Exzeo Group (XZO) Financials

$13.69 -0.02 (-0.17%)

Closing price 05/19/2026 03:59 PM Eastern

Extended Trading

$13.90 +0.21 (+1.55%)

As of 05/19/2026 06:11 PM Eastern

Annual Income Statements for Exzeo Group

This table shows Exzeo Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	12	35	83
Consolidated Net Income / (Loss)	21	45	83
Net Income / (Loss) Continuing Operations	13	26	83
Total Pre-Tax Income	0.88	35	110
Total Operating Income	2.55	38	106
Total Gross Profit	17	53	131
Total Revenue	88	134	217
Operating Revenue	88	134	217
Total Cost of Revenue	71	81	86
Operating Cost of Revenue	71	81	86
Total Operating Expenses	15	15	25
Selling, General & Admin Expense	7.90	8.34	16
Research & Development Expense	6.53	6.51	8.83
Depreciation Expense	0.29	0.34	0.48
Total Other Income / (Expense), net	-1.67	-2.78	4.30
Interest Expense	1.72	3.33	0.00
Interest & Investment Income	0.05	0.55	4.30
Income Tax Expense	-12	9.17	28
Net Income / (Loss) Discontinued Operations	8.56	19	0.00
Preferred Stock Dividends Declared	9.37	10	0.00
Basic Earnings per Share	$0.15	$0.44	$0.99
Weighted Average Basic Shares Outstanding	-	-	90.91M
Diluted Earnings per Share	$0.15	$0.44	$0.99
Weighted Average Diluted Shares Outstanding	-	-	90.91M
Weighted Average Basic & Diluted Shares Outstanding	-	-	90.91M

This table shows Exzeo Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2024	Q1 2025	Q3 2025	Q1 2026
Period end date	9/30/2024	3/31/2025	9/30/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	5.26	18	21	20
Consolidated Net Income / (Loss)	5.26	18	21	20
Net Income / (Loss) Continuing Operations	5.26	18	21	20
Total Pre-Tax Income	6.91	24	28	28
Total Operating Income	6.73	24	27	25
Total Gross Profit	11	29	34	33
Total Revenue	29	52	55	56
Operating Revenue	29	52	55	56
Total Cost of Revenue	18	24	21	23
Operating Cost of Revenue	18	24	21	23
Total Operating Expenses	4.39	5.03	6.52	7.67
Selling, General & Admin Expense	2.57	2.71	3.90	5.22
Research & Development Expense	1.73	2.22	2.49	2.31
Depreciation Expense	0.09	0.10	0.13	0.15
Total Other Income / (Expense), net	0.18	0.40	1.10	2.51
Interest & Investment Income	0.20	0.40	1.10	2.51
Income Tax Expense	1.66	6.24	7.20	7.18
Basic Earnings per Share	$0.06	$0.22	$0.25	$0.22
Weighted Average Basic Shares Outstanding	-	-	90.77M	90.92M
Diluted Earnings per Share	$0.06	$0.22	$0.25	$0.22
Weighted Average Diluted Shares Outstanding	-	-	90.77M	90.92M
Weighted Average Basic & Diluted Shares Outstanding	-	-	90.77M	90.92M

This table details how cash moves in and out of Exzeo Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	36	-7.09	251
Net Cash From Operating Activities	10	49	100
Net Cash From Continuing Operating Activities	10	49	100
Net Income / (Loss) Continuing Operations	13	26	83
Consolidated Net Income / (Loss)	21	45	83
Net Income / (Loss) Discontinued Operations	8.56	19	0.00
Depreciation Expense	2.20	2.36	2.93
Non-Cash Adjustments To Reconcile Net Income	0.83	0.93	6.87
Changes in Operating Assets and Liabilities, net	-5.78	20	7.74
Net Cash From Investing Activities	-3.25	-3.33	-2.84
Net Cash From Continuing Investing Activities	-3.25	-3.33	-2.84
Purchase of Property, Plant & Equipment	-3.25	-3.33	-2.84
Net Cash From Financing Activities	-7.12	-6.40	154
Net Cash From Continuing Financing Activities	-7.12	-6.40	154
Repayment of Debt	-0.01	-2.99	-1.07
Repurchase of Preferred Equity	0.00	-100	0.00
Repurchase of Common Equity	-0.35	-0.48	-1.49
Payment of Dividends	-6.76	-2.92	0.00
Issuance of Debt	0.00	100	0.00
Issuance of Common Equity	0.00	0.00	156
Effect of Exchange Rate Changes	-0.04	-0.09	-0.23
Other Net Changes in Cash	36	-47	0.00
Cash Interest Paid	1.68	3.47	0.00
Cash Income Taxes Paid	0.87	14	34

