Exzeo Group, Inc.

NYSE:XZO Stock Report

Market Cap: US$1.2b

Exzeo Group Management

Management criteria checks 3/4

Exzeo Group's CEO is Paresh Patel, appointed in Jul 2020, has a tenure of 5.83 years. total yearly compensation is $4.23M, comprised of 11.2% salary and 88.8% bonuses, including company stock and options. directly owns 1.83% of the company’s shares, worth $21.31M. The average tenure of the management team and the board of directors is 5.1 years and 5.3 years respectively.

Key information

Paresh Patel

Chief executive officer

US$4.2m

Total compensation

CEO salary percentage11.24%
CEO tenure5.8yrs
CEO ownership1.8%
Management average tenure5.1yrs
Board average tenure5.3yrs

Recent management updates

Recent updates

Seeking Alpha Mar 19

Exzeo: Under The Radar And Gleaming

Summary Exzeo, majority-owned by HCI Group, delivers property-specific risk analysis technology, enabling superior underwriting and margin expansion. XZO posted Q4 revenue of $53.3M, adjusted EBITDA of $28M, and expanding margins, trading at less than 16x earnings and ~10x EBITDA. AI disintermediation fears are overblown; XZO’s proprietary datasets and new third-party partnerships underpin defensible, scalable growth. Guidance appears conservative versus momentum; valuation is compelling with high cash conversion, robust growth, and potential for further upside. Read the full article on Seeking Alpha

CEO Compensation Analysis

How has Paresh Patel's remuneration changed compared to Exzeo Group's earnings?
DateTotal CompensationSalaryCompany Earnings
Mar 31 2026n/an/a

US$82m

Dec 31 2025US$4mUS$475k

US$79m

Sep 30 2025n/an/a

US$69m

Jun 30 2025n/an/a

US$54m

Mar 31 2025n/an/a

US$33m

Dec 31 2024US$475kUS$475k

US$15m

Dec 31 2023US$475kUS$475k

US$3m

Dec 31 2022n/an/a

-US$46m

Sep 30 2021n/an/a

-US$24m

Jun 30 2021n/an/a

-US$19m

Mar 31 2021n/an/a

-US$14m

Dec 31 2020US$542kUS$248k

-US$12m

Compensation vs Market: Paresh's total compensation ($USD4.23M) is about average for companies of similar size in the US market ($USD3.79M).

Compensation vs Earnings: Paresh's compensation has increased by more than 20% in the past year.


CEO

Paresh Patel (62 yo)

5.8yrs
Tenure
US$4,225,000
Compensation

Mr. Pareshbhai Suryakant Patel, also known as Paresh, is President and CEO of Tailrow Insurance Exchange and has been its Director from 2025. From 2011 to 2015, Mr. Patel served as Chairman of the Board of...


Leadership Team

NamePositionTenureCompensationOwnership
Pareshbhai Patel
CEO & Chairman5.8yrsUS$4.23m1.83%
$ 21.3m
Kevin Mitchell
President & Director1.4yrsUS$1.20m0.79%
$ 9.2m
Suela Bulku
Chief Financial Officer1.4yrsUS$957.73k0.35%
$ 4.0m
Shawn McVeigh
Chief Technology Officerno datano datano data
William Broomall
Vice President of Investor Relations5.1yrsno datano data
Brook Baker
General Counsel & Corporate Secretary5.3yrsno data0.27%
$ 3.2m
Vadivel Kumar
Senior Vice Presidentno datano datano data
Leigh Ionata
Senior Vice Presidentno datano datano data
5.1yrs
Average Tenure
44.5yo
Average Age

Experienced Management: XZO's management team is seasoned and experienced (5.1 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Pareshbhai Patel
CEO & Chairman5.8yrsUS$4.23m1.83%
$ 21.3m
Kevin Mitchell
President & Director5.3yrsUS$1.20m0.79%
$ 9.2m
James Macchiarola
Independent Director5.8yrsUS$50.00k0.15%
$ 1.8m
Robert Lopes
Independent Director5.2yrsUS$50.00k0.14%
$ 1.6m
Irene Hurst
Independent Director5.2yrsUS$50.00k0.12%
$ 1.4m
Loreen Spencer
Independent Director5.3yrsUS$50.00k0.12%
$ 1.4m
5.3yrs
Average Tenure
61yo
Average Age

Experienced Board: XZO's board of directors are considered experienced (5.3 years average tenure).


Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/21 06:09
End of Day Share Price 2026/05/21 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Exzeo Group, Inc. is covered by 3 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Matthew CarlettiCitizens JMP Securities, LLC
Terrell TillmanTruist Securities
Dylan BeckerWilliam Blair & Company L.L.C.