director, Officer, President	Open Market Purchase	1.000	21,00	21.000,00	+37,0%
2025-11-06	Hurst Irene	Director	Open Market Purchase	2.000	21,00	42.000,00	+74,0%
2025-11-06	Lopes Robert A. Jr.	Director	Open Market Purchase	10.000	21,00	210.000,00	+370,2%
2025-11-06	Patel Paresh	Director, Officer, Chief Executive Officer	Open Market Purchase	50.000	21,00	1.050.000,00	+1850,8%

Fondsaktivität (Vorquartalsvergleich) ⓘ

Fonds	Aktuell (Stk)	Vorquartal (Stk)	Veränderung (Stk)	Wert (USD)	Status	Δ
Philadelphia Financial Management of San Francisco, LLC	710.000	0	710.000	17.217.500	Neu	+100,0%
Hood River Capital Management LLC	442.568	0	442.568	10.732.274	Neu	+100,0%
JANUS HENDERSON GROUP PLC	703.304	618.178	85.126	10.317.470	Aufgestockt	+13,8%
FJ Capital Management LLC	682.440	237.856	444.584	10.011.395	Aufgestockt	+186,9%
GOLDMAN SACHS GROUP INC	604.273	517.566	86.707	8.864.684	Aufgestockt	+16,8%
JENNISON ASSOCIATES LLC	574.917	581.262	-6.345	8.434.034	Reduziert	-1,1%
DRIEHAUS CAPITAL MANAGEMENT LLC	529.752	548.432	-18.680	7.771.462	Reduziert	-3,4%
Whetstone Capital Advisors, LLC	411.353	184.753	226.600	6.034.549	Aufgestockt	+122,7%
ESSEX INVESTMENT MANAGEMENT CO LLC	288.111	291.076	-2.965	4.226.588	Reduziert	-1,0%
BlackRock, Inc.	274.710	0	274.710	4.029.996	Neu	+100,0%
MILLENNIUM MANAGEMENT LLC	156.641	0	156.641	3.798.544	Neu	+100,0%
JANE STREET GROUP, LLC	247.803	48.954	198.849	3.635.270	Aufgestockt	+406,2%
Holocene Advisors, LP	214.426	0	214.426	3.145.629	Neu	+100,0%
Portolan Capital Management, LLC	209.885	405.014	-195.129	3.079.013	Reduziert	-48,2%
TWO SIGMA INVESTMENTS, LP	198.429	12.000	186.429	2.910.953	Aufgestockt	+1553,6%
Ophir Asset Management Pty Ltd	192.277	985.845	-793.568	2.820.704	Reduziert	-80,5%
MARSHALL WACE, LLP	188.451	111.565	76.886	2.764.574	Aufgestockt	+68,9%
RENAISSANCE TECHNOLOGIES LLC	167.618	0	167.618	2.458.956	Neu	+100,0%
BALYASNY ASSET MANAGEMENT L.P.	100.000	0	100.000	2.425.000	Neu	+100,0%
Atom Investors LP	160.196	160.343	-147	2.350.075	Reduziert	-0,1%
FEDERATED HERMES, INC.	145.000	100.000	45.000	2.127.150	Aufgestockt	+45,0%
Schonfeld Strategic Advisors LLC	85.083	0	85.083	2.063.262	Neu	+100,0%
HBK INVESTMENTS L P	80.000	0	80.000	1.940.000	Neu	+100,0%
D. E. Shaw & Co., Inc.	75.010	0	75.010	1.818.993	Neu	+100,0%
Zimmer Partners, LP	75.000	0	75.000	1.818.750	Neu	+100,0%
CITADEL ADVISORS LLC	113.748	440.000	-326.252	1.668.683	Reduziert	-74,1%
VICTORY CAPITAL MANAGEMENT INC	109.358	121.248	-11.890	1.604.282	Reduziert	-9,8%
SEI INVESTMENTS CO	107.490	156.221	-48.731	1.576.878	Reduziert	-31,2%
SEVEN GRAND MANAGERS, LLC	100.000	150.000	-50.000	1.467.000	Reduziert	-33,3%
Alden Global Capital LLC	98.005	122.507	-24.502	1.437.733	Reduziert	-20,0%
GEODE CAPITAL MANAGEMENT, LLC	94.378	0	94.378	1.384.524	Neu	+100,0%
Ionic Capital Management LLC	79.055	13.519	65.536	1.159.737	Aufgestockt	+484,8%
BlueCrest Capital Management Ltd	40.000	0	40.000	970.000	Neu	+100,0%
Longaeva Partners L.P.	38.000	0	38.000	921.500	Neu	+100,0%
Legato Capital Management LLC	59.930	60.828	-898	879.173	Reduziert	-1,5%
BANK OF AMERICA CORP /DE/	58.695	50.000	8.695	861.056	Aufgestockt	+17,4%
STATE STREET CORP	55.183	0	55.183	809.535	Neu	+100,0%
Boston Partners	54.998	0	54.998	806.820	Neu	+100,0%
Nuveen, LLC	49.222	0	49.222	722.087	Neu	+100,0%
Y-Intercept (Hong Kong) Ltd	46.196	0	46.196	677.695	Neu	+100,0%
UBS Group AG	44.527	7.631	36.896	653.211	Aufgestockt	+483,5%
NORTHERN TRUST CORP	39.051	0	39.051	572.879	Neu	+100,0%
Verition Fund Management LLC	21.923	0	21.923	531.633	Neu	+100,0%
XTX Topco Ltd	31.250	0	31.250	458.438	Neu	+100,0%
Qube Research & Technologies Ltd	15.893	0	15.893	385.405	Neu	+100,0%
PARSONS CAPITAL MANAGEMENT INC/RI	25.000	17.500	7.500	366.750	Aufgestockt	+42,9%
Quadrature Capital Ltd	22.895	0	22.895	335.870	Neu	+100,0%
State of Wyoming	22.735	0	22.735	333.522	Neu	+100,0%
MORGAN STANLEY	22.733	8.148	14.585	333.493	Aufgestockt	+179,0%
TRUIST FINANCIAL CORP	17.500	0	17.500	256.725	Neu	+100,0%

