XZOExzeo Group, Inc.Financial Services · Insurance - Diversifiedas of 2026-09-16
Horizon

Issued 2026-09-16 at $16.42 · now $16.42 (2026-09-16, +0.0% since)

Based on its own history, a month from the 2026-09-16 close, XZO has typically landed between $11.92 and $22.38 — a range of −27.4% to +36.3% from the issuance price $16.42.

Range of outcomes in historically similar periods — not a price prediction. Ranges are scored publicly on /methodology.
  • Actual close
  • Typical path (median)
  • Middle 50% of outcomes
  • 90% range

195 overlapping 1 month windows · 2025-11-052026-08-17 · basis climatology · forecast (batch).

The cone is anchored at the 2026-09-16 issuance close ($16.42) — the price the forecast resolves against on 2026-10-15, not the latest close. The drawn path shape is illustrative (bands widen with √t); every labeled number is real — the anchor, the scored batch p90/IQR endpoints, and the typical move.

Where XZO has typically landed a month from the 2026-09-16 close of $16.42 — the range is history, not a prediction.

$11.92worst · -27.4%$22.38best · +36.3%
  • now $16.42 (+0.0%)
  • typicalThe typical outcome — half of similar past periods did better and half did worse (not an average, so a few wild periods don't skew it). $16.25 (-1.0%)
  • middle 50%The central range of outcomes — half of similar past periods landed inside it, a quarter finished above, a quarter below. $14.14$18.37
  • 90% rangeA nine-in-ten range — in about nine of every ten similar past periods the outcome stayed within these bounds. $11.92$22.38
Actual 1-month windows behind the coneiEvery overlapping 1-month window in this security's own price history was ranked by realized return; shown are the 3 worst and 3 best of 195 windows spanning 2025-11-05 to 2026-09-16. Not cherry-picked — these are the extremes of the full sample. Max drop / max rise are the deepest and highest points reached within each window. See /methodology.
StartReturnMax dropMax rise
3 worst
2026-01-13−31.4%−31.4%+3.8%
2026-01-15−31.1%−32.8%+1.6%
2026-01-12−30.0%−30.0%+0.0%
3 best
2025-11-20+59.8%+0.0%+59.8%
2025-11-21+57.8%+0.0%+57.8%
2026-06-04+47.0%+0.0%+49.2%

195 overlapping windows · 2025-11-052026-09-16 · not cherry-picked

Reported insider & political trades

Every Form 4 the people closest to this company have filed with the SEC — plotted against the share price, aggregated by month, and shown with the gap between when each trade happened and when it was disclosed. A public record, not advice.

