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 Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
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 |
Premiums & Annuity Revenue | - | - | - | - | - | 50.83 |
Total Interest & Dividend Income | 8.62 | 4.3 | 0.55 | 0.05 | 0.03 | 0.81 |
Gain (Loss) on Sale of Investments | - | - | - | - | - | -0.02 |
Other Revenue | 221.8 | 216.98 | 133.95 | 88.33 | 45.63 | 0.1 |
| 230.42 | 221.28 | 134.5 | 88.39 | 45.66 | 51.73 | |
Revenue Growth | 25.43% | 64.53% | 52.17% | 93.57% | -11.73% | 136.97% |
Policy Benefits | - | - | - | - | - | 34.06 |
Policy Acquisition & Underwriting Costs | - | - | - | - | - | 15.58 |
Depreciation & Amortization | 0.56 | 0.48 | 0.34 | 0.29 | 0.18 | - |
Selling, General & Administrative | 113.64 | 110.51 | 95.6 | 85.49 | 83.21 | 0.54 |
Other Operating Expenses | - | - | - | - | - | 7.23 |
Total Operating Expenses | 114.2 | 110.99 | 95.93 | 85.78 | 83.38 | 68.19 |
Operating Income | 116.22 | 110.29 | 38.57 | 2.61 | -37.72 | -16.46 |
Interest Expense | - | - | -3.33 | -1.72 | -0.88 | -0 |
Pretax Income | 116.22 | 110.29 | 35.24 | 0.88 | -38.61 | -16.46 |
Income Tax Expense | 29.41 | 27.54 | 9.17 | -12.02 | 3.41 | -4.04 |
Earnings From Continuing Ops. | 86.81 | 82.75 | 26.07 | 12.9 | -42.01 | -12.42 |
Earnings From Discontinued Ops. | - | - | 19.25 | 8.56 | -17.3 | - |
Net Income | 86.81 | 82.75 | 45.32 | 21.46 | -59.32 | -12.42 |
Preferred Dividends & Other Adjustments | 3.06 | 3.75 | 10.7 | 9.57 | 4.48 | - |
Net Income to Common | 83.75 | 79 | 34.62 | 11.89 | -63.8 | -12.42 |
Net Income Growth | 52.21% | 128.17% | 191.16% | - | - | - |
Shares Outstanding (Basic) | 85 | 80 | 77 | 76 | 76 | 75 |
Shares Outstanding (Diluted) | 85 | 80 | 77 | 76 | 76 | 75 |
Shares Change | 7.92% | 3.45% | 1.83% | 0.56% | 0.91% | - |
EPS (Basic) | 0.99 | 0.99 | 0.45 | 0.16 | -0.84 | -0.17 |
EPS (Diluted) | 0.98 | 0.99 | 0.45 | 0.16 | -0.84 | -0.17 |
EPS Growth | 117.46% | 120.55% | 185.93% | - | - | - |
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 |
Free Cash Flow | 81.53 | 97.45 | 188.58 | 56.12 | -20.22 | 28.9 |
Free Cash Flow Per Share | 0.96 | 1.22 | 2.43 | 0.74 | -0.27 | 0.39 |
Operating Margin | 50.44% | 49.84% | 28.67% | 2.95% | -82.62% | -31.82% |
Profit Margin | 36.35% | 35.70% | 25.74% | 13.45% | -139.72% | -24.02% |
Free Cash Flow Margin | 35.38% | 44.04% | 140.21% | 63.50% | -44.28% | 55.86% |
EBITDA | 119.18 | 113.23 | 40.93 | 4.81 | -36.04 | -15.36 |
EBITDA Margin | 51.72% | 51.17% | 30.43% | 5.44% | -78.92% | -29.69% |
D&A For EBITDA | 2.96 | 2.93 | 2.36 | 2.2 | 1.69 | 1.1 |
EBIT | 116.22 | 110.29 | 38.57 | 2.61 | -37.72 | -16.46 |
EBIT Margin | 50.44% | 49.84% | 28.67% | 2.95% | -82.62% | -31.82% |
Effective Tax Rate | 25.30% | 24.97% | 26.02% | - | - | - |
Revenue as Reported | - | - | - | - | - | 51.73 |