Top-Fondshalter (Stand: 31.03.2026) ⓘ

Fonds	Anteile	Vorquartal (Stk)	Δ	Wert (USD)	Anteil (%)
JANUS HENDERSON GROUP PLC	703.304	618.178	+13,8%	10.317.470	9,85
FJ Capital Management LLC	682.440	237.856	+186,9%	10.011.395	9,56
GOLDMAN SACHS GROUP INC	604.273	517.566	+16,8%	8.864.684	8,47
JENNISON ASSOCIATES LLC	574.917	581.262	-1,1%	8.434.034	8,05
DRIEHAUS CAPITAL MANAGEMENT LLC	529.752	548.432	-3,4%	7.771.462	7,42
Whetstone Capital Advisors, LLC	411.353	184.753	+122,7%	6.034.549	5,76
ESSEX INVESTMENT MANAGEMENT CO LLC	288.111	291.076	-1,0%	4.226.588	4,04
BlackRock, Inc.	274.710	0	+100,0%	4.029.996	3,85
JANE STREET GROUP, LLC	247.803	48.954	+406,2%	3.635.270	3,47
Holocene Advisors, LP	214.426	0	+100,0%	3.145.629	3,00
Portolan Capital Management, LLC	209.885	405.014	-48,2%	3.079.013	2,94
TWO SIGMA INVESTMENTS, LP	198.429	12.000	+1553,6%	2.910.953	2,78
Ophir Asset Management Pty Ltd	192.277	985.845	-80,5%	2.820.704	2,69
MARSHALL WACE, LLP	188.451	111.565	+68,9%	2.764.574	2,64
RENAISSANCE TECHNOLOGIES LLC	167.618	0	+100,0%	2.458.956	2,35
Atom Investors LP	160.196	160.343	-0,1%	2.350.075	2,24
FEDERATED HERMES, INC.	145.000	100.000	+45,0%	2.127.150	2,03
CITADEL ADVISORS LLC	113.748	440.000	-74,1%	1.668.683	1,59
VICTORY CAPITAL MANAGEMENT INC	109.358	121.248	-9,8%	1.604.282	1,53
SEI INVESTMENTS CO	107.490	156.221	-31,2%	1.576.878	1,51

Halter-Trend (6 Quartale)

Periode	Status	Halter	Anteile (Mio)	Wert (Mio $)
31.03.2026	✓	64	7,9	116
31.12.2025	✓	41	8,4	202

Top 10 Neueinsteiger

Fonds	Anteile	Wert (USD) ⓘ
Ophir Asset Management Pty Ltd	985.845	23.906.741
Philadelphia Financial Management of San Francisco, LLC	710.000	17.217.500
JANUS HENDERSON GROUP PLC	618.178	14.990.817
JENNISON ASSOCIATES LLC	581.262	14.095.608
DRIEHAUS CAPITAL MANAGEMENT LLC	548.432	13.299.476
GOLDMAN SACHS GROUP INC	517.566	12.550.976
Hood River Capital Management LLC	442.568	10.732.274
CITADEL ADVISORS LLC	440.000	10.670.000
Portolan Capital Management, LLC	405.014	9.821.590
ESSEX INVESTMENT MANAGEMENT CO LLC	291.076	7.058.593

Top 10 Aufstocker

Keine Aufstocker.