Share price & reported tradesMonthly open-market valueReporting lag — trade date to filing date2026-092026-082026-072026-062026-052026-042026-032026-022026-012025-122025-112025-102025-092025-08$24$132026-05-27: 1 insider purchase, $27K — Patel Paresh2026-05-26: 1 insider purchase, $27K — Patel Paresh2026-05-22: 1 insider purchase, $26K — Patel Paresh2026-05-21: 1 insider purchase, $26K — Patel Paresh2026-05-20: 1 insider purchase, $27K — Patel Paresh2026-05-19: 1 insider purchase, $27K — Patel Paresh2026-05-18: 1 insider purchase, $28K — Patel Paresh2026-05-15: 2 insider purchases, $27K — Patel Paresh …2026-05-14: 1 insider purchase, $28K — Patel Paresh2026-05-13: 1 insider purchase, $27K — Patel Paresh2026-05-12: 1 insider purchase, $28K — Patel Paresh2026-05-11: 1 insider purchase, $28K — Patel Paresh2026-05-08: 1 insider purchase, $27K — Patel Paresh2026-05-07: 1 insider purchase, $30K — Patel Paresh2026-05-06: 2 insider purchases, $35K — Patel Paresh …2026-05-05: 2 insider purchases, $34K — Patel Paresh …2026-05-04: 4 insider purchases, $33K — Patel Paresh …2026-05-01: 1 insider purchase, $33K — Patel Paresh2026-04-30: 1 insider purchase, $32K — Patel Paresh2026-04-29: 1 insider purchase, $32K — Patel Paresh2026-04-28: 1 insider purchase, $33K — Patel Paresh2026-04-27: 1 insider purchase, $34K — Patel Paresh2026-04-24: 1 insider purchase, $32K — Patel Paresh2026-04-23: 1 insider purchase, $33K — Patel Paresh2026-04-22: 1 insider purchase, $33K — Patel Paresh2026-04-21: 1 insider purchase, $35K — Patel Paresh2026-04-20: 1 insider purchase, $35K — Patel Paresh2026-04-17: 1 insider purchase, $34K — Patel Paresh2026-04-16: 1 insider purchase, $34K — Patel Paresh2026-04-15: 1 insider purchase, $33K — Patel Paresh2026-04-14: 4 insider purchases, $32K — Patel Paresh …2026-04-13: 1 insider purchase, $30K — Patel Paresh2026-04-10: 1 insider purchase, $31K — Patel Paresh2026-04-09: 1 insider purchase, $31K — Patel Paresh2026-04-08: 1 insider purchase, $30K — Patel Paresh2026-04-07: 1 insider purchase, $28K — Patel Paresh2026-04-06: 1 insider purchase, $29K — Patel Paresh2026-04-02: 1 insider purchase, $28K — Patel Paresh2026-04-01: 1 insider purchase, $30K — Patel Paresh2026-03-31: 1 insider purchase, $29K — Patel Paresh2026-03-30: 1 insider purchase, $28K — Patel Paresh2026-03-27: 1 insider purchase, $28K — Patel Paresh2026-03-26: 1 insider purchase, $29K — Patel Paresh2026-03-25: 1 insider purchase, $30K — Patel Paresh2026-03-24: 1 insider purchase, $30K — Patel Paresh2026-03-23: 2 insider purchases, $90K — Macchiarola James J, Patel Paresh2026-03-20: 1 insider purchase, $31K — Patel Paresh2026-03-19: 1 insider purchase, $31K — Patel Paresh2026-03-18: 1 insider purchase, $33K — Patel Paresh2026-03-17: 1 insider purchase, $31K — Patel Paresh2026-03-09: 1 insider purchase, $38K — Lopes Robert A. Jr.2025-12-18: 3 insider purchases, $637K — Mitchell Kevin Andrew, Bulku Suela, Baker Brook Armstrong2025-11-06: 8 insider purchases, $1.9M — Patel Paresh, Macchiarola James J, Lopes Robert A. Jr., Spencer Loreen M …2025-11: 8 open-market purchases, $1.9M2025-12: 3 open-market purchases, $637K2026-03: 13 open-market purchases, $428K2026-04: 24 open-market purchases, $669K2026-05: 24 open-market purchases, $517K↑ buys↓ salesdirector Patel Paresh — Purchase on 2026-05-27, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-26, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-22, filed 4 days after the tradedirector Patel Paresh — Purchase on 2026-05-21, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-20, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-19, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-18, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-15, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-05-15, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-05-14, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-13, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-12, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-11, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-08, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-05-07, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-06, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-06, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-05, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-05, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-04, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-04, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-04, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-04, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-05-01, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-04-30, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-29, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-28, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-27, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-24, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-04-23, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-22, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-21, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-20, filed 