Exzeo Group Financials

Exzeo Group (XZO) reported $217.0M in total revenue for fiscal year 2025. This represents a 62.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

Exzeo Group (XZO) revenue grew by 62% year-over-year, from $133.9M to $217.0M in fiscal year 2025.

Yes, Exzeo Group (XZO) reported a net income of $82.7M in fiscal year 2025, with a net profit margin of 38.1%.

Exzeo Group (XZO) reported diluted earnings per share of $0.99 for fiscal year 2025. This represents a 125.0% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Exzeo Group (XZO) had EBITDA of $108.4M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

Exzeo Group (XZO) had a gross margin of 60.4% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

Exzeo Group (XZO) had an operating margin of 48.9% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

Exzeo Group (XZO) had a net profit margin of 38.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Exzeo Group (XZO) has a return on equity of 32.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Exzeo Group (XZO) generated $97.5M in free cash flow during fiscal year 2025. This represents a 112.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

Exzeo Group (XZO) generated $100.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Exzeo Group (XZO) had $347.7M in total assets as of fiscal year 2025, including both current and long-term assets.

Exzeo Group (XZO) invested $2.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Exzeo Group (XZO) invested $8.8M in research and development during fiscal year 2025.

Yes, Exzeo Group (XZO) spent $1.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Exzeo Group (XZO) had 91M shares outstanding as of fiscal year 2025.

Exzeo Group (XZO) had a current ratio of 3.86 as of fiscal year 2025, which is generally considered healthy.

Exzeo Group (XZO) had a debt-to-equity ratio of 0.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Exzeo Group (XZO) had a return on assets of 23.8% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Exzeo Group (XZO) has a Piotroski F-Score of 5 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Exzeo Group (XZO) has an earnings quality ratio of 1.21x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.