Home › Stock analysis › XZO
Exzeo (XZO) Stock: Why It's Down Today
Updated Oct 19, 2026, 4:00 PM ET · closing price
What changed since yesterday
- Closed at $16.37, -1.92% vs the prior close of $16.69.
- Volume 166.42K shares, 0.5x its 50-day average (light).
- No new SEC filings since the prior session.
- No new insider buys or sales reported since the prior session.
XZO dips 1.9% to $16.37. Closed at $16.37, -1.92% vs the prior close of $16.69. Day range $16.22–$16.68, opened at $16.60.
Last close$16.37-1.92%
Day range16.22–16.68
Open16.60
Volume166.42K
52-week range12.36–24.60
Avg volume (20d)349.78K
XZO daily analysis — what happened
A plain-English, data-only note for every US trading day (today's note updates every 2 hours while the market is open). Newest first; older days stay archived below.
Oct 19, 2026 — XZO dips 1.9% to $16.37
- Closed at $16.37, -1.92% vs the prior close of $16.69. Day range $16.22–$16.68, opened at $16.60.
- Volume was 166.42K shares, 0.5x its 50-day average of 310.01K — lighter than usual.
- Price is +2.2% vs its 50-day average ($16.02) and +1.0% vs its 200-day average ($16.21).
- 52-week range $12.36–$24.60; today's close sits at 33% of that range, 33.5% below the 52-week high.
Oct 16, 2026 — XZO ends flat (+0.0%) to $16.69
- Closed at $16.69, +0.00% vs the prior close of $16.69. Day range $16.33–$16.81, opened at $16.69.
- Volume was 160.75K shares, 0.5x its 50-day average of 309.06K — lighter than usual.
- Price is +4.3% vs its 50-day average ($16.00) and +2.7% vs its 200-day average ($16.25).
- 52-week range $12.36–$24.60; today's close sits at 35% of that range, 32.2% below the 52-week high.
Oct 15, 2026 — XZO jumps 5.4% to $16.69
- Closed at $16.69, +5.43% vs the prior close of $15.83. Day range $15.34–$16.81, opened at $16.00.
- Volume was 244.60K shares, 0.8x its 50-day average of 305.90K.
- Price is +4.3% vs its 50-day average ($15.99) and +2.5% vs its 200-day average ($16.29).
- 52-week range $12.36–$24.60; today's close sits at 35% of that range, 32.2% below the 52-week high.
Oct 14, 2026 — XZO dips 0.8% to $15.83
- Closed at $15.83, -0.81% vs the prior close of $15.96. Day range $15.55–$15.94, opened at $15.77.
- Volume was 142.50K shares, 0.5x its 50-day average of 305.20K — lighter than usual.
- Price is -1.0% vs its 50-day average ($15.98) and -3.0% vs its 200-day average ($16.32).
- 52-week range $12.36–$24.60; today's close sits at 28% of that range, 35.7% below the 52-week high.
Oct 13, 2026 — XZO dips 0.4% to $15.96
- Closed at $15.96, -0.44% vs the prior close of $16.03. Day range $15.87–$16.46, opened at $16.23.
- Volume was 198.80K shares, 0.7x its 50-day average of 303.36K.
- Price is -0.2% vs its 50-day average ($15.99) and -2.4% vs its 200-day average ($16.36).
- 52-week range $12.36–$24.60; today's close sits at 29% of that range, 35.1% below the 52-week high.
Oct 12, 2026 — XZO rises 0.3% to $16.03, 4 up days in a row
- Closed at $16.03, +0.31% vs the prior close of $15.98. Day range $15.75–$16.10, opened at $15.85.
- Volume was 131.50K shares, 0.4x its 50-day average of 302.67K — lighter than usual.
- Price is +0.2% vs its 50-day average ($15.99) and -2.2% vs its 200-day average ($16.39).
- 52-week range $12.36–$24.60; today's close sits at 30% of that range, 34.8% below the 52-week high.
- That makes 4 straight gains.
Oct 9, 2026 — XZO rises 0.6% to $15.98, 3 up days in a row
- Closed at $15.98, +0.57% vs the prior close of $15.89. Day range $15.61–$16.12, opened at $15.76.
