Exzeo Group (XZO) CEO Paresh Patel buys shares, holds 5M-share option

Rhea-AI Filing Summary

Exzeo Group, Inc. director and Chief Executive Officer Paresh Patel reported an open-market purchase of common stock. On April 27, 2026, he bought 2,000 shares of Exzeo common stock at $16.88 per share, bringing his directly held common stock to 1,630,013 shares.

The filing also shows a previously granted stock option giving him the right 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 disclosure, this option was granted on October 1, 2021 and vests over time, with one-fourth vesting on October 1, 2022 and additional portions vesting on specified quarterly dates thereafter.

Insider Trade Summary 10b5-1

Net Buyer: 2,000 shares ($33,760)

Net Buy 2 txns

Insider Patel Paresh

Role Chief Executive Officer

Bought 2,000 shs ($34K)

Type	Security	Shares	Price	Value
Purchase	Common Stock	2,000	$16.88	$34K
holding	Stock Option (Right to Buy)	--	--	--

Holdings After Transaction: Common Stock — 1,630,013 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 $16.88 Shares held after trade: 1,630,013 shares Stock option size: 5,000,000 shares +3 more

6 metrics

Open-market purchase 2,000 shares at $16.88 Common stock bought on April 27, 2026

Shares held after trade 1,630,013 shares Direct common stock ownership after purchase

Stock option size 5,000,000 shares Underlying common shares for option grant

Option exercise price $23.00 per share Exercise price of stock option

Option expiration October 1, 2031 Expiration date of 5,000,000-share option

Initial option vesting One fourth on October 1, 2022 Start of vesting schedule for option grant

Key Terms

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

5 terms

Stock Option (Right to Buy) financial

"security_title: Stock Option (Right to Buy)"

open-market purchase financial

"transaction_action: open-market purchase"

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.

exercise price financial

"conversion_or_exercise_price: 23.0000"

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"

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.

vesting financial

"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."

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.

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)
04/27/2026

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	04/27/2026		P		2,000	A	$16.88	1,630,013	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	04/28/2026
	** 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) CEO Paresh Patel report?

Paresh Patel reported buying 2,000 shares of Exzeo Group common stock in an open-market purchase. The transaction occurred on April 27, 2026 at a price of $16.88 per share, increasing his directly held common stock position.

How many Exzeo Group (XZO) shares does Paresh Patel hold after this Form 4?

After the reported transaction, Paresh Patel directly holds 1,630,013 shares of Exzeo Group common stock. This total reflects his ownership following the purchase of 2,000 shares at $16.88 per share disclosed in the Form 4 filing.

What stock option position does Paresh Patel have in Exzeo Group (XZO)?

Paresh Patel holds a stock option to purchase 5,000,000 shares of Exzeo Group common stock at an exercise price of $23.00. The option expires on October 1, 2031 and represents a significant potential future equity position if fully exercised.

When was Paresh Patel’s 5,000,000-share Exzeo (XZO) option granted and how does it vest?

The option to buy 5,000,000 shares was granted on October 1, 2021. One fourth vested on October 1, 2022, and one sixteenth vests on each January 1, April 1, July 1 and October 1 thereafter, creating a structured, time-based vesting schedule.

What was the purchase price in Paresh Patel’s latest Exzeo Group (XZO) share acquisition?

Paresh Patel’s latest acquisition was an open-market purchase at $16.88 per share for 2,000 shares. This price reflects what he paid in the market on April 27, 2026 for the newly acquired common stock.

Is Paresh Patel’s stock option in Exzeo Group (XZO) currently exercisable in full?

The filing states the 5,000,000-share option vested one fourth on October 1, 2022 and one sixteenth on specified quarterly dates thereafter. This indicates the option vests in stages over time rather than being fully exercisable from the grant date.