This table details how cash moves in and out of Exzeo Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q4 2024	Q1 2025	Q4 2025	Q1 2026
Period end date	12/31/2024	3/31/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	16	19	164	-74
Net Cash From Operating Activities	20	20	11	25
Net Cash From Continuing Operating Activities	20	20	11	25
Net Income / (Loss) Continuing Operations	12	18	22	20
Consolidated Net Income / (Loss)	12	18	22	20
Depreciation Expense	0.44	0.71	0.59	0.73
Amortization Expense	-	0.00	-	-0.00
Non-Cash Adjustments To Reconcile Net Income	-0.81	-26	2.04	-6.40
Changes in Operating Assets and Liabilities, net	8.59	27	-13	11
Net Cash From Investing Activities	-0.65	-0.77	-0.40	-99
Net Cash From Continuing Investing Activities	-0.65	-0.77	-0.40	-99
Purchase of Property, Plant & Equipment	-0.65	-0.77	-0.40	-0.33
Purchase of Investments	-	0.00	-	-99
Net Cash From Financing Activities	-2.99	0.00	154	-0.06
Net Cash From Continuing Financing Activities	-2.99	0.00	154	-0.06
Repayment of Debt	-	0.00	-	-0.06
Effect of Exchange Rate Changes	-	-0.01	-	-0.09

This table presents Exzeo Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2024	2025
Period end date	12/31/2024	12/31/2025
Total Assets	89	348
Total Current Assets	67	326
Cash & Equivalents	55	305
Accounts Receivable	2.58	14
Prepaid Expenses	0.61	1.48
Other Current Assets	6.44	4.77
Plant, Property, & Equipment, net	11	11
Total Noncurrent Assets	11	11
Long-Term Investments	-	0.00
Noncurrent Deferred & Refundable Income Taxes	0.00	2.98
Other Noncurrent Operating Assets	11	8.28
Total Liabilities & Shareholders' Equity	89	348
Total Liabilities	74	94
Total Current Liabilities	56	84
Accounts Payable	2.13	4.02
Accrued Expenses	4.32	4.61
Current Deferred & Payable Income Tax Liabilities	0.00	2.46
Other Current Liabilities	2.13	73
Total Noncurrent Liabilities	18	9.19
Other Noncurrent Operating Liabilities	7.07	9.19
Commitments & Contingencies	0.00	0.00
Total Equity & Noncontrolling Interests	16	254
Total Preferred & Common Equity	16	254
Total Common Equity	16	254
Common Stock	73	229
Retained Earnings	-57	25
Accumulated Other Comprehensive Income / (Loss)	-	0.00

This table presents Exzeo Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2025	Q1 2026
Period end date	9/30/2025	3/31/2026
Total Assets	182	380
Total Current Assets	163	261
Cash & Equivalents	141	231
Accounts Receivable	13	22
Prepaid Expenses	1.12	1.19
Other Current Assets	7.29	5.95
Plant, Property, & Equipment, net	11	10
Total Noncurrent Assets	8.76	109
Long-Term Investments	-	99
Noncurrent Deferred & Refundable Income Taxes	0.01	2.91
Other Noncurrent Operating Assets	8.74	7.16
Total Liabilities & Shareholders' Equity	182	380
Total Liabilities	104	105
Total Current Liabilities	94	99
Accounts Payable	13	7.61
Accrued Expenses	3.95	5.45
Current Deferred & Payable Income Tax Liabilities	1.43	9.39
Other Current Liabilities	75	76
Total Noncurrent Liabilities	9.90	6.25
Other Noncurrent Operating Liabilities	9.90	6.25
Commitments & Contingencies	0.00	0.00
Total Equity & Noncontrolling Interests	78	275
Total Preferred & Common Equity	78	275
Total Common Equity	78	275
Common Stock	75	229
Retained Earnings	3.43	46
Accumulated Other Comprehensive Income / (Loss)	-	-0.36

This table displays calculated financial ratios and metrics derived from Exzeo Group's official financial filings.