- Volume was 222.80K shares, 0.7x its 50-day average of 300.19K.
- Price is -0.0% vs its 50-day average ($15.98) and -2.7% vs its 200-day average ($16.43).
- 52-week range $12.36–$24.60; today's close sits at 30% of that range, 35.0% below the 52-week high.
- That makes 3 straight gains.
Oct 8, 2026 — XZO jumps 4.4% to $15.89
- Closed at $15.89, +4.40% vs the prior close of $15.22. Day range $15.03–$15.90, opened at $15.13.
- Volume was 271.30K shares, 0.9x its 50-day average of 297.16K.
- Price is -0.6% vs its 50-day average ($15.98) and -3.5% vs its 200-day average ($16.46).
- 52-week range $12.36–$24.60; today's close sits at 29% of that range, 35.4% below the 52-week high.
Oct 7, 2026 — XZO rises 1.2% to $15.22
- Closed at $15.22, +1.20% vs the prior close of $15.04. Day range $14.70–$15.30, opened at $14.84.
- Volume was 265.30K shares, 0.9x its 50-day average of 294.28K.
- Price is -4.8% vs its 50-day average ($15.99) and -7.7% vs its 200-day average ($16.48).
- 52-week range $12.36–$24.60; today's close sits at 23% of that range, 38.1% below the 52-week high.
Oct 6, 2026 — XZO dips 2.3% to $15.04
- Closed at $15.04, -2.27% vs the prior close of $15.39. Day range $14.46–$15.75, opened at $15.75.
- Volume was 413.20K shares, 1.4x its 50-day average of 287.73K.
- Price is -6.1% vs its 50-day average ($16.01) and -8.9% vs its 200-day average ($16.50).
- 52-week range $12.36–$24.60; today's close sits at 22% of that range, 38.9% below the 52-week high.
Oct 5, 2026 — XZO jumps 6.9% to $15.39 on 3.6x normal volume
- Closed at $15.39, +6.88% vs the prior close of $14.40. Day range $14.23–$15.44, opened at $14.61.
- Volume was 971.20K shares, 3.6x its 50-day average of 270.55K — unusually heavy trading.
- Price is -4.0% vs its 50-day average ($16.03) and -6.8% vs its 200-day average ($16.52).
- 52-week range $12.36–$24.60; today's close sits at 25% of that range, 37.4% below the 52-week high.
Oct 2, 2026 — XZO ends flat (-0.3%) to $14.40, a 3-month low on 3.7x normal volume
- Closed at $14.40, -0.28% vs the prior close of $14.44. Day range $13.62–$14.58, opened at $14.58.
- Volume was 948.40K shares, 3.7x its 50-day average of 254.63K — unusually heavy trading.
- Price is -10.2% vs its 50-day average ($16.03) and -12.9% vs its 200-day average ($16.54).
- 52-week range $12.36–$24.60; today's close sits at 17% of that range, 41.5% below the 52-week high.
- That makes 6 straight losses.
XZO bull case vs bear case (from the data)
Bull case
- Price is +2.2% vs its 50-day average — short-term trend is up.
- Price is +1.0% vs its 200-day average — above the long-term trend line.
- Annual revenue grew 62.0% in the latest fiscal year (SEC XBRL).
- Latest fiscal-year net income: profit of $82.75M.
- Insiders made 25 open-market purchases in the last 12 months.
Bear case
- No clear negative signal in the price trend, filings or insider data right now.
XZO latest news & SEC filings
Every SEC filing by or about XZO in the last 120 days, explained in plain English. Updated daily, with a same-day refresh for new filings.
Aug 14, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 8.01 — Reported other events the company considers important.
Aug 7, 2026 · Form 10-Q — Quarterly report
Quarterly report (unaudited financial statements for the quarter)
Quarter ended Jun 30, 2026:
- Revenue: $57.79M (prior year $56.09M) (+3.0% vs Jun 30, 2025)
- Net income: $23.27M (prior year $21.66M) (+7.4% vs Jun 30, 2025)
- Diluted EPS: $0.26 (prior year $0.26) (+0.0% vs Jun 30, 2025)
Aug 6, 2026 · Form 8-K — Major event / current report
Current report — a filing companies must make within 4 business days of a major event
- Item 2.02 — Reported results of operations (earnings release).