2 days after the tradedirector Patel Paresh — Purchase on 2026-04-17, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-04-16, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-15, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-14, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-14, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-14, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-14, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-13, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-10, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-04-09, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-08, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-07, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-06, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-02, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-04-01, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-31, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-30, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-27, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-03-26, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-25, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-24, filed same daydirector Macchiarola James J — Purchase on 2026-03-23, filed 1 day after the tradedirector Patel Paresh — Purchase on 2026-03-23, filed same daydirector Patel Paresh — Purchase on 2026-03-20, filed 3 days after the tradedirector Patel Paresh — Purchase on 2026-03-19, filed 4 days after the tradedirector Patel Paresh — Purchase on 2026-03-18, filed same daydirector Patel Paresh — Purchase on 2026-03-17, filed 1 day after the tradedirector Lopes Robert A. Jr. — Purchase on 2026-03-09, filed 1 day after the tradedirector Mitchell Kevin Andrew — Purchase on 2025-12-18, filed 4 days after the tradeofficer Bulku Suela — Purchase on 2025-12-18, filed 4 days after the tradeofficer Baker Brook Armstrong — Purchase on 2025-12-18, filed 4 days after the tradedirector Patel Paresh — Purchase on 2025-11-06, filed 1 day after the tradedirector Macchiarola James J — Purchase on 2025-11-06, filed 1 day after the tradedirector Lopes Robert A. Jr. — Purchase on 2025-11-06, filed 1 day after the tradedirector Spencer Loreen M — Purchase on 2025-11-06, filed 1 day after the tradedirector Hurst Irene — Purchase on 2025-11-06, filed 1 day after the tradeofficer Baker Brook Armstrong — Purchase on 2025-11-06, filed 1 day after the tradeofficer Bulku Suela — Purchase on 2025-11-06, filed 1 day after the tradedirector Mitchell Kevin Andrew — Purchase on 2025-11-06, filed 1 day after the trade
DatePersonRoleActionShares @ priceValueOwnership Δvs S&P 1mvs S&P 6mOwned afterFiling
2026-05-27Patel PareshdirectorPurchase2,000 @ $13.67$27K+0.1% of holding+18.5%not yet — horizon still open1,672,013Form 4 · filed 1 day after the trade
2026-05-26Patel PareshdirectorPurchase2,000 @ $13.26$27K+0.1% of holding+11.1%not yet — horizon still open1,670,013Form 4 · filed 1 day after the trade
2026-05-22Patel PareshdirectorPurchase2,000 @ $12.92$26K+0.1% of holding+12.7%not yet — horizon still open1,668,013Form 4 · filed 4 days after the trade
2026-05-21Patel PareshdirectorPurchase2,000 @ $12.82$26K+0.1% of holding+6.2%not yet — horizon still open1,666,013Form 4 · filed 1 day after the trade
2026-05-20Patel PareshdirectorPurchase2,000 @ $13.33$27K+0.1% of holding+3.9%not yet — horizon still open1,664,013Form 4 · filed 1 day after the trade
2026-05-19Patel PareshdirectorPurchase2,000 @ $13.69$27K+0.1% of holding−5.1%not yet — horizon still open1,662,013Form 4 · filed 1 day after the trade
2026-05-18Patel PareshdirectorPurchase2,000 @ $13.93$28K+0.1% of holding−4.5%not yet — horizon still open1,660,013Form 4 · filed 1 day after the trade
2026-05-15Patel PareshdirectorPurchase1,500 @ $13.72$21K+0.1% of holding−4.3%not yet — horizon still open1,658,013Form 4 · filed 3 days after the trade
