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No insider purchase over the last 90 days. The latest was filed 28 May 2026.
Exzeo Group, Inc.: what insiders have been doing
This page follows insider dealings at Exzeo Group, Inc. as filed with SEC (Form 4), a company from the Banks sector. The last twelve months, up to 18 October 2026, brought 51 filings signed by 8 insiders.
Every open-market trade in the period is a purchase: 49 purchases worth €2.8M, from 8 insiders, and not a single sale. Open-market purchases are the filings investors watch most closely, because the insider pays for the shares out of pocket. The buyers include 5 senior executives, 2 chief executives and 1 finance chief. Patel Paresh filed the largest purchase, €913k, on 7 November 2025.
Within a 30-day window, 35 purchases overlapped with buying by a second insider. Such overlaps are known as a cluster signal: distinct people reaching the same decision at about the same time. The latest purchase dates back some time: it was published 143 days ago, on 28 May 2026. Between a trade and the moment it shows up on SEC (Form 4), the median delay is 1 day. Section 16 rules allow two business days to file each Form 4.
Across the 5,810 companies tracked on its exchange, the median is 19 filings; at 51 filings, this issuer sits above that mark. Since 2025, the database holds 49 purchases and no sales by insiders of the company.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and Avidia Bancorp, Inc. also feature in our signals. Source: insider filings from SEC (Form 4). Past trades are no guide to future returns.
Insider Decl.
51
Thresholds
n/a
Buy Volume
€3M
49 ops. · all time
Sell Volume
n/a
n/a
Who traded when
BuySaleParesh Patel39 buys
Brook Armstrong Baker2 buys
James J. Macchiarola2 buys
Kevin Andrew Mitchell2 buys
Robert A. Lopes Jr.2 buys
Irene Hurst1 buy
+2 other insiders
Since the insiders bought
- +14.3%Entry US$13.85 · Close 14 Oct 2026 US$15.83
- +8.9%Entry US$14.54 · Close 14 Oct 2026 US$15.83
- +2.4%Entry US$15.46 · Close 14 Oct 2026 US$15.83
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 1,545 of 24,158 companies
77.3
score / 100
Value63
Quality91
FCF yld7.1%
Earn yld6.0%
EV/EBITDA12.2x
ROE50%
Gross mgn60%
Net mgn38%
Debt/EBITDA0.1x
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$15.31
Analyst consensus
2 analysts1.33/5
US$25.00Target US$26.00(+70%)US$27.00
Income statement
RevenueUS$217M
Gross profitUS$131M60% margin
EBITDAUS$113.2M52% margin
Net incomeUS$82.7M37.7% margin
Valuation
PER (trailing)14.9x
PER (forward)13.3x
P/Book5.1x
Balance sheet & cash
Market capUS$1.4B
Total debtUS$7.2M
Free Cash FlowUS$97.5M
Debt / Equity2%
Profitability & ownership
ROE50.4%
ROA26.6%
% insiders87.2%
% institutions7.2%
Last declaration on 28 May 2026
Declarations51 total
2,000 shares@ US$13.670.0019% mcap1.3% of flowCommon StockSEC:0001193125-26-245267:0
Canonical exit: 25 Aug 2026 (T+90)
2,000 shares@ US$13.260.0018% mcap1.2% of flowCommon StockSEC:0001193125-26-241918:0
Canonical exit: 24 Aug 2026 (T+90)
2,000 shares@ US$13.330.0018% mcap1.3% of flowCommon StockSEC:0001193125-26-234438:0
Canonical exit: 18 Aug 2026 (T+90)
2,000 shares@ US$13.750.0019% mcap1.3% of flowCommon StockSEC:0001193125-26-226798:0
Canonical exit: 12 Aug 2026 (T+90)
2,000 shares@ US$13.550.0019% mcap1.3% of flowCommon StockSEC:0001193125-26-224071:0
Canonical exit: 11 Aug 2026 (T+90)
2,000 shares@ US$13.850.0019% mcap1.3% of flowCommon StockSEC:0001193125-26-221665:0
Canonical exit: 10 Aug 2026 (T+90)
2,000 shares@ US$15.910.0018% mcap1.5% of flowCommon StockSEC:0001193125-26-201471:0
Canonical exit: 29 Jul 2026 (T+90)
2,000 shares@ US$16.220.0019% mcap1.5% of flowCommon StockSEC:0001193125-26-197334:0
Canonical exit: 28 Jul 2026 (T+90)
2,000 shares@ US$16.680.0019% mcap1.6% of flowCommon StockSEC:0001193125-26-191622:0
Canonical exit: 27 Jul 2026 (T+90)
2,000 shares@ US$16.880.0019% mcap1.6% of flowCommon StockSEC:0001193125-26-187098:0
Canonical exit: 26 Jul 2026 (T+90)
2,000 shares@ US$16.210.0019% mcap1.5% of flowCommon StockSEC:0001193125-26-182128:0
Canonical exit: 23 Jul 2026 (T+90)
2,000 shares@ US$16.620.0019% mcap1.6% of flowCommon StockSEC:0001193125-26-177295:0
Canonical exit: 22 Jul 2026 (T+90)
2,000 shares@ US$16.460.0019% mcap1.5% of flowCommon StockSEC:0001193125-26-173740:0
Canonical exit: 21 Jul 2026 (T+90)
2,000 shares@ US$17.480.0020% mcap1.6% of flowCommon StockSEC:0001193125-26-170445:0
Canonical exit: 19 Jul 2026 (T+90)
