Symbols

XZO

Exzeo Group·NYSE

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XZO fundamentals

XZO Q4 2025 Earnings

Exzeo Group (XZO) released its earnings on Feb 25, 2026: revenue was 51.04M (YoY --), beat estimates; EPS was 0.25 (YoY --), beat estimates.

Revenue / YoY

51.04M

EPS / YoY

0.25

Report date

Feb 25, 2026

XZO Earnings Call Summary for Q4,2025

Revenue Growth: FY25 revenue $217M, Managed Premium $1.39B (140% YoY). 2026 guidance: Pre-tax $115-125M, Managed Premium $1.55B.
AI-Driven Expansion: New flood insurance client (Tokio Marine) to expand into 42 states, with first policy in Q4. Platform reduces underwriting time from 14-18 months to 12 months.
Financial Strength: Free cash flow $97M (117% conversion), no debt, $305M cash. 2026 free cash flow >100% expected.
Execution Focus: Pipeline tripled post-IPO, 3 new clients onboarded in 4 months. Rule 10b5-1 stock purchase plan announced.

Earnings

EPS

Revenue

Revenue & Expenses

XZO has released its 2025 Q4 earnings report, with revenue of 53.32M, reflecting a YoY change of 19.72%, and net profit of 21.98M, showing a YoY change of 87.90%. 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.

Income Statement

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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Balance Sheet

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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Breakdown

Cash Flow

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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