2026-05-15Patel PareshdirectorPurchase500 @ $13.55$7K+0.0% of holding−4.3%not yet — horizon still open1,656,513Form 4 · filed 3 days after the trade
2026-05-14Patel PareshdirectorPurchase2,000 @ $13.75$28K+0.1% of holding−2.7%not yet — horizon still open1,656,013Form 4 · filed 1 day after the trade
2026-05-13Patel PareshdirectorPurchase2,000 @ $13.55$27K+0.1% of holding−2.0%not yet — horizon still open1,654,013Form 4 · filed 1 day after the trade
2026-05-12Patel PareshdirectorPurchase2,000 @ $13.85$28K+0.1% of holding−2.8%not yet — horizon still open1,652,013Form 4 · filed 1 day after the trade
2026-05-11Patel PareshdirectorPurchase2,000 @ $13.99$28K+0.1% of holding−5.2%not yet — horizon still open1,650,013Form 4 · filed 1 day after the trade
2026-05-08Patel PareshdirectorPurchase2,000 @ $13.52$27K+0.1% of holding−2.8%not yet — horizon still open1,648,013Form 4 · filed 3 days after the trade
2026-05-07Patel PareshdirectorPurchase2,000 @ $15.11$30K+0.1% of holding−7.0%not yet — horizon still open1,646,013Form 4 · filed 1 day after the trade
2026-05-06Patel PareshdirectorPurchase1,656 @ $17.31$29K+0.1% of holding−24.0%not yet — horizon still open1,644,013Form 4 · filed 1 day after the trade
2026-05-06Patel PareshdirectorPurchase344 @ $17.33$6K+0.0% of holding−24.0%not yet — horizon still open1,642,357Form 4 · filed 1 day after the trade
2026-05-05Patel PareshdirectorPurchase1,500 @ $17.13$26K+0.1% of holding−31.8%not yet — horizon still open1,641,513Form 4 · filed 1 day after the trade
2026-05-05Patel PareshdirectorPurchase500 @ $17.05$9K+0.0% of holding−31.8%not yet — horizon still open1,642,013Form 4 · filed 1 day after the trade
2026-05-04Patel PareshdirectorPurchase1,200 @ $16.61$20K+0.1% of holding−24.0%not yet — horizon still open1,639,713Form 4 · filed 1 day after the trade
2026-05-04Patel PareshdirectorPurchase400 @ $16.51$7K+0.0% of holding−24.0%not yet — horizon still open1,638,413Form 4 · filed 1 day after the trade
2026-05-04Patel PareshdirectorPurchase300 @ $16.47$5K+0.0% of holding−24.0%not yet — horizon still open1,640,013Form 4 · filed 1 day after the trade
2026-05-04Patel PareshdirectorPurchase100 @ $16.52$2K+0.0% of holding−24.0%not yet — horizon still open1,638,513Form 4 · filed 1 day after the trade
2026-05-01Patel PareshdirectorPurchase2,000 @ $16.53$33K+0.1% of holding−17.7%not yet — horizon still open1,638,013Form 4 · filed 3 days after the trade
2026-04-30Patel PareshdirectorPurchase2,000 @ $15.91$32K+0.1% of holding−15.4%not yet — horizon still open1,636,013Form 4 · filed 1 day after the trade
2026-04-29Patel PareshdirectorPurchase2,000 @ $16.22$32K+0.1% of holding−21.2%not yet — horizon still open1,634,013Form 4 · filed 1 day after the trade
2026-04-28Patel PareshdirectorPurchase2,000 @ $16.68$33K+0.1% of holding−24.6%not yet — horizon still open1,632,013Form 4 · filed 1 day after the trade
2026-04-27Patel PareshdirectorPurchase2,000 @ $16.88$34K+0.1% of holding−20.8%not yet — horizon still open1,630,013Form 4 · filed 1 day after the trade
2026-04-24Patel PareshdirectorPurchase2,000 @ $16.21$32K+0.1% of holding−25.1%not yet — horizon still open1,628,013Form 4 · filed 3 days after the trade
2026-04-23Patel PareshdirectorPurchase2,000 @ $16.62$33K+0.1% of holding−26.0%not yet — horizon still open1,626,013Form 4 · filed 1 day after the trade
2026-04-22Patel PareshdirectorPurchase2,000 @ $16.46$33K+0.1% of holding−27.4%not yet — horizon still open1,624,013Form 4 · filed 1 day after the trade
2026-04-21Patel PareshdirectorPurchase2,000 @ $17.28$35K+0.1% of holding−27.8%not yet — horizon still open1,622,013Form 4 · filed 1 day after the trade
2026-04-20Patel PareshdirectorPurchase2,000 @ $17.48$35K+0.1% of holding−24.5%not yet — horizon still open1,620,013Form 4 · filed 2 days after the trade
2026-04-17Patel PareshdirectorPurchase2,000 @ $16.94$34K+0.1% of holding−25.7%not yet — horizon still open1,618,013Form 4 · filed 3 days after the trade
2026-04-16Patel PareshdirectorPurchase2,000 @ $16.76$34K+0.1% of holding−22.8%not yet — horizon still open1,616,013Form 4 · filed 1 day after the trade
2026-04-15Patel PareshdirectorPurchase2,000 @ $16.43$33K+0.1% of holding−26.3%not yet — horizon still open1,614,013Form 4 · filed 1 day after the trade
2026-04-14Patel PareshdirectorPurchase1,434 @ $16.14$23K+0.1% of holding−24.2%not yet — horizon still open1,612,013Form 4 · filed 1 day after the trade
