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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

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TTENK/calls
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TTENK/calls
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Home›XZO›Financials
Annual statements · SEC XBRL · FY2023 – FY2025

Exzeo Group, Inc. (XZO) financials

Income statement

Exzeo Group, Inc. (XZO) income statement, annual, from SEC filings
Fiscal yearFY2023FY2024FY2025
Revenue$88.3M$134M$217M
Revenue growth—51.6%62.0%
Gross profit$17.3M$53.2M$131M
Gross margin19.6%39.7%60.4%
Operating income$2.55M$38.0M$106M
Operating margin2.9%28.4%48.8%
Net income$21.5M$45.3M$82.7M
Net margin24.3%33.8%38.1%
EPS (diluted)$0.15$0.44$0.99

Cash flow

Exzeo Group, Inc. (XZO) cash flow, annual, from SEC filings
Fiscal yearFY2023FY2024FY2025
Operating cash flow$10.2M$49.3M$100M
Capital expenditures$3.25M$3.33M$2.84M
Free cash flow$6.91M$45.9M$97.5M
Share buybacks$352K$481K$1.49M

Balance sheet

Exzeo Group, Inc. (XZO) balance sheet, annual, from SEC filings
Fiscal yearFY2023FY2024FY2025
Cash & equivalents$15.1M$54.5M$305M
Total assets—$89.4M$348M
Total liabilities—$73.9M$93.6M
Shareholders' equity-$25.3M$15.5M$254M
Retained earnings—-$57.3M$25.4M
Shares (wtd avg diluted)76.1M77.5M80.2M

Every figure is extracted from Exzeo Group, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.

Common questions

What is Exzeo Group, Inc.'s annual revenue?
Exzeo Group, Inc. (XZO) reported $217M of revenue for fiscal year 2025 — up 62.0% from $134M in FY2024, per its annual report filed with the SEC.
Is Exzeo Group, Inc. profitable?
Yes — XZO earned $82.7M of net income in FY2025, a 38.1% net margin, per SEC filings.
What is Exzeo Group, Inc.'s free cash flow?
$97.5M in FY2025 (operating cash flow $100M minus $2.84M of capital expenditures), from the SEC cash-flow statement.
Does XZO pay a dividend?
Exzeo Group, Inc. reported no cash dividends paid in FY2025, per its SEC cash-flow statement.
Full XZO analysis — verdict, score & filings →Is XZO a buy? →

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.