Exzeo Group Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019
Premiums & Annuity Revenue	48.19	-	-	-	50.83	20.25
Total Interest & Dividend Income	1.57	0.55	0.05	0.03	0.81	1.06
Gain (Loss) on Sale of Investments	-	-	-	-	-0.02	0.48
Other Revenue	133.95	133.95	88.33	45.63	0.1	0.04
Total Revenue	183.71	134.5	88.39	45.66	51.73	21.83
Revenue Growth (YoY)	302.33%	52.17%	93.57%	-11.73%	136.97%	-
Policy Benefits	-	-	-	-	34.06	8.51
Policy Acquisition & Underwriting Costs	-	-	-	-	15.58	6.9
Depreciation & Amortization	0.39	0.34	0.29	0.18	-	-
Selling, General & Administrative	107.52	95.6	85.49	83.21	0.54	0.56
Other Operating Expenses	-	-	-	-	7.23	6.2
Total Operating Expenses	107.91	95.93	85.78	83.38	68.19	30.32
Operating Income	75.8	38.57	2.61	-37.72	-16.46	-8.49
Interest Expense	-0.02	-3.33	-1.72	-0.88	-0	-0
Pretax Income	75.78	35.24	0.88	-38.61	-16.46	-8.49
Income Tax Expense	19.21	9.17	-12.02	3.41	-4.04	-1.58
Earnings From Continuing Ops.	56.57	26.07	12.9	-42.01	-12.42	-6.91
Earnings From Discontinued Ops.	-	19.25	8.56	-17.3	-	-
Net Income	56.57	45.32	21.46	-59.32	-12.42	-6.91
Preferred Dividends & Other Adjustments	2.21	11.37	10.06	4.48	-	-
Net Income to Common	54.36	33.96	11.41	-63.8	-12.42	-6.91
Net Income Growth	-	111.17%	-	-	-	-
Shares Outstanding (Basic)	79	77	76	76	75	75
Shares Outstanding (Diluted)	79	77	76	76	75	75
Shares Change (YoY)	4.01%	1.83%	0.56%	0.91%	-	-
EPS (Basic)	0.69	0.44	0.15	-0.84	-0.17	-0.09
EPS (Diluted)	0.45	0.44	0.15	-0.84	-0.17	-0.09
EPS Growth	-	192.37%	-	-	-	-
Free Cash Flow	213.89	188.58	56.12	-20.22	28.9	30.64
Free Cash Flow Per Share	2.72	2.43	0.74	-0.27	0.39	0.41
Operating Margin	41.26%	28.67%	2.95%	-82.62%	-31.82%	-38.89%
Profit Margin	29.59%	25.25%	12.90%	-139.72%	-24.02%	-31.66%
Free Cash Flow Margin	116.43%	140.21%	63.50%	-44.28%	55.86%	140.36%
EBITDA	78.33	40.93	4.81	-36.04	-15.36	-7.81
EBITDA Margin	42.64%	30.43%	5.44%	-78.92%	-29.69%	-35.79%
D&A For EBITDA	2.53	2.36	2.2	1.69	1.1	0.68
EBIT	75.8	38.57	2.61	-37.72	-16.46	-8.49
EBIT Margin	41.26%	28.67%	2.95%	-82.62%	-31.82%	-38.89%
Effective Tax Rate	25.35%	26.02%	-	-	-	-
Revenue as Reported	-	-	-	-	51.73	21.83

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q