Every 10-Q that Exzeo Group, Inc. (XZO) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow XZO and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full XZO filings page.
Exzeo Group reported continued profitability for the quarter ended June 30, 2026. Revenue was $57,787 thousand, slightly higher than a year earlier, while net income rose to $23,269 thousand and basic and diluted EPS were $0.26. For the first six months, revenue reached $113,321 thousand and net income $43,675 thousand, with EPS of $0.48. Gross profit increased as cost of revenue declined, though selling, general and administrative expenses grew.
Cash and cash equivalents were $136,731 thousand at June 30, 2026, as Exzeo invested in $197,072 thousand of U.S. Treasury securities classified as available-for-sale, boosting investment income and creating modest unrealized losses in other comprehensive income. Shareholders’ equity was $288,171 thousand. Affiliates of controlling shareholder HCI collectively accounted for 85.6% of second-quarter revenue, indicating significant related-party concentration. The company repurchased 834,250 shares for approximately $12,000 thousand under a completed share repurchase program and subsequently created Exzeo Ventures to develop AI-native products focused on insurance applications.
Exzeo Group, Inc. filed Amendment No. 1 to its Form 10‑Q for the quarter ended March 31, 2026 to correct certain MD&A tables for cost, operating expense and non‑GAAP metrics that were populated incorrectly due to a technical issue. The underlying financial statements and notes remain unchanged.
For the quarter, Exzeo generated revenue of $55,534 thousand, up 6.0% from $52,407 thousand, with gross profit rising to $32,743 thousand and gross margin improving to 59.0%. Net income increased to $20,406 thousand, a 13.7% year‑over‑year increase, while operating income was $25,075 thousand.
Key operating metrics also expanded: managed premium reached $1,429,141 thousand and annual recurring revenue was $216,181 thousand. Adjusted EBITDA was $26,531 thousand with a 49.1% Adjusted EBITDA Margin. Free cash flow totaled $25,145 thousand, and cash and cash equivalents were $231,381 thousand as of March 31, 2026, reflecting deployment into available‑for‑sale investments.
Exzeo Group, Inc. reports solid Q1 2026 results, with revenue of $55,534 and net income of $20,406, up from $52,407 and $17,951 a year earlier. Gross profit rose to $32,743, lifting margin to 59.0% as cost of revenue fell to 41.0% of sales.
Operating expenses increased to $7,668, mainly from higher selling, general and administrative costs tied to public company operations and added headcount, while research and development stayed stable. Investment income jumped to $2,512 from $398, driven by larger post‑IPO cash balances invested in money market funds and U.S. Treasury securities.
Cash and cash equivalents were $231,381 at March 31, 2026, down from $305,372 after deploying $98,994 into available‑for‑sale Treasuries with a fair value of $98,516. The company ended the quarter with total assets of $379,768, shareholders’ equity of $274,941, and basic and diluted EPS steady at $0.22 per share.
Exzeo Group, Inc. reported sharply stronger results for the quarter ended September 30, 2025 as it pivots fully to technology and services after selling its insurance carrier TTIC in 2024. Quarterly revenue rose to $55.2 million from $29.1 million a year earlier, driven by underwriting and management services plus growing claim and technology fees for related-party insurers. Net income for the quarter increased to $21.2 million from $5.3 million, with operating income expanding on higher gross margins and disciplined operating expenses. For the first nine months of 2025, revenue reached $163.7 million and net income totaled $60.8 million, compared with $89.4 million and $14.4 million, respectively, in the prior‑year period from continuing operations. Strong cash generation lifted cash and cash equivalents to $140.9 million and stockholders’ equity to $78.4 million, reflecting the move to an asset-light Insurance‑as‑a‑Service model and reduced debt following the TTIC divestiture and note repayments.