This is a results-day filing: the earnings press release is attached as an exhibit.
Things to know before you trade XZO
- Last results release: Aug 6, 2026 (8-K Item 2.02). Previous ones: May 6, 2026, Feb 25, 2026, Dec 10, 2025. Based on that rhythm, the next report is likely around Nov 5, 2026 — an estimate, not a confirmed date.
- How much it moves: over the last 20 sessions the average daily move was 2.17% (largest 7.4%).
- Liquidity: about 349.78K shares (≈$5.73M) trade per day on average.
- 52-week position: $16.37 vs a range of $12.36–$24.60 (33% of the range).
- Dividends: no cash dividends in the last 2 years.
- Splits: none in the last 2 years.
- Insider trades (Form 4, last 12 months, recent 25 shown): 25 open-market buys, 0 sales; latest: Paresh Patel bought 2,000 shares on May 27, 2026.
- Latest filings: 8-K Aug 14, 2026; 10-Q Aug 7, 2026; 8-K Aug 6, 2026.
- Listing: NYSE · industry: Services-Prepackaged Software.
XZO market data (last 20 sessions)
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| Oct 19, 2026 | 16.60 | 16.68 | 16.22 | 16.37 | 166.42K |
| Oct 16, 2026 | 16.69 | 16.87 | 16.33 | 16.69 | 160.80K |
| Oct 15, 2026 | 16.00 | 16.81 | 15.34 | 16.69 | 244.60K |
| Oct 14, 2026 | 15.77 | 15.94 | 15.55 | 15.83 | 142.50K |
| Oct 13, 2026 | 16.23 | 16.46 | 15.87 | 15.96 | 198.80K |
| Oct 12, 2026 | 15.85 | 16.10 | 15.75 | 16.03 | 131.50K |
| Oct 9, 2026 | 15.76 | 16.12 | 15.61 | 15.98 | 222.80K |
| Oct 8, 2026 | 15.13 | 15.90 | 15.03 | 15.89 | 271.30K |
| Oct 7, 2026 | 14.84 | 15.30 | 14.70 | 15.22 | 265.30K |
| Oct 6, 2026 | 15.75 | 15.75 | 14.46 | 15.04 | 413.20K |
| Oct 5, 2026 | 14.61 | 15.44 | 14.23 | 15.39 | 971.20K |
| Oct 2, 2026 | 14.58 | 14.58 | 13.62 | 14.40 | 948.40K |
| Oct 1, 2026 | 14.60 | 14.68 | 14.39 | 14.44 | 1.06M |
| Sep 30, 2026 | 14.84 | 14.84 | 14.39 | 14.47 | 212.30K |
| Sep 29, 2026 | 14.93 | 15.27 | 14.27 | 14.55 | 178.90K |
| Sep 28, 2026 | 15.23 | 15.23 | 14.69 | 15.09 | 208.90K |
| Sep 25, 2026 | 15.54 | 15.76 | 15.19 | 15.21 | 151.10K |
| Sep 24, 2026 | 15.38 | 15.84 | 15.27 | 15.65 | 280.20K |
| Sep 23, 2026 | 16.36 | 16.58 | 15.24 | 15.31 | 324.80K |
| Sep 22, 2026 | 16.63 | 16.96 | 15.80 | 16.53 | 438.70K |
About Exzeo
Exzeo (XZO) is listed on the NYSE and classified by the SEC under “Services-Prepackaged Software”. Its business address is in TAMPA, FL. State of incorporation: FL. Fiscal year ends December 31. SEC CIK 1873951.
XZO board of directors & executives
From SEC Form 3/4/5 insider filings made in the last 12 months (date = latest filing).