Top 10 Verkäufer

Keine Verkaeufer.

Aktivisten & Großaktionäre (13D/13G) ⓘ

Datum	Investor	Typ	Anteil	Aktien	Δ	Zweck
13.02.2026	Paresh Patel	Passiv (13G)	6,86 %	6.572.013	Neu
13.02.2026	HCI Group, Inc.	Passiv (13G)	82,60 %	75.000.000	Neu

Stammdaten

Exzeo Group, Inc. bietet schlüsselfertige Versicherungstechnologie- und Operationslösungen für Versicherungsträger und Agenten an. Das Unternehmen bietet eine Insurance-as-a-Service-(IaaS)-Plattform, die Lösungen für operationelle und administrative Aktivitäten wie Quotierung und Versicherungsübernahme, Policenverwaltung, Schadensbearbeitung, Datenmeldung und Finanzberichterstattung bietet. Es bedient die Sachversicherungsbranche. Das Unternehmen war früher unter dem Namen TypTap Insurance Group, Inc. bekannt. Exzeo Group, Inc. wurde 2012 gegründet und hat seinen Sitz in Tampa, Florida. Exzeo Group, Inc. operiert als Tochterunternehmen von HCI Group, Inc.

Unternehmen & Branche

Name	Exzeo Group, Inc.
Ticker	XZO
CIK	0001873951
Boerse	NYSE
Sektor	Financial Services
Industrie	Insurance - Diversified
SIC	7372 · Services-Prepackaged Software

Wertpapier & Kennzahlen

CUSIP	30234F101
ISIN	US30234F1012
Typ	Common Stock
Marktkapitalisierung	1,21 Mrd. USD
KGV (P/E)	13,49

Bewertung

KBV (P/B)	4,78
KUV (P/S)	5,60
EV/EBITDA	8,5
FCF-Rendite	8,3 %
Buyback-Rendite	0,1 %

Qualität & Bilanz

Bruttomarge	60,4 % vs. 19,6 % (2023) ▲
Operative Marge	48,8 % vs. 2,9 % (2023) ▲
Nettomarge	38,1 % vs. 24,3 % (2023) ▲
ROIC	31,7 %
Nettoverschuldung/EBITDA	-2,8

Basis: SEC-XBRL-Jahresabschluss bis 31.12.2025, Multiples mit aktueller Marktkapitalisierung (trailing), Vergleich: GJ bis 2023. Kennzahlen erklärt →

Kennzahlen-Historie (5 Jahre) – Tabelle & Verlauf

Kennzahl	2023	2024	2025
Qualität & Bilanz
Bruttomarge	19,6 %	39,7 %	60,4 %
Operative Marge	2,9 %	28,4 %	48,8 %
Nettomarge	24,3 %	33,8 %	38,1 %
ROIC	–	190,0 %	31,7 %
Nettoverschuldung/EBITDA	–	-1,1	-2,8

Basis: SEC-XBRL-Jahresabschlüsse, Multiples je Geschäftsjahr mit Marktkapitalisierung zum Bilanzstichtag (point-in-time).

Externe Quelle: SEC EDGAR »
Externe Links: Yahoo Finance » · OnVista »

Finanzkennzahlen (SEC XBRL) ⓘ

Periode	Filing	Umsatz	Nettoergebnis	EPS	Aktiva	Eigenkapital
2026-03-31	10-Q	55.534.000	20.406.000	0,22	379.768.000	274.941.000
2025-12-31	10-K	216.980.000	82.749.000	0,99	347.734.000	254.156.000
2025-09-30	10-Q	55.166.000	21.151.000	0,25	182.254.000	78.432.000
2025-03-31	10-Q	52.407.000	17.951.000	0,22
2024-12-31	10-K	133.948.000	45.321.000	0,44	89.441.000	15.507.000
2024-09-30	10-Q	29.110.000	5.257.000	0,06
2023-12-31	10-K	88.333.000	21.462.000	0,15

Umsatz nach Segmenten & Regionen ⓘ

Geschäftssegmente

Segment	FY 2025	FY 2024	FY 2023	Anteil	Δ
Underwriting And Management Services	176,4 Mio.	95,4 Mio.	61,4 Mio.	81,3 %	+84,9%
Claim Services	31,2 Mio.	30,8 Mio.	19,9 Mio.	14,4 %	+1,2%
Technology Service	9,5 Mio.	7,8 Mio.	7,0 Mio.	4,4 %	+21,3%

