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Exzeo Group, Inc.

XZO Clue Score91
United States Fiscal year ends December CIK 0001873951
$16.03 +0.31% Close, 12 Oct 2026
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Price $16.03 −23.70% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 5 Nov 2025. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2023Revenue88.3Operating income2.6Net income21.5EPS, diluted0.15Fiscal year 2024Revenue133.9 +51.6%Operating income38.0Net income45.3 +111.2%EPS, diluted0.44 +193.3%Fiscal year 2025Revenue217.0 +62.0%Operating income106.0Net income82.7 +82.6%EPS, diluted0.99 +125.0%
FY2023FY2024FY2025
Revenue 88.3 133.9 217.0
Growth +51.6% +62.0%
Operating income 2.6 38.0 106.0
Net income 21.5 45.3 82.7
Growth +111.2% +82.6%
EPS, diluted 0.15 0.44 0.99
Growth +193.3% +125.0%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2023Gross margin19.6%Operating margin2.9%Net margin24.3%Free cash flow margin7.8%Fiscal year 2024Gross margin39.7%Operating margin28.4%Net margin33.8%Free cash flow margin34.3%Fiscal year 2025Gross margin60.4%Operating margin48.8%Net margin38.1%Free cash flow margin44.9%
FY2023FY2024FY2025
Gross margin 19.6% 39.7% 60.4%
Operating margin 2.9% 28.4% 48.8%
Net margin 24.3% 33.8% 38.1%
Free cash flow margin 7.8% 34.3% 44.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2023Operating cash flow10.2Capital expenditure−3.2Free cash flow6.9Buybacks−0.4Fiscal year 2024Operating cash flow49.3Capital expenditure−3.3Free cash flow45.9 +565.1%Buybacks−0.5Fiscal year 2025Operating cash flow100.3Capital expenditure−2.8Free cash flow97.5 +112.2%Buybacks−1.5
FY2023FY2024FY2025
Operating cash flow 10.2 49.3 100.3
Capital expenditure −3.2 −3.3 −2.8
Free cash flow 6.9 45.9 97.5
Growth +565.1% +112.2%
Buybacks −0.4 −0.5 −1.5

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2023Cash15.1Shareholders’ equity−25.3Fiscal year 2024Cash54.5Shareholders’ equity15.5Fiscal year 2025Cash305.4Shareholders’ equity254.2
FY2023FY2024FY2025
Cash 15.1 54.5 305.4
Shareholders’ equity −25.3 15.5 254.2

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
10.2 49.3 100.3
Growth +385.2% +103.6%
1.9 2.2 2.4
Investment
−3.2 −3.3 −2.8
calc 6.9 45.9 97.5
Growth +565.1% +112.2%
calc 0.09 0.59 1.22
Financing
−7.1 −6.4 153.6
−0.4 −0.5 −1.5

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.