NYSE · Financial Statements

Exzeo Group, Inc. (XZO) Financial Statements

$16.92 NYSE: XZO Market Cap $1.52B

Exzeo Group, Inc. most recently reported annual revenue of $217.0M, net profit of $83.0M. Revenue grew at an average annual rate of 59.5% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Exzeo Group, Inc.: Revenue rose from $21.0M in 2019 to $217.0M in 2025, a change of +933.3% over 5 years; net profit was positive in 3 of 6 reported years; operating margin moved from -8.1% to 48.9%, a shift of +57.0 percentage points; the most recent year shows net profit of $83.0M.

Income Statement — 6 Years (USD millions)

Metric201920202022202320242025
Revenue$21.0M$52.0M$46.0M$88.0M$134.0M$217.0M
Operating Expenses$23.0M$60.0M$83.0M$86.0M$96.0M$111.0M
Operating Profit$-2.0M$-9.0M$-38.0M$3.0M$38.0M$106.0M
Operating Margin-8.1%-16.8%-82.7%2.9%28.4%48.9%
Other Income$-7.0M$-8.0M$-1.0M$-2.0M$-3.0M$4.0M
Interest$0$0$0$0$0$0
Depreciation$1.0M$1.0M$2.0M$2.0M$2.0M$3.0M
Profit Before Tax$-8.0M$-16.0M$-39.0M$1.0M$35.0M$110.0M
Tax$18.6M$24.5M$-8.8M$-1.4B$26.0M$25.0M
Net Profit$-7.0M$-12.0M$-55.0M$21.0M$44.0M$83.0M
EPS$-0.08$-0.14$-0.70$0.13$0.37$0.87
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

1 duplicate period label in the source data were collapsed.

MetricJun '20Sep '20Dec '20Mar '21Jun '21Sep '21Dec '24Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$14.0M$10.0M$15.0M$20.0M$28.0M$32.0M$45.0M$56.0M$55.0M$53.0M$56.0M$58.0M
Operating Expenses$14.0M$14.0M$20.0M$21.0M$28.0M$39.0M$29.0M$28.0M$28.0M$27.0M$30.0M$29.0M
Operating Profit$0$-4.0M$-5.0M$-1.0M$-1.0M$-7.0M$16.0M$28.0M$27.0M$27.0M$25.0M$28.0M
Operating Margin-1.1%-36.9%-33.2%-2.7%-3.0%-20.2%35.0%50.1%49.4%50.3%45.1%49.3%
Interest$0$0$0$0$0$0$0$0$0$0$0$0
Profit Before Tax$-2.0M$-6.0M$-7.0M$-4.0M$-4.0M$-10.0M$16.0M$29.0M$28.0M$29.0M$28.0M$31.0M
Tax$24.4M$24.9M$24.7M$16.8M$18.7M$23.6M$25.9M$25.0M$25.4M$23.8M$26.0M$26.0M
Net Profit$-2.0M$-5.0M$-5.0M$-3.0M$-3.0M$-7.0M$12.0M$22.0M$21.0M$22.0M$20.0M$23.0M
EPS$-0.02$-0.05$-0.05$-0.04$-0.06$-0.10$0.13$0.24$0.22$0.23$0.22$0.26

Over the 6 years reported for Exzeo Group, Inc., borrowings increased from $1.0M in 2019 to $7.0M in 2025, cash stood at $305.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 3.88 times.

Balance Sheet — 6 Years (USD millions)

Metric201920202022202320242025
Total Assets$96.0M$161.0M—$626.0M$90.0M$348.0M
Current Assets$0$0—$0$0$326.0M
Cash$52.0M$102.0M—$15.0M$55.0M$305.0M
Inventory$0$0—$0$0$0
Receivables$6.0M$8.0M—$9.0M$6.0M$19.0M
Fixed Assets$6.0M$6.0M—$17.0M$19.0M$18.0M
Capital Work in Progress$0$0$0$0$0$0
Investments$0$2.0M$0$0$0$0
Other Assets$0$0—$0$0$0
Total Liabilities$79.0M$154.0M—$555.0M$74.0M$94.0M
Current Liabilities$0$0—$0$0$84.0M
Borrowings$1.0M$22.0M$0$66.0M$8.0M$7.0M
Other Liabilities$79.0M$132.0M—$489.0M$66.0M$86.0M
Equity$0$0—$0$0$0
Reserves$17.0M$7.0M—$71.0M$16.0M$254.0M

For Exzeo Group, Inc., operating cash flow was positive in 5 of 6 reported years; free cash flow in the latest year was $97.0M; free cash flow was positive in 5 of 6 years; financing activities used $3.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 6 Years (USD millions)

Metric201920202022202320242025
Operating Cash Flow$33.0M$30.0M$-17.0M$59.0M$192.0M$100.0M
Investing Cash Flow$-3.0M$-4.0M$-245.0M$-20.0M$-196.0M$-6.0M
Financing Cash Flow$0$0$18.0M$0$-100.0M$-3.0M
Net Cash Flow$52.0M$50.0M$-102.0M$15.0M$39.0M$251.0M
Free Cash Flow$31.0M$29.0M$-20.0M$56.0M$189.0M$97.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.11
EV / EBITDA10.36
FCF Yield5.97%
Quick Ratio1.85
Interest Coverage—
Return 1Y—
Return 3Y—
Return 5Y—

Exzeo Group, Inc. (XZO) financials — frequently asked questions

What is Exzeo Group, Inc.'s annual revenue?

Exzeo Group, Inc. (XZO) reported annual revenue of $217.0M in its most recent fiscal year.

What is Exzeo Group, Inc.'s net profit?

Exzeo Group, Inc. (XZO) reported net profit of $83.0M in its most recent fiscal year.

What is XZO EV/EBITDA?

Exzeo Group, Inc.'s enterprise value to EBITDA (EV/EBITDA) ratio is 10.36.

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