Are the reported Exzeo Group (XZO) share purchases direct or indirect holdings?

The Form 4 lists all four Common Stock purchases as direct holdings, using the ownership code “D” and leaving the nature-of-ownership field blank. This indicates the shares are held directly by Paresh Patel rather than through an intermediary entity such as a trust or partnership.

Exzeo Group (XZO) CEO adds 2,000 shares in April open-market buys

Filing Impact

(Neutral)

Filing Sentiment

(Positive)

Form Type

Rhea-AI Filing Summary

Exzeo Group, Inc. director and Chief Executive Officer Paresh Patel reported multiple open-market purchases of Common Stock. On April 14, 2026, he bought a total of 2,000 shares at prices between $16.14 and $16.19 per share, bringing his direct Common Stock holdings to 1,612,013 shares.

He also holds a stock option granted on October 1, 2021 to buy 5,000,000 shares of Common Stock at an exercise price of $23.00 per share, expiring on October 1, 2031. The option vested 25% on October 1, 2022 and continues vesting in equal sixteenth installments each quarter.

Insider Trade Summary 10b5-1

Net Buyer: 2,000 shares ($32,302)

Net Buy 5 txns

Insider Patel Paresh

Role Chief Executive Officer

Bought 2,000 shs ($32K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	270	$16.17	$4K
Purchase	Common Stock	130	$16.18	$2K
Purchase	Common Stock	166	$16.19	$3K
Purchase	Common Stock	1,434	$16.14	$23K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Common Stock — 1,610,283 shares (Direct); Stock Option (Right to Buy) — 5,000,000 shares (Direct)

Footnotes (1)

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Key Figures

Shares purchased: 2,000 shares Purchase prices: $16.14–$16.19 per share Common shares held: 1,612,013 shares +3 more

6 metrics

Shares purchased 2,000 shares Common Stock bought in open market on April 14, 2026

Purchase prices $16.14–$16.19 per share Range of reported Common Stock buy prices

Common shares held 1,612,013 shares Direct Common Stock ownership after April 14, 2026 purchases

Option underlying shares 5,000,000 shares Underlying Common Stock for option grant dated October 1, 2021

Option exercise price $23.00 per share Stock Option (Right to Buy) strike price

Option expiration October 1, 2031 Expiration date of CEO stock option grant

Key Terms

open-market purchase, Stock Option (Right to Buy), exercise price, expiration date, +1 more

5 terms

open-market purchase financial

"transaction_action: "open-market purchase" for Common Stock buys"

An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.

Stock Option (Right to Buy) financial

"security_title: "Stock Option (Right to Buy)" in derivative holdings"

exercise price financial

"conversion_or_exercise_price: "23.0000" shows the option’s exercise price"

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

expiration date financial

"expiration_date: "2031-10-01T00:00:00.000Z" indicates the option’s expiration date"

The expiration date is the deadline after which a financial contract, such as an option or a futures agreement, is no longer valid or can be exercised. It matters to investors because it determines the timeframe during which they can take action or benefit from the contract, similar to how a coupon or a food item has a limited period of usefulness. Once the expiration date passes, the contract loses its value or ability to be used.

vested financial

"The option vested with respect to one fourth of the shares on October 1, 2022"

Form 4 Insider Transactions: What Each Field Means →

04/15/2026 - 04:15 PM

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Patel Paresh

(Last)

(First)

(Middle)

1000 CENTURY PARK DRIVE

(Street)

TAMPA

FLORIDA

33607

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Exzeo Group, Inc. [ XZO ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chief Executive Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/14/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	04/14/2026		P		270	A	$16.17	1,610,283	D
Common Stock	04/14/2026		P		130	A	$16.18	1,610,413	D
Common Stock	04/14/2026		P		166	A	$16.19	1,610,579	D
Common Stock	04/14/2026		P		1,434	A	$16.14	1,612,013	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
Stock Option (Right to Buy)	$23							⁽¹⁾	10/01/2031	Common Stock	5,000,000		5,000,000	D

Explanation of Responses:

1. On October 1, 2021, the reporting person was granted an option to purchase 5,000,000 shares of common stock. The option vested with respect to one fourth of the shares on October 1, 2022 and with respect to one sixteenth of the shares on each January 1, April 1, July 1 and October 1 thereafter.

	/s/ Brook Baker, Attorney-in-Fact for Paresh Patel	04/15/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR

FAQ

What insider transactions did Exzeo Group (XZO) report in this Form 4?

Exzeo Group reported that CEO and director Paresh Patel bought 2,000 shares of Common Stock on April 14, 2026 through four open-market purchases priced between $16.14 and $16.19 per share, increasing his direct holdings to 1,612,013 shares after these transactions.

At what prices did Exzeo Group (XZO) CEO Paresh Patel buy shares?

Paresh Patel’s open-market purchases on April 14, 2026 were executed at per-share prices of $16.17, $16.18, $16.19 and $16.14. These trades together totaled 2,000 shares of Exzeo Group Common Stock and were reported as direct ownership transactions in the Form 4.

How many Exzeo Group (XZO) shares does the CEO own after these trades?

Following the April 14, 2026 purchases, CEO Paresh Patel directly owns 1,612,013 shares of Exzeo Group Common Stock. This figure reflects the cumulative result of the four reported open-market buys, as disclosed in the Form 4’s post-transaction ownership column.

What stock options for Exzeo Group (XZO) does Paresh Patel hold?

Paresh Patel holds a Stock Option (Right to Buy) covering 5,000,000 underlying shares of Exzeo Group Common Stock with an exercise price of $23.00 per share and an expiration date of October 1, 2031, as shown in the derivative holdings section and related footnote.

How does the Exzeo Group (XZO) CEO’s stock option vest?

The footnote explains that the 5,000,000-share option granted October 1, 2021 vested 25% on October 1, 2022. The remaining shares vest in one sixteenth increments on each January 1, April 1, July 1 and October 1 thereafter, following a structured quarterly vesting schedule.