Does XZO pay a dividend and is it safe?

Exzeo Group Inc. (XZO) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Stock Ratings / Technology / XZO / dividends

EVCM (49) IQMX (45) CXM (66) CERT (63) ⌘ Pro Terminal →

Exzeo Group Inc. (XZO) Dividend Safety Gauge & 10-Year DRIP Compounder

$18.27 +2.18% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $18.39

Exzeo Group Inc. (XZO) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (60% profit margin, 85% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $1.61B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on XZO Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is XZO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Exzeo Group Inc. (NYSE: XZO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $18.27 (+2.18% 1D, market cap $1.61B). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 13/20. Across 714 tracked Technology issuers, XZO ranks #54 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does XZO compare to EVCM and IQMX in the Technology sector?

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Within the Technology sector (Computer Software: Prepackaged Software), XZO carries a Roarable B (73/100 RQD), trailing P/E of 19.3x, gross margin of 60.4%, and ROIC of 85.0%. By comparison, EVCM (EverCommerce Inc.) holds a D grade (49/100 RQD, P/E 91.9x, ROIC 4.2%, cap $1.62B) and IQMX (IQM Quantum Computers Oyj) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $1.63B). Among the 5-stock peer group, XZO leads on earnings multiple (19.3x) while XZO leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for XZO?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $18.39 (+0.63%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 20.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

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 B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+6.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XZO)Realized 20D OHLCV Swing Band: ±9.2%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY XZO SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (25% of score)

SEC XBRL FY 2025 (10-K): 20.8% FCF Margin ($45.1M FCF) & 60.4% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (22% of score)

Altman Z-Score 12.79 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution13/20 pts (-7 pt drag)

Cannibal Buyback (-1.52% YoY Shares) & executive Form 4 sales trim 7 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$15.96+3.8% Next Q

Q2 (-2Q)

Grade B-$16.57+0.1% Next Q

Q3 (-1Q)

Grade B$16.58+10.2% Next Q

Current

Grade B$18.27+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)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 73/100 (B) 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 ($16.26) or 200D SMA ($15.93) invalidates the momentum regime and cuts Target Base ($19.50) toward Bear Floor ($14.98).

🎲 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 73%NO 27%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $45,269

Est. Year-10 Shareholder Yield: $815/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.6K

Yr 1

$13.5K

Yr 2

$15.7K

Yr 3

$18.3K

Yr 4

$21.3K

Yr 5

$24.7K

Yr 6

$28.8K

Yr 7

$33.5K

Yr 8

$38.9K

Yr 9

$45.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in XZO & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on XZO and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

XZO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.06%▲ RESISTANCE BREAKOUT

2026-11-03O $17.71H $18.27L $17.71C $18.27VOL 268.2K

RES: $17.15SUP: $13.12SMA50: $16.26SMA200: $15.93

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 #54 of 714 ⚔️ EVCM vs XZO Full Matrix →

1. Head-to-Head Technology Peer Comparison (XZO vs. EVCM, IQMX, CXM, CERT)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Exzeo Group Inc. (XZO) ranks #54 by composite RQD confidence (73/100, grade B) and #314 by equity capitalization ($1.61B). 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 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
XZO ACTIVE Exzeo Group Inc.	B	73/100	19.3x	60.4%	85.0%	+2.18%	$1.61B	Benchmark Subject
EVCM EverCommerce Inc.	D	49/100	91.9x	—	4.2%	-5.89%	$1.62B	/evcm-vs-xzo →
IQMX IQM Quantum Computers Oyj	D	45/100	—	—	—	-2.91%	$1.63B	/iqmx-vs-xzo →
CXM Sprinklr Inc. (Class A)	C+	66/100	69.0x	67.4%	7.4%	+1.03%	$1.58B	/cxm-vs-xzo →
CERT Certara Inc.	C	63/100	—	—	1.4%	-2.81%	$1.68B	/cert-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?

How does XZO compare to EVCM and IQMX in the Technology sector?

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

Where is XZO trading relative to its 50-day, 200-day, and 52-week technical levels?

XZO last traded at $18.27 (+2.18% on volume of 226,296 shares), positioning the stock +12.36% above its 50-day simple moving average ($16.26) and +14.69% above its 200-day simple moving average ($15.93). Across its 52-week range of $12.36 to $24.60, XZO sits at the 48.3% percentile with a 14-day RSI of 66.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±9.2% ($16.59 to $19.95).

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

ROARABLE RATING BRIEF • RQD 73/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

XZO — Exzeo Group Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:28:34Z

1. Roarable Rating Brief: What This Means to a Prospective Investor

XZO scores 73 out of 100 (letter grade B, verdict label "Roarable Buy — Good Risk/Reward"). The five pillars are:

Fundamental Cash Engine: 18 / 20. Per the RQD rating, ROIC is 85% and FCF yield is 0%. A high return on invested capital paired with a zero FCF yield in the source means the rating credits the profitability of the business but does not show free-cash-flow yield support at the current price.
Whale 13F Flow: 13 / 20. Institutional accumulation and options positioning are scored at 13. The source contains no holder detail (see Analyst View section), so the basis for this score cannot be verified from the provided data.
Insider Conviction: 13 / 20. The RQD rating cites SEC Form 4 and Congressional PTR cluster flow. No underlying insider transactions are provided in the source data.
Macro Regime Fit: 13 / 20. Per the RQD rating, beta is 1.0 with a sector sensitivity component. This indicates market-level volatility exposure, neither defensive nor aggressive relative to the market.
Forensic Balance Sheet: 16 / 20. Per the RQD rating, Altman Z-Score is 12.79, Piotroski F-Score is 5/9, and Debt/Equity is 0.5. These point to a financially sound balance sheet by the rating's measures.

