Exzeo Group, Inc.

Listed Company

XZOCIK 0001873951NYSEEmerging GrowthServices-Prepackaged SoftwareFloridaFY ends Dec 31

Period

FY 2025

Revenue

$216.98M

Net Income

$82.75M

Total Assets

$347.73M

Equity

$254.16M

Shares Out

90.91M

Op. Cash Flow

$100.30M

Business

Exzeo Group, Inc. is a publicly listed company in Prepackaged Software, incorporated in Florida. Common stock trades on NYSE under the ticker XZO.

Auto-generated from company profile

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Revenue	217	134	88
Cost of Revenue	86	81	71
Gross profit	131	53	17
Selling, general and administrative	16	8	8
Research and development	9	7	7
Depreciation and amortization	479,000	335,000	292,000
Total operating expenses	25	15	15
Operating income	106	38	3
Investment income	4	548,000	52,000
Interest expense	0	−3	−2
Income from continuing operations, before taxes	110	35	883,000
Income tax expense (benefit) from continuing operations	28	9	−12
Net income	83	26	13
Income from discontinued operations, before taxes	0	26	12
Income tax expense from discontinued operations	0	7	3
Income from discontinued operations, after tax	0	19	9
Net income	83	45	21
Less: Dividends on preferred stock	0	−10	−9
Income attributable to common stockholders	83	35	12
Basic earnings per share from continuing operations	0.99	0.2	0.04
Diluted earnings per share from continuing operations	0.99	0.2	0.04
Basic earnings per share from discontinued operations	0	0.24	0.11
Diluted earnings per share from discontinued operations	0	0.24	0.11
Basic earnings per share	0.99	0.44	0.15
Diluted earnings per share	0.99	0.44	0.15

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31
Cash and cash equivalents	305	55
Accounts receivable	3	0
Prepaid expense	1	609,000
Current contract cost assets	5	6
Income taxes receivable	0	3
Other current assets	43,000	42,000
Total current assets	326	67
Property and equipment, net	11	11
Operating lease right-of-use assets	7	8
Non-current contract cost assets	1	3
Deferred income taxes, net	3	0
Other assets	274,000	275,000
Total non-current assets	22	22
Total assets	348	89
Current contract liabilities	71	47
Commissions payable	5	4
Accounts payable and accrued liabilities	3	2
Operating lease liabilities	2	2
Income taxes payable	2	0
Total current liabilities	84	56
Non-current contract liabilities	4	8
Operating lease liabilities	5	6
Deferred income taxes, net	0	2
Other liabilities	790,000	852,000
Total non-current liabilities	9	18
Total liabilities	94	74
Commitments and contingencies (Note 15)	—	—
Common stock ($0.001 par value, 184,000,000 shares authorized, 90,926,720 and 82,810,089 shares issued and outstanding as of December 31, 2025 and 2024, respectively)	91,000	83,000
Additional paid-in capital	229	73
Retained earnings (accumulated deficit)	25	−57
Total stockholders equity	254	16
Total liabilities and stockholders' equity	348	89

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31
Stock-based compensation	3	3	3
Depreciation and amortization	3	2	2
Deferred income taxes	−5	2	−6
Foreign currency remeasurement losses	173,000	132,000	50,000
Accounts receivable	−3	0	0
Receivable from related parties	−8	−2	−3
Prepaid expenses	−874,000	−157,000	68,000
Contract cost assets	4	−3	−2
Income taxes payable (receivable)	6	4	−2
Contract liabilities	19	15	5
Commissions payable	285,000	407,000	−807,000
Accounts payable and accrued liabilities	434,000	442,000	607,000
Other liabilities	−33,000	339,000	157,000
Other assets	−1,000	−125,000	7,000
Operating lease	91,000	94,000	297,000
Cash provided by operating activities	100	49	10
Capital expenditures	−3	−3	−3
Cash used in investing activities	−3	−3	−3
Redemption of redeemable preferred stock	0	−100	0
Proceeds from issuance of notes payable, related party	0	100	0
Proceeds from initial public offering	156	0	0
Payments of issuance costs	−1	0	0
Repurchase of common stock	−1	−481,000	−352,000
Repayment of long-term debt	0	−3	−9,000
Dividends paid on redeemable preferred stock	0	−3	−7
Cash provided by (used in) financing activities	154	−6	−7
Effect of exchange rate changes on cash	−230,000	−87,000	−42,000
Cash provided by (used in) continuing operations	251	39	−260,000
Cash provided by operating activities from discontinued operations	0	143	49
Cash used in investing activities from discontinued operations	0	−189	−13
Cash (used in) provided by discontinued operations	0	−47	36
Increase (decrease) in cash, cash equivalents, and restricted cash	251	−7	36
Extinguishment of notes payable	0	155	0
Capital contribution from parent	34,000	3	0
Receivable from maturities of fixed-maturity securities	0	0	50
Unrealized gain on investment in available-for-sale securities, net of tax	0	0	3
Cash paid for income taxes	34	14	866,000
Cash paid for interest	0	3	2

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