XZO (Exzeo Group) Moat Score: 4/10 (As of Sep. 11, 2026)

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XZO Exzeo Group Inc XZO
39 GF Score
Price $16.02
! 2 Warning Signs
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What is Exzeo Group Moat Score?

Exzeo Group XZO +1.52% 39 Moat Score is 4 as of Sep. 11, 2026. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 589 Insurance companies, Exzeo Group ranks better than 79.46% on this metric.

Exzeo Group has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Exzeo Group has Narrow Moat: Exzeo Group Inc has a discernible but modest moat due to its niche market leadership and some customer loyalty. However, it lacks significant network effects or regulatory barriers to ensure a stronger moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Exzeo Group might have Narrow Moat - Discernible but modest moat.

Exzeo Group  (NYSE:XZO) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Exzeo Group Moat Score Related Terms

XZO vs IGIC, PLGO, SUND: Moat Score Comparison

For the Insurance - Diversified subindustry, Exzeo Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Exzeo Group Moat Score vs Insurance Industry

For the Insurance industry and Financial Services sector, Exzeo Group's Moat Score distribution charts can be found below:

* The bar in red indicates where Exzeo Group's Moat Score falls into.


XZO
39GF Score
Exzeo Group Inc XZO
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Exzeo Group (XZO) has a Moat Score of 4 as of Sep. 11, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Exzeo Group ranks #121 out of 589 companies in the Insurance industry, placing it in the top 20.5%.
Is Exzeo Group's Moat Score too high?
Exzeo Group's current Moat Score is 4. Based on the distribution chart, Exzeo Group ranks #121 out of 589 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Exzeo Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Exzeo Group's Moat Score compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #121 out of 589 companies for Moat Score. This places Exzeo Group in the top 21% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Insurance company?
A good Moat Score depends on the Insurance industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Exzeo Group's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exzeo Group stock overvalued right now?
Exzeo Group (XZO) has a current Moat Score of 4. The current Moat Score is 4. Exzeo Group's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Exzeo Group (XZO), the current Moat Score is 4 as of Sep. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Exzeo Group Business Description

Address 1000 Century Park Drive, Tampa, FL, USA, 33607
Exzeo Group Inc provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform, which it refers to as the Exzeo Platform, currently includes nine configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, the company provides technology-based solutions and services for all operational and administrative activities and functions needed by P&C insurance carriers and their agents.
39GF Score

Get the complete analysis for XZO

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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