Value
5.9/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 8.2 |
| P/S | 6.7 |
| EV/EBITDA | 6.8 |
| Fwd P/E | 9.1 |
| PEG | 1.0 |
- ▸Forward P/E: 11.5x
- ▸PEG: 8.21
XZO · Why this verdict
Why Exzeo Group (XZO) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.1/10
ConfidenceMEDIUM
MacroRISK_OFF
Per-dimension breakdown
Quality
9.2/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 10.0 |
| Gross margin | 10.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Current ratio | 8.9 |
| Moat | 6.9 |
| Piotroski F | 8.9 |
- ▸Excellent ROE: 59%
- ▸Strong margins: 38%
- ▸Strong Piotroski F-Score: 8/9
- ▸High-quality business
Growth
3.6/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 5.0 |
| EPS growth | 2.3 |
Momentum
3.7/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.5 |
| MACD | 6.4 |
| OBV | 1.0 |
| MA position | 2.5 |
| Volume | 3.9 |
- ▸Volume distribution (falling OBV)
Sentiment
7.2/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 6.4 |
| Price target | 10.0 |
| erm sentiment | 5.0 |
- ▸Light analyst coverage (2.0) — signal dampened
- ▸Analyst upside: 97%
Insider
7.0/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 8.0 |
| insider conviction | 8.0 |
| holder change | 5.1 |
- ▸Notable insider buying — $1,614,087 (0.134% of mkt cap)
Peer rank
6.2/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 1.7 |
| quality rank | 9.2 |
| growth rank | 9.2 |
- ▸Superior ROE vs peers
- ▸Best-in-class margins
Technical
4.5/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.5 |
| support resistance | 6.2 |
| 52w position | 0.7 |
Risk (lower is worse)
4.8/10data confidence 80%| Component | Sub-score |
|---|---|
| short interest | 8.1 |
| days to cover | 8.5 |
| volatility | 0.0 |
| debt equity | 2.5 |
Catalyst
7.5/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- ASYMMETRY:5.7>=1.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:59d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- MOMENTUM:3.7<4.5
Warning (0)
none
Reward-to-Risk
5.72
Upside
+67.2%
Downside
11.7%
Sizing output
AVOID
SetupRANGE_BOUND — RSI 47 mid-range, Bollinger mid-band
EdgeTEMP_HEADWIND — High quality (9.2) with weak momentum (3.7)
SuitabilityAGGRESSIVE — MCap $1.2B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: ASYMMETRY:5.7>=1.5. Top dim: Quality at 9.2; weakest: Growth at 3.6. No conviction either direction.
The strongest dimensions are Quality at 9.2, Catalyst at 7.5, and Sentiment at 7.2; the weakest are Growth at 3.6, Momentum at 3.7, and Technical at 4.5. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of 5.72 and an engine sizing output of AVOID.