XZO
Exzeo Group·NYSE
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XZO fundamentals
Exzeo Group (XZO) released its earnings on Dec 10, 2025: revenue was 55.20M (YoY +89.63%), missed estimates; EPS was 0.25 (YoY +316.67%), met estimates.
Revenue / YoY
55.20M
+89.63%
EPS / YoY
0.25
+316.67%
Report date
Dec 10, 2025
XZO Earnings Call Summary for Q3,2025
- Revenue Growth: Q3 2025 revenue up 90% YoY to $55M, driven by underwriting services. Managed premium reached $1.2B, up 140% YoY.
- Margin Expansion: EBITDA margin improved to 55% (from 32% YoY), with free cash flow margin >50%.
- Client Expansion: Added two new clients in Q3/Q4 2025, bringing total to six. Pipeline tripled post-IPO, with diversification beyond Florida.
- CEO Confidence: CEO committed $2M to buy shares, signaling long-term optimism. 2026 guidance: managed premium ≥$1.5B, pretax income $115-125M.
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Revenue
Revenue & Expenses
XZO has released its 2025 Q3 earnings report, with revenue of 55.17M, reflecting a YoY change of 89.51%, and net profit of 21.15M, showing a YoY change of 302.34%. The Sankey diagram below clearly presents XZO's revenue sources and cost distribution.
Key Indicators
Exzeo Group (XZO) key financial stats and ratios, covering profitability, financial health, and leverage.
Exzeo Group (XZO)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Exzeo Group (XZO)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Exzeo Group (XZO)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Exzeo Group (XZO) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Exzeo Group (XZO) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
Did Exzeo Group beat or miss consensus estimates last quarter?What is the revenue and EPS growth rate for Exzeo Group year over year?What guidance did Exzeo Group's management provide for the next earnings period?What is the market's earnings forecast for Exzeo Group next quarter?What factors drove the changes in Exzeo Group's revenue and profit?What were the key takeaways from Exzeo Group’s earnings call?What does Exzeo Group do and what are its main business segments?What were the key takeaways from Exzeo Group's earnings call?
