Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
18.23
+0.52 (2.94%)
Dec 5, 2025, 4:00 PM EST - 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 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 | Dec '19 Dec 31, 2019 |
| Premiums & Annuity Revenue | 48.19 | - | - | - | 50.83 | 20.25 |
| Total Interest & Dividend Income | 1.57 | 0.55 | 0.05 | 0.03 | 0.81 | 1.06 |
| Gain (Loss) on Sale of Investments | - | - | - | - | -0.02 | 0.48 |
| Other Revenue | 133.95 | 133.95 | 88.33 | 45.63 | 0.1 | 0.04 |
| Total Revenue | 183.71 | 134.5 | 88.39 | 45.66 | 51.73 | 21.83 |
| Revenue Growth (YoY) | 302.33% | 52.17% | 93.57% | -11.73% | 136.97% | - |
| Policy Benefits | - | - | - | - | 34.06 | 8.51 |
| Policy Acquisition & Underwriting Costs | - | - | - | - | 15.58 | 6.9 |
| Depreciation & Amortization | 0.39 | 0.34 | 0.29 | 0.18 | - | - |
| Selling, General & Administrative | 107.52 | 95.6 | 85.49 | 83.21 | 0.54 | 0.56 |
| Other Operating Expenses | - | - | - | - | 7.23 | 6.2 |
| Total Operating Expenses | 107.91 | 95.93 | 85.78 | 83.38 | 68.19 | 30.32 |
| Operating Income | 75.8 | 38.57 | 2.61 | -37.72 | -16.46 | -8.49 |
| Interest Expense | -0.02 | -3.33 | -1.72 | -0.88 | -0 | -0 |
| Pretax Income | 75.78 | 35.24 | 0.88 | -38.61 | -16.46 | -8.49 |
| Income Tax Expense | 19.21 | 9.17 | -12.02 | 3.41 | -4.04 | -1.58 |
| Earnings From Continuing Ops. | 56.57 | 26.07 | 12.9 | -42.01 | -12.42 | -6.91 |
| Earnings From Discontinued Ops. | - | 19.25 | 8.56 | -17.3 | - | - |
| Net Income | 56.57 | 45.32 | 21.46 | -59.32 | -12.42 | -6.91 |
| Preferred Dividends & Other Adjustments | 2.21 | 11.37 | 10.06 | 4.48 | - | - |
| Net Income to Common | 54.36 | 33.96 | 11.41 | -63.8 | -12.42 | -6.91 |
| Net Income Growth | - | 111.17% | - | - | - | - |
| Shares Outstanding (Basic) | 79 | 77 | 76 | 76 | 75 | 75 |
| Shares Outstanding (Diluted) | 79 | 77 | 76 | 76 | 75 | 75 |
| Shares Change (YoY) | 4.01% | 1.83% | 0.56% | 0.91% | - | - |
| EPS (Basic) | 0.69 | 0.44 | 0.15 | -0.84 | -0.17 | -0.09 |
| EPS (Diluted) | 0.45 | 0.44 | 0.15 | -0.84 | -0.17 | -0.09 |
| EPS Growth | - | 192.37% | - | - | - | - |
| Free Cash Flow | 213.89 | 188.58 | 56.12 | -20.22 | 28.9 | 30.64 |
| Free Cash Flow Per Share | 2.72 | 2.43 | 0.74 | -0.27 | 0.39 | 0.41 |
| Operating Margin | 41.26% | 28.67% | 2.95% | -82.62% | -31.82% | -38.89% |
| Profit Margin | 29.59% | 25.25% | 12.90% | -139.72% | -24.02% | -31.66% |
| Free Cash Flow Margin | 116.43% | 140.21% | 63.50% | -44.28% | 55.86% | 140.36% |
| EBITDA | 78.33 | 40.93 | 4.81 | -36.04 | -15.36 | -7.81 |
| EBITDA Margin | 42.64% | 30.43% | 5.44% | -78.92% | -29.69% | -35.79% |
| D&A For EBITDA | 2.53 | 2.36 | 2.2 | 1.69 | 1.1 | 0.68 |
| EBIT | 75.8 | 38.57 | 2.61 | -37.72 | -16.46 | -8.49 |
| EBIT Margin | 41.26% | 28.67% | 2.95% | -82.62% | -31.82% | -38.89% |
| Effective Tax Rate | 25.35% | 26.02% | - | - | - | - |
| Revenue as Reported | - | - | - | - | 51.73 | 21.83 |
Source: S&P Capital IQ. Insurance template. Financial Sources.