Quartalsergebnisse (Earnings) ⓘ

Quartal	Stichtag	Verkündet	Umsatz	EPS
Q1 2026	31.03.2026	07.05.2026	55,5 Mio. USD	0,22
Q3 2025	30.09.2025	11.12.2025	55,2 Mio. USD	0,25
Q1 2025	31.03.2025	07.05.2026	52,4 Mio. USD	0,22
Q3 2024	30.09.2024	11.12.2025	29,1 Mio. USD	0,06

Einreichungs-Historie (10-K / 10-Q)

SEC-Einreichungs-Historie der Quartalsberichte (10-Q) und Jahresberichte (10-K) der letzten sechs Jahre. Die Spalte „Verzögerung" zeigt die Tage zwischen Berichtsstichtag und tatsächlicher Einreichung. Suffix /A kennzeichnet nachträgliche Berichtigungen.

Eingereicht	Form	Berichtsperiode	Verzögerung
15.05.2026	10-Q/A	–	–	SEC »
07.05.2026	10-Q	–	–	SEC »
26.02.2026	10-K	31.12.2025	57 Tage	SEC »
11.12.2025	10-Q	30.09.2025	72 Tage	SEC »

Filing-Analyse (10-K / 10-Q)

Narrative-Analyse der letzten Quartals-/Jahresberichte durch Claude (nur Coverage-Gruppen-Mitglieder). Keine Anlageberatung — der qualitative Score dient der Einordnung, nicht als Kaufempfehlung; siehe allgemeiner Hinweis am Seitenende.

Datum	Form	Stimmung	Guidance	Qualitativ	Zusammenfassung
11.12.2025	10-Q	0,48	?	65,0	Exzeo Group erzielte im dritten Quartal 2025 ein herausragendes Umsatzwachstum von 89,5 % auf 55,2 Mio. USD sowie eine dramatische Margenver…
Zusammenfassung: Exzeo Group erzielte im dritten Quartal 2025 ein herausragendes Umsatzwachstum von 89,5 % auf 55,2 Mio. USD sowie eine dramatische Margenverbesserung (Bruttomarge: 61,2 % vs. 38,2 % VJ), mit einem Adjusted-EBITDA-Margin von 54,9 % und einem ARR von 192,4 Mio. USD. Die operativen Kennzahlen sind beeindruckend – Net Dollar Retention von 242,1 % und starker Free Cashflow (89,0 Mio. USD in 9M 2025) –, jedoch stammen nahezu sämtliche Umsätze von HCI-verbundenen Unternehmen, was ein strukturelles Klumpenrisiko darstellt. Die Brutto-Dollar-Retentionsrate sank spürbar von 95,9 % auf 87,9 %, und die geografische Konzentration auf Florida (~90 % der Managed Premiums) sowie die Abhängigkeit von ereignisbedingten CAT-Erlösen trüben das sonst sehr positive Bild. Spezifische quantitative Guidance für künftige Perioden wurde nicht gegeben. Guidance-Zitate: We expect gross margins to improve over time. We believe that our existing cash and cash equivalents, together with expected operating cash flows, will be sufficient to meet working capital, capital expenditures, and other liquidity requirements for at least the next 12 months. We expect to apply our highly scalable model nationally, using a tailored approach in each state that reflects its regulatory environment and local market dynamics. State expansion should create a broader base from which to grow premiums and increase the geographic diversity in the policyholder base and risk portfolio that we manage. CAT related software activity is event driven and may not occur at similar levels in future periods. Red Flags: customer_concentration SEC-Filing »

Kritische 8-K Meldungen ⓘ

Datum	Meldung	Schwere	Filing	Auszug
22.12.2025	Item 5.02 — Abgang Schlüsselpersonen	HOCH	SEC	Item 5.02 Compensatory Arrangements of Certain Officers On December 19, 2025, our compensation committee awarded cash…

Fail-to-Deliver (6 Monate) ⓘ

Datum	FTD-Menge	Kurs	Wert (USD)
2026-05-13	1.855	13,76	25.525
2026-05-08	219	13,94	3.053
2026-03-30	221	13,73	3.034
2026-03-27	1.577	14,00	22.078
2026-03-23	23.846	14,71	350.775
2026-03-19	274	15,16	4.154
2026-03-09	2.030	15,45	31.364
2026-02-24	1.158	15,52	17.972
2026-02-18	950	15,25	14.488
2026-02-04	36	18,49	666
2026-01-09	3.231	22,10	71.405
2026-01-05	3.009	22,76	68.485
2025-12-31	10.590	23,89	252.995
2025-12-29	40	22,56	902
2025-12-22	456	20,72	9.448
2025-12-19	294	19,58	5.757
2025-12-17	1.720	19,17	32.972
2025-12-15	896	19,75	17.696