Metric	2023	2024	2025
Period end date	12/31/2023	12/31/2024	12/31/2025
Growth Metrics	-	-	-
Revenue Growth	0.00%	51.64%	61.99%
EBITDA Growth	0.00%	748.99%	169.76%
EBIT Growth	0.00%	1,388.53%	178.80%
NOPAT Growth	0.00%	-24.63%	182.74%
Net Income Growth	0.00%	111.17%	82.58%
EPS Growth	0.00%	193.33%	125.00%
Operating Cash Flow Growth	0.00%	385.24%	103.58%
Free Cash Flow Firm Growth	0.00%	0.00%	37.76%
Invested Capital Growth	0.00%	0.00%	-32.38%
Revenue Q/Q Growth	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-
Gross Margin	19.55%	39.72%	60.38%
EBITDA Margin	5.38%	30.14%	50.20%
Operating Margin	2.89%	28.38%	48.85%
EBIT Margin	2.89%	28.38%	48.85%
Profit (Net Income) Margin	24.30%	33.83%	38.14%
Tax Burden Percent	2,430.58%	128.62%	75.03%
Interest Burden Percent	34.57%	92.68%	104.06%
Effective Tax Rate	-1,361.04%	26.02%	24.97%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	292.26%	61.37%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	0.00%	42.51%	48.49%
Return on Assets (ROA)	0.00%	50.67%	37.86%
Return on Common Equity (ROCE)	0.00%	292.26%	61.37%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	37	28	80
NOPAT Margin	42.24%	21.00%	36.65%
Net Nonoperating Expense Percent (NNEP)	0.00%	63.46%	1.80%
Return On Investment Capital (ROIC_SIMPLE)	-	181.37%	31.29%
Cost of Revenue to Revenue	80.45%	60.28%	39.62%
SG&A Expenses to Revenue	8.94%	6.23%	7.25%
R&D to Revenue	7.39%	4.86%	4.07%
Operating Expenses to Revenue	16.66%	11.34%	11.54%
Earnings before Interest and Taxes (EBIT)	2.55	38	106
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	4.76	40	109
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.00	10.83	8.67
Price to Tangible Book Value (P/TBV)	0.00	10.83	8.67
Price to Revenue (P/Rev)	1.90	1.25	10.16
Price to Earnings (P/E)	13.89	4.78	26.64
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	7.20%	20.94%	3.75%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.85	8.75
Enterprise Value to EBITDA (EV/EBITDA)	0.00	2.81	17.44
Enterprise Value to EBIT (EV/EBIT)	0.00	2.99	17.92
Enterprise Value to NOPAT (EV/NOPAT)	0.00	4.04	23.88
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	2.30	18.94
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	1.70	20.63
Leverage & Solvency	-	-	-
Debt to Equity	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00
Financial Leverage	0.00	-3.50	-1.33
Leverage Ratio	0.00	5.77	1.62
Compound Leverage Factor	0.00	5.35	1.69
Debt to Total Capital	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00
Altman Z-Score	0.00	3.51	16.70
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-
Current Ratio	0.00	1.19	3.86
Quick Ratio	0.00	1.01	3.79
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	67	92
Operating Cash Flow to CapEx	312.69%	1,477.68%	3,526.65%
Free Cash Flow to Firm to Interest Expense	0.00	20.07	0.00
Operating Cash Flow to Interest Expense	5.89	14.80	0.00
Operating Cash Flow Less CapEx to Interest Expense	4.01	13.80	0.00
Efficiency Ratios	-	-	-
Asset Turnover	0.00	1.50	0.99
Accounts Receivable Turnover	0.00	51.90	25.86
Inventory Turnover	0.00	0.00	0.00
Fixed Asset Turnover	0.00	12.46	20.27
Accounts Payable Turnover	0.00	37.83	27.92
Days Sales Outstanding (DSO)	0.00	7.03	14.12
Days Inventory Outstanding (DIO)	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	9.65	13.07
Cash Conversion Cycle (CCC)	0.00	-2.61	1.04
Capital & Investment Metrics	-	-	-
Invested Capital	0.00	-39	-51
Invested Capital Turnover	0.00	-6.92	-4.83
Increase / (Decrease) in Invested Capital	0.00	-39	-13
Enterprise Value (EV)	0.00	113	1,899
Market Capitalization	168	168	2,205
Book Value per Share	$0.00	$1.94	$2.80
Tangible Book Value per Share	$0.00	$1.94	$2.80
Total Capital	0.00	16	254
Total Debt	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00
Net Debt	0.00	-55	-305
Capital Expenditures (CapEx)	3.25	3.33	2.84
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	-44	-64
Debt-free Net Working Capital (DFNWC)	0.00	11	241
Net Working Capital (NWC)	0.00	11	241
Net Nonoperating Expense (NNE)	16	-17	-3.23
Net Nonoperating Obligations (NNO)	0.00	-54	-305
Total Depreciation and Amortization (D&A)	2.20	2.36	2.93
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	-32.59%	-29.47%
Debt-free Net Working Capital to Revenue	0.00%	8.10%	111.27%
Net Working Capital to Revenue	0.00%	8.10%	111.27%
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.99
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	90.91M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.99
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	90.91M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	90.91M
Normalized Net Operating Profit after Tax (NOPAT)	1.79	28	80
Normalized NOPAT Margin	2.02%	21.00%	36.65%
Pre Tax Income Margin	1.00%	26.31%	50.83%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	1.48	11.42	0.00
NOPAT to Interest Expense	21.66	8.45	0.00
EBIT Less CapEx to Interest Expense	-0.40	10.42	0.00
NOPAT Less CapEx to Interest Expense	19.77	7.45	0.00
Payout Ratios	-	-	-
Dividend Payout Ratio	31.51%	6.45%	0.00%
Augmented Payout Ratio	33.15%	7.51%	1.80%

