Exzeo Group, Inc. (XZO)

Exzeo Group Income Statement

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

Year Ending	TTM	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Revenue	182.14	133.95	88.33	45.63
Revenue Growth (YoY)	-	51.64%	93.58%	-
Cost of Revenue	-	80.74	71.06	71.74
Gross Profit	92.2	53.21	17.27	-26.11
Selling, General & Admin	-	8.34	7.9	7.34
Research & Development	-	6.51	6.53	4.13
Other Operating Expenses	0	0.34	0.29	0.18
Operating Expenses	-	15.19	14.72	11.64
Operating Income	74.23	38.02	2.55	-37.75
Interest Expense / Income	6.64	3.33	1.72	0.88
Other Expense / Income	-8.18	-26.4	-11.58	23.15
Pretax Income	75.78	50.94	3.04	-70.89
Income Tax	19.21	15.77	-9.05	-2.47
Net Income	56.57	45.32	21.46	-59.32
Preferred Dividends	20.3	10.15	9.37	9.11
Net Income Common	56.57	35.17	12.09	-68.42
Net Income Growth	-	190.87%	-	-
Free Cash Flow	85.78	45.93	6.91	-17.44
Gross Margin	50.62%	39.72%	19.55%	-57.22%
Operating Margin	40.76%	28.38%	2.89%	-82.73%
Profit Margin	31.06%	26.26%	13.69%	-149.94%
Free Cash Flow Margin	47.10%	34.29%	7.82%	-38.23%
Effective Tax Rate	25.35%	30.95%	-297.37%	-
EBITDA	64.64	56.63	6.97	-68.32
EBITDA Margin	35.49%	42.28%	7.89%	-149.72%
Depreciation & Amortization	2.53	2.36	2.2	1.69
EBIT	62.11	54.27	4.77	-70.01
EBIT Margin	34.10%	40.52%	5.39%	-153.42%

Source: IPO financials are sourced from S-1 and S-1/A filings submitted to the Securities and Exchange Commission (SEC).