Exzeo Group (XZO) CEO Paresh Patel buys 2,000 shares, holds options for 5M more

Rhea-AI Filing Summary

Exzeo Group, Inc. director and Chief Executive Officer Paresh Patel reported an open-market purchase of 2,000 shares of common stock at $16.22 per share. Following this trade, he directly owns 1,634,013 shares of Exzeo common stock.

The filing also shows Patel 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. According to the vesting schedule, one fourth of the option vested on October 1, 2022, with additional vesting in one sixteenth increments each January 1, April 1, July 1 and October 1 thereafter.

Insights

Equity market analyst

CEO’s 2,000-share purchase is small and appears routine.

Exzeo Group’s CEO Paresh Patel executed an open-market purchase of 2,000 common shares at $16.22. After this trade, he directly holds 1,634,013 shares, so the new purchase is a very small addition to his existing position.

The filing also highlights a substantial option grant: the CEO holds options, granted on October 1, 2021, to buy up to 5,000,000 shares at $23.00 per share, expiring on October 1, 2031. These options vest gradually over time, indicating long-term equity-based compensation rather than a new strategic move.

Insider Trade Summary 10b5-1

Net Buyer: 2,000 shares ($32,440)

Net Buy 2 txns

Insider Patel Paresh

Role Chief Executive Officer

Bought 2,000 shs ($32K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	2,000	$16.22	$32K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Common Stock — 1,634,013 shares (Direct, null); Stock Option (Right to Buy) — 5,000,000 shares (Direct, null)

Footnotes (1)

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Key Figures

Open-market purchase: 2,000 shares at $16.22 Shares owned after trade: 1,634,013 shares Stock option grant size: 5,000,000 shares +3 more

6 metrics

Open-market purchase 2,000 shares at $16.22 Common Stock bought on April 29, 2026

Shares owned after trade 1,634,013 shares Direct common stock holdings after April 29, 2026

Stock option grant size 5,000,000 shares Option granted October 1, 2021, underlying common stock

Option exercise price $23.00 per share Stock Option (Right to Buy) held by CEO

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

Net buy direction 2,000 net shares bought transactionSummary net-buy shares

Key Terms

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

5 terms

Stock Option (Right to Buy) financial

"security_title: "Stock Option (Right to Buy)" with 5,000,000 underlying shares"

open-market purchase financial

"transaction_action: "open-market purchase" at $16.22 per share"

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.

vesting financial

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

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

exercise price financial

"exercisePrice: "23.0000" per share for the stock option"

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" for the option grant"

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.

Form 4 Insider Transactions: What Each Field Means →

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).

X

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)
04/29/2026

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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	04/29/2026		P		2,000	A	$16.22	1,634,013	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares
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 A. Baker, Attorney-in-Fact for Paresh Patel	04/30/2026
	** 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)

FAQ

What insider transaction did Exzeo Group (XZO) report for Paresh Patel?

Exzeo Group reported that CEO Paresh Patel bought 2,000 shares of common stock in an open-market purchase at $16.22 per share. This transaction modestly increases his direct ownership stake in the company.

How many Exzeo Group (XZO) shares does the CEO hold after this Form 4?

After the reported transaction, CEO Paresh Patel directly owns 1,634,013 shares of Exzeo Group common stock. This figure reflects his position following the 2,000-share open-market purchase disclosed in the Form 4 filing.

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

Paresh Patel holds a stock option granted on October 1, 2021, to purchase 5,000,000 Exzeo Group common shares at an exercise price of $23.00 per share. The option expires on October 1, 2031, and vests in scheduled installments.

How does the Exzeo Group (XZO) CEO option grant vest over time?

The CEO’s option vested one fourth of the shares on October 1, 2022. The remaining shares vest in one sixteenth increments on each January 1, April 1, July 1 and October 1 thereafter, providing a gradual, time-based vesting schedule.

Was the Exzeo Group (XZO) CEO transaction a purchase or sale of shares?

The Form 4 shows an open-market purchase by CEO Paresh Patel. He bought 2,000 shares of Exzeo Group common stock at $16.22 per share, with no reported sales in this particular filing.