This table displays calculated financial ratios and metrics derived from Exzeo Group's official financial filings.

Metric	Q3 2024	Q1 2025	Q3 2025	Q1 2026
Period end date	9/30/2024	3/31/2025	9/30/2025	3/31/2026
DEI Shares Outstanding	0.00	0.00	0.00	90,913,540.00
DEI Adjusted Shares Outstanding	0.00	0.00	0.00	90,913,540.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.00	0.00	0.22
Growth Metrics	-	-	-	-
Revenue Growth	0.00%	0.00%	89.51%	5.97%
EBITDA Growth	0.00%	0.00%	301.51%	5.28%
EBIT Growth	0.00%	0.00%	304.93%	5.37%
NOPAT Growth	0.00%	0.00%	297.16%	5.05%
Net Income Growth	0.00%	0.00%	302.34%	13.68%
EPS Growth	0.00%	0.00%	316.67%	0.00%
Operating Cash Flow Growth	0.00%	0.00%	0.00%	28.83%
Free Cash Flow Firm Growth	0.00%	0.00%	0.00%	0.00%
Invested Capital Growth	0.00%	0.00%	0.00%	0.00%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	-0.73%	0.00%	125.80%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-
Gross Margin	38.20%	55.00%	61.22%	58.96%
EBITDA Margin	23.42%	46.76%	49.63%	46.46%
Operating Margin	23.12%	45.41%	49.40%	45.15%
EBIT Margin	23.12%	45.41%	49.40%	45.15%
Profit (Net Income) Margin	18.06%	34.25%	38.34%	36.75%
Tax Burden Percent	76.06%	74.19%	74.60%	73.97%
Interest Burden Percent	102.70%	101.67%	104.04%	110.02%
Effective Tax Rate	23.94%	25.81%	25.40%	26.03%
Return on Invested Capital (ROIC)	0.00%	0.00%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	0.00%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.00%	0.00%	0.00%
Return on Equity (ROE)	0.00%	0.00%	0.00%	30.99%
Cash Return on Invested Capital (CROIC)	0.00%	0.00%	0.00%	0.00%
Operating Return on Assets (OROA)	0.00%	0.00%	0.00%	26.17%
Return on Assets (ROA)	0.00%	0.00%	0.00%	21.30%
Return on Common Equity (ROCE)	0.00%	0.00%	0.00%	30.99%
Return on Equity Simple (ROE_SIMPLE)	0.00%	0.00%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	5.12	18	20	19
NOPAT Margin	17.58%	33.69%	36.85%	33.40%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	1.17%	1.13%
Return On Investment Capital (ROIC_SIMPLE)	-	-	25.92%	6.75%
Cost of Revenue to Revenue	61.80%	45.00%	38.78%	41.04%
SG&A Expenses to Revenue	8.84%	5.16%	7.07%	9.39%
R&D to Revenue	5.94%	4.24%	4.52%	4.15%
Operating Expenses to Revenue	15.08%	9.59%	11.82%	13.81%
Earnings before Interest and Taxes (EBIT)	6.73	24	27	25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	6.82	25	27	26
Valuation Ratios	-	-	-	-
Price to Book Value (P/BV)	0.00	0.00	2.14	4.85
Price to Tangible Book Value (P/TBV)	0.00	0.00	2.14	4.85
Price to Revenue (P/Rev)	0.00	0.00	0.00	6.06
Price to Earnings (P/E)	0.00	0.00	0.00	15.65
Dividend Yield	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	6.39%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	4.56
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	9.11
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	9.36
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	12.49
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	9.47
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00
Leverage & Solvency	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00	0.00
Financial Leverage	0.00	0.00	-1.80	-1.20
Leverage Ratio	0.00	0.00	2.32	1.38
Compound Leverage Factor	0.00	0.00	2.42	1.52
