Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
16.48
-0.07 (-0.42%)
Sep 2, 2026, 4:00 PM EDT - Market closed
Exzeo Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Net Income | 86.81 | 82.75 | 45.32 | 21.46 | -59.32 | -12.42 |
Depreciation & Amortization | 2.96 | 2.93 | 2.36 | 2.2 | 1.69 | 1.1 |
Gain (Loss) on Sale of Investments | -0.03 | - | - | - | - | 0.07 |
Stock-Based Compensation | 2.71 | 2.64 | 3.38 | 2.93 | 3.51 | 1.77 |
Change in Accounts Receivable | -1.79 | -2.91 | - | - | - | -2.36 |
Reinsurance Recoverable | - | - | - | - | - | 0.03 |
Change in Accounts Payable | 0.55 | 0.43 | 0.44 | 0.61 | -0.65 | - |
Change in Unearned Revenue | -6.84 | 18.88 | 15.5 | 4.65 | 22.63 | 28.57 |
Change in Income Taxes | 0.31 | 5.55 | 4.22 | -2.49 | -1.89 | 0.89 |
Change in Insurance Reserves / Liabilities | - | - | - | - | - | 14.58 |
Change in Other Net Operating Assets | -2.01 | -5.06 | -4.36 | -4.96 | -2.19 | 1.32 |
Other Operating Activities | 0.97 | -4.92 | -17.6 | -14.24 | 22.22 | -0.08 |
Operating Cash Flow | 83.66 | 100.3 | 191.91 | 59.37 | -16.76 | 30.38 |
Operating Cash Flow Growth | -61.39% | -47.74% | 223.25% | - | - | -8.19% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Capital Expenditures | -2.13 | -2.84 | -3.33 | -3.25 | -3.45 | -1.49 |
Investment in Securities | -198.4 | - | - | - | - | -1.02 |
Other Investing Activities | - | - | -189.19 | -13.35 | -238.37 | - |
Investing Cash Flow | -200.52 | -2.84 | -192.52 | -16.6 | -241.82 | -2.51 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Short-Term Debt Issued | - | - | - | - | - | 22 |
Long-Term Debt Issued | - | - | 100 | - | 17.99 | - |
Total Debt Issued | - | - | 100 | - | 17.99 | 22 |
Total Debt Repaid | - | - | -2.99 | -0.01 | -0.01 | -0.01 |
Net Debt Issued (Repaid) | - | - | 97.01 | -0.01 | 17.98 | 21.99 |
Issuance of Common Stock | 156.21 | 156.21 | - | - | - | 0.01 |
Repurchases of Common Stock | -11.53 | -1.49 | -0.48 | -0.35 | -0.41 | - |
Repurchases of Preferred Stock | - | - | -100 | - | - | - |
Preferred Dividends Paid | - | - | -2.92 | -6.76 | -5.51 | - |
Total Dividends Paid | - | - | -2.92 | -6.76 | -5.51 | - |
Other Financing Activities | -1.44 | -1.07 | - | - | 17.99 | -0.01 |
Financing Cash Flow | 143.23 | 153.65 | -6.4 | -7.12 | 30.06 | 21.99 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Foreign Exchange Rate Adjustments | -0.37 | -0.23 | -0.09 | -0.04 | -0.1 | 0 |
Net Cash Flow | 26 | 250.87 | -7.09 | 35.61 | -228.62 | 49.86 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Free Cash Flow | 81.53 | 97.45 | 188.58 | 56.12 | -20.22 | 28.9 |
Free Cash Flow Growth | -61.88% | -48.32% | 236.01% | - | - | -5.69% |
Free Cash Flow Margin | 35.38% | 44.04% | 140.21% | 63.50% | -44.28% | 55.86% |
Free Cash Flow Per Share | 0.96 | 1.22 | 2.43 | 0.74 | -0.27 | 0.39 |
Levered Free Cash Flow | 68.55 | 91.67 | -11.18 | - | - | 10.37 |
Unlevered Free Cash Flow | 68.55 | 91.67 | -9.09 | - | - | 10.37 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 |
Cash Interest Paid | - | - | 3.47 | 1.68 | 0.8 | 0 |
Cash Income Tax Paid | 34.22 | 34.22 | 14.26 | 0.87 | 0.78 | 0.15 |
Change in Working Capital | -9.76 | 16.9 | 15.8 | -2.2 | 17.9 | 39.95 |