Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
15.67
+0.32 (2.08%)
At close: Aug 13, 2026, 4:00 PM EDT
15.66
-0.01 (-0.06%)
After-hours: Aug 13, 2026, 7:34 PM EDT
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 | 64.83 | 82.75 | 26.07 | 12.9 | -42.01 | -12.42 |
Depreciation & Amortization | 2.96 | 2.93 | 2.36 | 2.2 | 1.69 | 1.1 |
Stock-Based Compensation | 2.71 | 2.64 | 3.38 | 2.93 | 3.51 | 1.77 |
Other Adjustments | 0.94 | -4.92 | -17.6 | -14.24 | 22.22 | -0.02 |
Change in Receivables | -1.79 | -2.91 | - | - | - | -2.33 |
Changes in Accounts Payable | 0.55 | 0.43 | 0.44 | 0.61 | -0.65 | - |
Changes in Accrued Expenses | 0.53 | 0.25 | 0.75 | -0.65 | 0.38 | 0.87 |
Changes in Income Taxes Payable | 0.31 | 5.55 | 4.22 | -2.49 | -1.89 | 0.89 |
Changes in Unearned Revenue | -6.84 | 18.88 | 15.5 | 4.65 | 22.63 | 28.57 |
Changes in Other Operating Activities | -2.53 | -5.32 | -5.11 | -4.31 | -2.56 | 11.95 |
Operating Cash Flow | 72.38 | 100.3 | 49.27 | 10.15 | -13.99 | 30.38 |
Operating Cash Flow Growth | 5.44% | 103.58% | 385.24% | - | - | -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 |
Purchases of Investments | - | - | - | - | - | -18.51 |
Proceeds from Sale of Investments | - | - | - | - | - | 17.48 |
Other Investing Activities | - | - | - | - | -17.99 | - |
Investing Cash Flow | -200.52 | -2.84 | -3.33 | -3.25 | -21.45 | -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 |
Long-Term Debt Issued | - | - | 100 | - | 17.99 | 22 |
Long-Term Debt Repaid | - | - | -2.99 | -0.01 | -0.01 | -0.01 |
Net Long-Term Debt Issued (Repaid) | - | - | 97.01 | -0.01 | 17.98 | 21.99 |
Issuance of Common Stock | - | 156.21 | - | - | - | 0.01 |
Repurchase of Common Stock | -11.53 | -1.49 | -0.48 | -0.35 | -0.41 | - |
Net Common Stock Issued (Repurchased) | -11.53 | 154.72 | -0.48 | -0.35 | -0.41 | 0.01 |
Repurchase of Preferred Stock | - | - | -100 | - | - | - |
Net Preferred Stock Issued (Repurchased) | - | - | -100 | - | - | - |
Preferred Share Dividends Paid | - | - | -2.92 | -6.76 | -5.51 | - |
Other Financing Activities | -1.44 | -1.07 | - | - | - | -0.01 |
Financing Cash Flow | 143.23 | 153.65 | -6.4 | -7.12 | 12.07 | 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 | -168.64 | 250.87 | 39.45 | -0.26 | -23.47 | 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 | 70.25 | 97.45 | 45.93 | 6.91 | -17.44 | 28.9 |
Free Cash Flow Growth | 6.66% | 112.17% | 565.10% | - | - | -5.69% |
FCF Margin | 31.67% | 44.91% | 34.29% | 7.82% | -38.23% | 55.86% |
Free Cash Flow Per Share | 0.83 | 1.22 | 0.59 | 0.09 | - | - |
Levered Free Cash Flow | 14.01 | 102.65 | 147.01 | 8.84 | -34.3 | 51.46 |
Unlevered Free Cash Flow | 97.76 | 99.42 | 42.95 | 34.08 | -24.95 | 29.48 |