Debt to Total Capital	0.00%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	0.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.00	0.00	0.00
Net Debt to EBITDA	0.00	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00
Debt to NOPAT	0.00	0.00	0.00	0.00
Net Debt to NOPAT	0.00	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00
Altman Z-Score	0.00	0.00	0.00	9.11
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-
Current Ratio	0.00	0.00	1.73	2.65
Quick Ratio	0.00	0.00	1.64	2.57
Cash Flow Metrics	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	0.00	83	74
Operating Cash Flow to CapEx	0.00%	2,571.13%	0.00%	7,789.60%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-
Asset Turnover	0.00	0.00	0.00	0.58
Accounts Receivable Turnover	0.00	0.00	0.00	9.82
Inventory Turnover	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	0.00	21.46
Accounts Payable Turnover	0.00	0.00	0.00	11.19
Days Sales Outstanding (DSO)	0.00	0.00	0.00	37.16
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	32.61
Cash Conversion Cycle (CCC)	0.00	0.00	0.00	4.55
Capital & Investment Metrics	-	-	-	-
Invested Capital	0.00	0.00	-62	-55
Invested Capital Turnover	0.00	0.00	0.00	-8.01
Increase / (Decrease) in Invested Capital	0.00	0.00	-62	-55
Enterprise Value (EV)	0.00	0.00	27	1,004
Market Capitalization	168	168	168	1,334
Book Value per Share	$0.00	$0.00	$0.86	$3.02
Tangible Book Value per Share	$0.00	$0.00	$0.86	$3.02
Total Capital	0.00	0.00	78	275
Total Debt	0.00	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.00	0.00	0.00
Net Debt	0.00	0.00	-141	-330
Capital Expenditures (CapEx)	0.00	0.77	0.00	0.33
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	0.00	-72	-69
Debt-free Net Working Capital (DFNWC)	0.00	0.00	69	162
Net Working Capital (NWC)	0.00	0.00	69	162
Net Nonoperating Expense (NNE)	-0.14	-0.30	-0.82	-1.86
Net Nonoperating Obligations (NNO)	0.00	0.00	-141	-330
Total Depreciation and Amortization (D&A)	0.09	0.71	0.13	0.73
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	0.00%	0.00%	-31.36%
Debt-free Net Working Capital to Revenue	0.00%	0.00%	0.00%	73.76%
Net Working Capital to Revenue	0.00%	0.00%	0.00%	73.76%
Earnings Adjustments	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.25	$0.22
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	90.77M	90.92M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.25	$0.22
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	90.77M	90.92M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	90.77M	90.92M
Normalized Net Operating Profit after Tax (NOPAT)	5.12	18	20	19
Normalized NOPAT Margin	17.58%	33.69%	36.85%	33.40%
Pre Tax Income Margin	23.74%	46.17%	51.40%	49.68%
Debt Service Ratios	-	-	-	-
EBIT to Interest Expense	448.67	0.00	0.00	0.00
NOPAT to Interest Expense	341.24	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%

Financials Breakdown Chart

Key Financial Trends

Here are the key takeaways from Exzeo Group (NYSE: XZO) using the latest quarterly data provided (Q4 2025 cash flow, Q3 2025 balance sheet and income statement, plus relevant prior quarters). The focus is on trends across the last four reported quarters as available in the data.