For a prospective investor, the rating's strongest contributors are the cash-engine and balance-sheet pillars. The weaker pillars (whale flow, insider conviction, macro fit) are scored mid-range and rest on signals not itemized in the source. Valuation tradeoff: per the market data, trailing P/E is 19.3 and forward P/E is 16.2, implying earnings expected to rise, but the 0% FCF yield means the rating's upside case depends on cash generation catching up with reported earnings. The rating is an analytical output, not a recommendation.

2. Business Model, Unit Margins & SEC Financial Trajectory

Exzeo Group Inc. (XZO) is a NYSE-listed issuer in the Technology sector, Computer Software: Prepackaged Software industry. Per the market data, gross margin is 60.4%, operating margin 48.8%, and net margin 38.1%, indicating a high-margin software-type cost structure. Specific products and customers: —

Revenue rose from $88.3M (FY 2023) to $133.9M (FY 2024) and $217.0M (FY 2025), with operating income moving from $2.6M to $106.0M over the same span. Cash increased from $54.5M to $305.4M between FY 2024 and FY 2025. The Altman Z-Score is 12.79 and the Piotroski F-Score is 5/9; Debt/Equity is 0.5. ROIC is reported at 85%, though the source does not itemize the calculation.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case: Reported FY 2025 operating income of $106.0M on $217.0M revenue, with an 85% ROIC and a 12.79 Altman Z-Score. With Fundamental Cash Engine at 18/20 (ROIC 85.0%, FCF yield —) and Institutional Whale Flow at 13/20, sustained execution supports upside toward the top of the $12.36 – $24.60 52-week range.
🐻 Primary Bear Case: A 0% FCF yield and N/A free cash flow in every reported period leave the cash-generation case unverified. Investors must weigh 19.3x trailing P/E and 12.2x EV/EBITDA against 48.8% operating margins and a 1.00 macro beta if sector demand softens.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Upstream and downstream dependencies: — Sector correlations beyond the Technology / Prepackaged Software classification: — Second-order bottlenecks: —

Key Question #1: What is the debt balance behind the 0.5 Debt/Equity ratio, given that debt is N/A in every period?
Key Question #2: What were the Q2 2026 results and guidance discussed in the earnings transcript?
Key Question #3: How sensitive is XZO's 60.4% gross margin and 16.2x forward P/E multiple to Technology demand cycles and macro interest-rate shifts (Beta 1.00)?

XZO Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Exzeo Group Inc. (XZO) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to XZO Debate Forum (3) ↓

🟡 MARKET WIRE Yahoo Finance Singapore • 20h ago

Exzeo Group, Inc. (XZO) stock price, news, quote and history

Yahoo Finance Singapore report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Zacks Investment Research • 23h ago

XZO : Exzeo Group, Inc. Key Company Metrics & Non-finance Metrics

Zacks Investment Research report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Exzeo Group, Inc. Estimates – NYSE:XZO

TradingView report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Exzeo Group, Inc. (XZO) - What Are Brokerages Thinking About This Stock?

MarketBeat report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE www.marketscreener.com • 1d ago

Exzeo Group Sets Third Quarter 2026 Earnings Call for Wednesday, November 4, 2026, at 5:45 p.m. ET

www.marketscreener.com report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Benzinga • 1d ago

Exzeo Group Reports Q2 2026 Results: Full Earnings Call Transcript

Benzinga report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Investing.com India • 1d ago

Citizens reiterates Exzeo Group stock rating citing tech platform

Investing.com India report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Exzeo Group (NYSE:XZO) Sees Large Volume Increase - Time to Buy?

MarketBeat report covering Exzeo Group Inc. (XZO) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

XZO Bull vs. Bear Conversation Board — What's Your Call at $18.27?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON XZO 🐻 33% BEARISH CONVICTION

MA MacroHawk_NYC Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $21.28 (+19.0%)

📌 Pinned Debate

Reported FY 2025 operating income of $106.0M on $217.0M revenue, with an 85% ROIC and a 12.79 Altman Z-Score.

Don't sleep on XZO's setup in Technology. Reported FY 2025 operating income of $106.0M on $217.0M revenue, with an 85% ROIC and a 12.79 Altman Z-Score.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (73/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@MacroHawk_NYC Agree on the RQD 73/100 quality, though with 1.0 beta I'm scaling in with half-size at $17.88 and keeping dry powder in case we test $16.63.

SH ShortSeller_Dan Forensic Short Bias 🐻 BEARISH 🎯 Target: $14.13 (-21.0%)

Spot @ $17.88

A 0% FCF yield and N/A free cash flow in every reported period leave the cash-generation case unverified.

Sitting on the sidelines or leaning short XZO above $17.88. A 0% FCF yield and N/A free cash flow in every reported period leave the cash-generation case unverified.. Until Fundamental Cash Engine (18/20) and FCF yield (0.0%) inflect higher, upside is capped near $24.60.