Exzeo Group, Inc. (XZO) has a MarketKingdoms composite score of 56.9 (C+), an C-range rating. It ranks 1494th of 1,866 covered companies, 276th of 330 in Financial (sector average 62.7) and 6th of 8 in Insurance - Diversified. Scores as of 2026-10-26.
Its strongest lenses are Quality (profitability) at 87 (Financial average 49) and Stock selection at 74 (Financial average 77). Its weakest lenses are Price (valuation) at 19 (sector average 52) and Trend (momentum) at 35 (sector average 49).
| Lens | Type | XZO | Financial average | Insurance - Diversified average | Percentile in sector |
|---|---|---|---|---|---|
| Industry opportunity | Research signal | 58 | 76 | 58 | 5th |
| Stock selection | Research signal | 74 | 77 | 72 | 29th |
| KPI momentum | Research signal | 71 | 75 | 63 | 35th |
| Catalyst watch | Research signal | 61 | 69 | 66 | 15th |
| Price (valuation) | Fundamental lens | 19 | 52 | 60 | 10th |
| Expansion (growth) | Fundamental lens | 47 | 51 | 41 | 46th |
| Quality (profitability) | Fundamental lens | 87 | 49 | 56 | 98th |
| Trend (momentum) | Fundamental lens | 35 | 49 | 53 | 32nd |
The most recent call analysed was held on 2026-08-06 (fiscal 2026 Q2). MarketKingdoms checks what management promised on each call against what it later delivered.
The stock's valuation gap is -8.2%: its price is below the path its market, sector and industry moves explain (undervalued versus the model path). Factor sensitivity: market beta 1.15, sector beta 1.39, industry beta 0.31; the factor model explains 20% of its moves (R²).
| Company | Composite | Grade | Valuation gap |
|---|---|---|---|
| Pelagos Insurance Capital Ltd (PLGO) | 64.6 | B | +5.9% |
| AMERICAN INTERNATIONAL GROUP, INC. (AIG) | 62.8 | B- | -1.4% |
| AEGON LTD. (AEG) | 58.2 | B- | -22.5% |
| HARTFORD INSURANCE GROUP, INC. (HIG) | 57.9 | C+ | -5.6% |
| ARCH CAPITAL GROUP LTD. (ACGL) | 57.5 | C+ | 0.0% |
| SUN LIFE FINANCIAL INC (SLF) | 56.0 | C+ | -1.9% |
| International General Insurance Holdings Ltd. (IGIC) | 51.3 | C | +1.7% |
Exzeo Group, Inc. financial statements · Financial sector ranking · Insurance - Diversified industry ranking · All covered companies
The composite score (0–100, graded A+ to D-) blends research signals from each earnings call with fundamental lenses from SEC filings and market prices. Research signals: Industry opportunity, Stock selection, KPI momentum and Catalyst watch, read from what management said and whether it delivered. Fundamental lenses: Price (valuation), Expansion (growth), Quality (profitability) and Trend (momentum). Scores are recalculated every night and after every earnings call. The valuation gap compares the actual price path with the path the stock's market, sector and industry moves explain; it is a model comparison, not a fair-value estimate.
General information, not investment advice.