Directors
| Name | Role | Latest filing |
|---|---|---|
| Irene Hurst | Director | Nov 7, 2025 |
| Robert A. Jr. Lopes | Director | Mar 10, 2026 |
| James J Macchiarola | Director | Mar 24, 2026 |
| Kevin Andrew Mitchell | President | Dec 22, 2025 |
| Paresh Patel | Chief Executive Officer | May 28, 2026 |
| Loreen M Spencer | Director | Nov 7, 2025 |
Executive officers
| Name | Title | Latest filing |
|---|---|---|
| Brook Armstrong Baker | General Counsel | Dec 22, 2025 |
| Suela Bulku | Chief Financial Officer | Dec 22, 2025 |
| Kevin Andrew Mitchell | President | Dec 22, 2025 |
| Paresh Patel | Chief Executive Officer | May 28, 2026 |
Recent insider buys & sales
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 27, 2026 | Paresh Patel | Buy | 2,000 | $13.67 |
| May 27, 2026 | Paresh Patel | Buy | 2,000 | $13.67 |
| May 27, 2026 | Paresh Patel | Buy | 2,000 | $13.67 |
| May 27, 2026 | Paresh Patel | Buy | 2,000 | $13.67 |
| May 26, 2026 | Paresh Patel | Buy | 2,000 | $13.26 |
| May 26, 2026 | Paresh Patel | Buy | 2,000 | $13.26 |
| May 26, 2026 | Paresh Patel | Buy | 2,000 | $13.26 |
| May 26, 2026 | Paresh Patel | Buy | 2,000 | $13.26 |
| May 22, 2026 | Paresh Patel | Buy | 2,000 | $12.92 |
| May 22, 2026 | Paresh Patel | Buy | 2,000 | $12.92 |
| May 22, 2026 | Paresh Patel | Buy | 2,000 | $12.92 |
| May 22, 2026 | Paresh Patel | Buy | 2,000 | $12.92 |
| May 21, 2026 | Paresh Patel | Buy | 2,000 | $12.82 |
| May 21, 2026 | Paresh Patel | Buy | 2,000 | $12.82 |
| May 21, 2026 | Paresh Patel | Buy | 2,000 | $12.82 |
XZO financials (annual, from XBRL filings)
| Fiscal year end | Revenue | Net income | Diluted EPS | Operating cash flow |
|---|---|---|---|---|
| Dec 31, 2025 | $216.98M | $82.75M | 0.99 | — |
| Dec 31, 2024 | $133.95M | $45.32M | 0.44 | — |
| Dec 31, 2023 | $88.33M | $21.46M | 0.15 | — |
Latest balance sheet: total assets $385.78M, total liabilities $97.61M, cash $136.73M (as of Jun 30, 2026).
XZO earnings / results-day log
| Date | Filing | Close that day |
|---|---|---|
| Aug 6, 2026 | 8-K Item 2.02 (results) | $16.29 |
| May 6, 2026 | 8-K Item 2.02 (results) | $17.27 |
| Feb 25, 2026 | 8-K Item 2.02 (results) | $15.93 |
| Dec 10, 2025 | 8-K Item 2.02 (results) | $18.01 |
| Nov 7, 2025 | 8-K Item 2.02 (results) | $19.38 |
Related stocks · Services-Prepackaged Software
Microsoft (MSFT)Palantir Technologies (PLTR)Oracle (ORCL)CoreWeave (CRWV)CrowdStrike (CRWD)Salesforce (CRM)Shopify (SHOP)Snowflake (SNOW)ServiceNow (NOW)Twilio (TWLO)
Popular today
Spdr S&P 500 Etf (SPY)Micron Technology (MU)Nvidia (NVDA)Meta Platforms (META)Sandisk (SNDK)Space Exploration Technologies (SPCX)Tesla (TSLA)Apple (AAPL)AMD (AMD)Microsoft (MSFT)Intel (INTC)Amazon (AMZN)
More on XZO
Information only, not investment advice. BuyMeWhiskey is not a registered investment adviser or broker-dealer; nothing here is a recommendation to buy, sell or hold any security, and there are no price targets. Data comes from SEC EDGAR filings and public end-of-day market data and may be delayed or contain errors. Verify with the company's filings before making decisions. Prices: end-of-day data as of Oct 19, 2026, 4:00 PM ET. Filings: SEC EDGAR. Refreshed every 2 hours during US market hours.