Exzeo Group (XZO) Q2 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure
Key numbers
- Adjusted EPS
- $0.26
- Estimate
- $0.24
- Surprise
- +8.3%
- Revenue (period 2026-06-30)
- $57.8M
- Score today
- 6.1/10
Revenue source: xbrl.
How the report landed
Exzeo Group (XZO) beat the $0.24 estimate with adjusted EPS of $0.26 — a clear 8.3% upside surprise.
Where TrendMatrix's rating stands now
TrendMatrix currently rates XZO Buy (Wait) at 6.1/10; no pre/post engine snapshot brackets this report.
2 of the last 3 quarters beat the estimate; this quarter's +8.3% surprise compares with a +16.7% four-quarter average. Next scheduled report: 2026-11-05.
What supports the rating
- V7 flight-to-quality bonus: +0.5 (Q=8.5 in RISK_OFF)
- Sector modifier (Financial Services): +1.0
What argues against it
- Concentration risk — Customer: HCI-affiliated customers
- Below 200-MA, MA slope -2.4%/30d (confirmed downtrend)
- Death cross — 50-day MA below 200-day MA
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $15.83
- Entry target
- $15.10
- Price target
- $22.10
- Stop
- $14.04
- Upside to target
- +39.6%
- Reward-to-risk
- 2.8:1
The stock trades at 16.6× trailing but 13.9× forward earnings — consensus estimates already build in a substantial earnings recovery.
Model outputs from TrendMatrix’s engine as of 2026-10-15 — shown for context, not personalized investment advice.
XZO at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Insurance - Diversified
- Market cap
- $1.44B
- P/E (fwd)
- 13.9
- P/E (ttm)
- 16.6
- 52-week range
- $12.36–$24.60
- Off 52-week high
- 35.7%
- RSI (14)
- 52
- Volume vs avg
- 0.32×
- Score today
- 6.1/10