Significant revenue growth: Revenue surged from 29.11 million (Q3 2024) to 55.17 million (Q3 2025), an increase of about 89% year over year.
Gross margin expansion: Gross profit rose from 11.21 million on 29.11 million revenue (roughly 38% margin) in Q3 2024 to 33.77 million on 55.17 million revenue (about 61% margin) in Q3 2025.
Strong profitability to common shareholders: Net income to common shareholders increased from 5.26 million (Q3 2024) to 21.15 million (Q3 2025); basic and diluted EPS rose to 0.25 in Q3 2025 from 0.06 in Q3 2024.
Solid liquidity position: Cash and cash equivalents stood at about 140.9 million as of Q3 2025, with a current asset base of 162.6 million against current liabilities of 93.9 million (roughly 1.73x current ratio).
Access to financing: Net cash from financing activities was a strong inflow of 153.65 million in Q4 2025 (vs. a small net outflow in Q4 2024), indicating ready access to capital markets or financing options.
Capex light: Purchases of property, plant, and equipment were minimal (about 0.4 million in Q4 2025), contributing to a small investing cash outflow (net investing cash flow of -0.403 million in that quarter).
Operating cash flow remains positive: Net cash from continuing operating activities was 11.28 million in Q4 2025, which, while smaller than the prior year's quarter, still indicates ongoing cash generation.
Tax and interest context: Pre-tax income around 28.35 million with income tax expense about 7.20 million yields a tax rate near 25% in Q3 2025; interest expense is minimal (0 in Q3 2025) with small interest income, supporting a lean financing cost profile.
Share repurchases modest: Repurchase of common equity was about 1.49 million in Q4 2025, a modest use of cash for share buybacks.
Liquidity risk to watch: A notable -13.34 million net decrease from changes in operating assets and liabilities in Q4 2025 pressed near-term cash generation despite positive net income, indicating working capital dynamics warrant monitoring.

05/20/26 01:53 AM ETAI Generated. May Contain Errors.

Exzeo Group Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Exzeo Group's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Exzeo Group's net income appears to be on an upward trend, with a most recent value of $82.75 million in 2025, rising from $21.46 million in 2023. The previous period was $45.32 million in 2024. Find out what analysts predict for Exzeo Group in the coming months.

Exzeo Group's total operating income in 2025 was $105.99 million, based on the following breakdown:

Total Gross Profit: $131.02 million
Total Operating Expenses: $25.03 million

Over the last 2 years, Exzeo Group's total revenue changed from $88.33 million in 2023 to $216.98 million in 2025, a change of 145.6%.

Exzeo Group's total liabilities were at $93.58 million at the end of 2025, a 26.6% increase from 2024, and a 26.6% increase since 2024.

In the past 1 years, Exzeo Group's cash and equivalents has ranged from $54.50 million in 2024 to $305.37 million in 2025, and is currently $305.37 million as of their latest financial filing in 2025.

Over the last 2 years, Exzeo Group's book value per share changed from 0.00 in 2023 to 2.80 in 2025, a change of 280.0%.

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Financial statements for NYSE:XZO last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Exzeo Group (XZO) Financials

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Exzeo Group (XZO) Financials

Annual Income Statements for Exzeo Group

Quarterly Income Statements for Exzeo Group

Annual Cash Flow Statements for Exzeo Group

Quarterly Cash Flow Statements for Exzeo Group

Annual Balance Sheets for Exzeo Group

Quarterly Balance Sheets for Exzeo Group

Annual Metrics And Ratios for Exzeo Group

Quarterly Metrics And Ratios for Exzeo Group

Financials Breakdown Chart

Key Financial Trends

Exzeo Group Financials - Frequently Asked Questions

When does Exzeo Group's fiscal year end?

How has Exzeo Group's net income changed over the last 2 years?

What is Exzeo Group's operating income?

How has Exzeo Group's revenue changed over the last 2 years?

How much debt does Exzeo Group have?

How much cash does Exzeo Group have?

How has Exzeo Group's book value per share changed over the last 2 years?

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