2026-04-14Patel PareshdirectorPurchase270 @ $16.17$4K+0.0% of holding−24.2%not yet — horizon still open1,610,283Form 4 · filed 1 day after the trade
2026-04-14Patel PareshdirectorPurchase166 @ $16.19$3K+0.0% of holding−24.2%not yet — horizon still open1,610,579Form 4 · filed 1 day after the trade
2026-04-14Patel PareshdirectorPurchase130 @ $16.18$2K+0.0% of holding−24.2%not yet — horizon still open1,610,413Form 4 · filed 1 day after the trade
2026-04-13Patel PareshdirectorPurchase2,000 @ $15.13$30K+0.1% of holding−18.2%not yet — horizon still open1,610,013Form 4 · filed 1 day after the trade
2026-04-10Patel PareshdirectorPurchase2,000 @ $15.38$31K+0.1% of holding−12.2%not yet — horizon still open1,608,013Form 4 · filed 3 days after the trade
2026-04-09Patel PareshdirectorPurchase2,000 @ $15.74$31K+0.1% of holding−21.8%not yet — horizon still open1,606,013Form 4 · filed 1 day after the trade
2026-04-08Patel PareshdirectorPurchase2,000 @ $15.05$30K+0.1% of holding−20.2%not yet — horizon still open1,604,013Form 4 · filed 1 day after the trade
2026-04-07Patel PareshdirectorPurchase2,000 @ $14.22$28K+0.1% of holding+9.3%not yet — horizon still open1,602,013Form 4 · filed 1 day after the trade
2026-04-06Patel PareshdirectorPurchase2,000 @ $14.26$29K+0.1% of holding+10.7%not yet — horizon still open1,600,013Form 4 · filed 1 day after the trade
2026-04-02Patel PareshdirectorPurchase2,000 @ $13.79$28K+0.1% of holding+3.8%not yet — horizon still open1,598,013Form 4 · filed 1 day after the trade
2026-04-01Patel PareshdirectorPurchase2,000 @ $14.94$30K+0.1% of holding+4.5%not yet — horizon still open1,596,013Form 4 · filed 1 day after the trade
2026-03-31Patel PareshdirectorPurchase2,000 @ $14.44$29K+0.1% of holding−0.1%not yet — horizon still open1,594,013Form 4 · filed 1 day after the trade
2026-03-30Patel PareshdirectorPurchase2,000 @ $14.08$28K+0.1% of holding+3.4%not yet — horizon still open1,592,013Form 4 · filed 1 day after the trade
2026-03-27Patel PareshdirectorPurchase2,000 @ $13.89$28K+0.1% of holding+9.8%not yet — horizon still open1,590,013Form 4 · filed 3 days after the trade
2026-03-26Patel PareshdirectorPurchase2,000 @ $14.52$29K+0.1% of holding+5.9%not yet — horizon still open1,588,013Form 4 · filed 1 day after the trade
2026-03-25Patel PareshdirectorPurchase2,000 @ $14.81$30K+0.1% of holding+7.1%not yet — horizon still open1,586,013Form 4 · filed 1 day after the trade
2026-03-24Patel PareshdirectorPurchase2,000 @ $14.99$30K+0.1% of holding+2.0%not yet — horizon still open1,584,013Form 4 · filed same day
2026-03-23Macchiarola James JdirectorPurchase4,000 @ $15.12$60K+2.9% of holding+3.6%not yet — horizon still open140,000Form 4 · filed 1 day after the trade
2026-03-23Patel PareshdirectorPurchase2,000 @ $14.93$30K+0.1% of holding+3.6%not yet — horizon still open1,582,013Form 4 · filed same day
2026-03-20Patel PareshdirectorPurchase2,000 @ $15.50$31K+0.1% of holding+4.2%not yet — horizon still open1,580,013Form 4 · filed 3 days after the trade
2026-03-19Patel PareshdirectorPurchase2,000 @ $15.36$31K+0.1% of holding+4.0%not yet — horizon still open1,578,013Form 4 · filed 4 days after the trade
2026-03-18Patel PareshdirectorPurchase2,000 @ $16.30$33K+0.1% of holding+7.8%not yet — horizon still open1,576,013Form 4 · filed same day
2026-03-17Patel PareshdirectorPurchase2,000 @ $15.68$31K+0.1% of holding−1.6%−9.7%1,574,013Form 4 · filed 1 day after the trade

The vs-S&P columns are a labeled look-back on what the stock did after each filing, measured against the index over the same window. Descriptive history, not a claim about the person or a reason to trade.

2 award / exercise / gift records — not counted as purchases

Awards, option exercises, gifts and tax-withholding disposals are shown separately and never counted as open-market purchases or sales — they carry no conviction information.

DatePersonRoleActionSharesOwned afterFiling
2025-12-18Bulku SuelaofficerWithheld for tax3,896304,854Form 4
2025-12-18Baker Brook ArmstrongofficerWithheld for tax3,896238,006Form 4

Source: SEC Form 4 filings. Each row links to its original filing.

Across 2012–2021, stocks where a CEO, C-suite officer, or director had recently made an open-market common-stock purchase ran about +28 bp per month above the universe average (n=34,268 stock-weeks). A historical tendency, not a prediction.

Congressional disclosures

No congressional trades disclosed for this company.

Research tool, not investment advice — historical frequencies, not recommendations. A product of Marovel Technologies LLC. Full terms.