2,000 shares@ US$17.280.0020% mcap1.6% of flowCommon StockSEC:0001193125-26-170445:1
Canonical exit: 20 Jul 2026 (T+90)
2,000 shares@ US$16.940.0019% mcap1.6% of flowCommon StockSEC:0001193125-26-164021:0
Canonical exit: 16 Jul 2026 (T+90)
2,000 shares@ US$16.760.0019% mcap1.6% of flowCommon StockSEC:0001193125-26-161710:0
Canonical exit: 15 Jul 2026 (T+90)
2,000 shares@ US$16.430.0019% mcap1.5% of flowCommon StockSEC:0001193125-26-159034:0
Canonical exit: 14 Jul 2026 (T+90)
270 shares@ US$16.170.0002% mcap0.2% of flowCommon StockSEC:0001193125-26-157032:0
Canonical exit: 13 Jul 2026 (T+90)
1,434 shares@ US$16.140.0013% mcap1.1% of flowCommon StockSEC:0001193125-26-157032:3
Canonical exit: 13 Jul 2026 (T+90)
130 shares@ US$16.180.0001% mcap0.1% of flowCommon StockSEC:0001193125-26-157032:1
Canonical exit: 13 Jul 2026 (T+90)
166 shares@ US$16.190.0002% mcap0.1% of flowCommon StockSEC:0001193125-26-157032:2
Canonical exit: 13 Jul 2026 (T+90)
2,000 shares@ US$15.130.0017% mcap1.4% of flowCommon StockSEC:0001193125-26-154916:0
Canonical exit: 12 Jul 2026 (T+90)
2,000 shares@ US$15.380.0018% mcap1.4% of flowCommon StockSEC:0001193125-26-152992:0
Canonical exit: 9 Jul 2026 (T+90)
2,000 shares@ US$15.741.5% of flowCommon StockSEC:0001193125-26-151297:0
Canonical exit: 8 Jul 2026 (T+90)
25 of 51 declarations
About Exzeo Group, Inc.
Exzeo Group, Inc. is a U.S.-based insurance technology company listed on the NYSE under the ticker XZO. For investors, it should be viewed primarily as a vertical software and services platform for property and casualty (P&C) insurers, with a strong focus on the homeowners insurance market. The company was originally launched inside HCI Group as an internal technology and innovation division before being reorganized into a standalone company and taken public in November 2025. Its operational headquarters are in Tampa, Florida, United States. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai))
Exzeo’s business model centers on a proprietary “Insurance-as-a-Service” platform designed to digitize and automate core insurance workflows. Its solutions span quoting, underwriting, policy administration, claims handling, data analytics, and financial reporting. In practical terms, the platform helps carriers improve pricing accuracy, streamline operations, and make better underwriting decisions using integrated data and workflow tools. Management emphasizes that the platform is internally built, which can support tighter product control, faster iteration, and deeper integration across the insurance value chain. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai))
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From a competitive standpoint, Exzeo is positioned as a specialized provider rather than a broad horizontal software vendor. Its differentiation appears to come from its focus on P&C carriers, its concentration on the homeowners segment, and its ability to onboard new carrier partners onto a single operating platform. That specialization may matter in insurance, where regulatory complexity, claims discipline, and underwriting precision are key operating advantages. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai))
Recent developments point to a business that is still in an early public-market growth phase but already showing operating traction. Exzeo completed its IPO in November 2025 on the NYSE. It then reported full-year 2025 and first-quarter 2026 results that showed higher revenue, stronger pre-tax income, and growth in managed premium. Management also disclosed the addition of a sixth insurance company in Q4 2025 and a seventh insurance company in Q1 2026, indicating continued customer expansion and platform adoption. HCI Group, Exzeo’s controlling shareholder, has described the listing as part of a broader effort to unlock shareholder value. ([nasdaq.com](https://www.nasdaq.com/press-release/exzeo-group-inc-announces-closing-initial-public-offering-2025-11-06?utm_source=openai))
Geographically, Exzeo’s footprint is still primarily U.S.-centric, reflecting its roots in the domestic homeowners and P&C insurance market. For French-speaking investors, the investment case is best understood as a combination of insurance software, embedded services, and platform economics, with growth tied to carrier adoption, product expansion, and the broader modernization of insurance operations in the United States. ([investors.exzeo.com](https://investors.exzeo.com/?utm_source=openai))
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