Welcome to our dedicated page for Exzeo Group SEC filings (Ticker: XZO), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Exzeo Group, Inc. (NYSE: XZO) SEC filings page provides access to the company’s official regulatory documents as filed with the U.S. Securities and Exchange Commission. Exzeo is a Florida corporation and an emerging growth company that submits registration statements, current reports, and other required filings related to its Insurance-as-a-Service business for property and casualty insurance carriers.
Through this page, users can review Forms 8-K in which Exzeo reports material events such as quarterly financial results, earnings conference calls, executive compensation decisions, and trading plans adopted under Rule 10b5-1. For example, the company has filed 8-Ks describing its third quarter financial results, the scheduling of earnings calls, cash bonuses and salary decisions for certain executives, and a 10b5-1 trading plan to acquire shares of its common stock.
Investors can also locate filings associated with Exzeo’s initial public offering, including the Form S-1 registration statement that became effective under Section 8(a) of the Securities Act of 1933. Over time, this page will surface periodic reports and additional current reports that detail Exzeo’s financial condition, use of non-GAAP measures, and other disclosures relevant to its technology platform and insurance-sector operations.
Stock Titan enhances these filings with AI-powered summaries that explain the key points of lengthy documents, helping readers understand items such as non-GAAP metrics, definitions of Managed Premium and Annual Recurring Revenue, and the significance of executive compensation or trading plan disclosures. Real-time updates from EDGAR, combined with simplified explanations, allow users to follow Exzeo’s regulatory history and corporate developments efficiently.
Exzeo Group, Inc. Chief Executive Officer Paresh Patel reported a series of open-market purchases of the company’s common stock. On March 19, 20 and 23, 2026, he bought 2,000 shares on each day, totaling 6,000 shares, at prices between $14.93 and $15.50 per share.
After these transactions, Patel directly owns 1,582,013 shares of common stock. He also holds a stock option granted on October 1, 2021 to purchase 5,000,000 shares at an exercise price of $23.00 per share, expiring on October 1, 2031, which vests over time.
Exzeo Group, Inc. director and CEO Paresh Patel bought 4,000 shares of Common Stock in open-market transactions. He purchased 2,000 shares on March 17, 2026 at $15.68 per share and another 2,000 shares on March 18, 2026 at $16.30 per share.
Following these buys, he directly owns 1,576,013 Common shares. He also holds a stock option granted on October 1, 2021 to purchase 5,000,000 Common shares at an exercise price of $23.00 per share, expiring October 1, 2031, which vests over time according to a stated schedule.
Exzeo Group, Inc. director Robert A. Lopes Jr. reported an open-market purchase of 2,500 shares of common stock at $15.35 per share on March 9, 2026. Following this trade, he directly holds 127,335 common shares.
Exzeo Group, Inc. files its annual report describing a turnkey insurance technology and operations business built around its proprietary Exzeo Platform for P&C carriers. The platform supports quoting, underwriting, policy administration, claims management, analytics and financial reporting, typically billed as a variable fee based on premium volume.
Exzeo now focuses on technology and services after selling its TTIC insurance carrier subsidiary to HCI on July 1, 2024, with TTIC reported as discontinued operations. As of February 20, 2026, the company had 90,913,540 common shares outstanding and employed about 354 full-time staff, mainly in the U.S. with development in India.
The report highlights dependence on a small number of customers largely affiliated with majority owner HCI, geographic exposure to Florida and other coastal states, intense InsurTech competition, extensive regulation, cybersecurity and data-privacy obligations, and risks from natural catastrophes and climate-related events that can affect customers’ P&C businesses and demand for Exzeo’s services.
Exzeo Group, Inc. reported strong growth for the year ended December 31, 2025. Full-year revenue rose 62% to $216.98 million, while net income from continuing operations climbed to $82.75 million, up from $26.07 million. Basic and diluted earnings per share from continuing operations increased to $0.99 from $0.20.
Profitability improved sharply, with Adjusted EBITDA rising to $111.52 million and Adjusted EBITDA Margin expanding to 54.2% from 36.6%. Cash and cash equivalents grew to $305.37 million as of year-end 2025, supported by $100.30 million of cash from operating activities and Free Cash Flow of $97.45 million.
Exzeo Group, Inc. reported strong growth for the year ended December 31, 2025. Full-year revenue rose 62% to $216.98 million, while net income from continuing operations climbed to $82.75 million, up from $26.07 million. Basic and diluted earnings per share from continuing operations increased to $0.99 from $0.20.
Profitability improved sharply, with Adjusted EBITDA rising to $111.52 million and Adjusted EBITDA Margin expanding to 54.2% from 36.6%. Cash and cash equivalents grew to $305.37 million as of year-end 2025, supported by $100.30 million of cash from operating activities and Free Cash Flow of $97.45 million.
Paresh Patel reports beneficial ownership of 6,572,013 shares of Exzeo Group, Inc. common stock, representing 6.86% of the class. This includes 1,572,013 shares of common stock and 5,000,000 shares underlying options that are currently exercisable.
The ownership percentage is calculated using 90,771,289 shares outstanding, as disclosed by Exzeo Group, Inc., increased by Patel’s 5,000,000 exercisable option shares. Patel has sole voting and dispositive power over all 6,572,013 shares and no shared voting or dispositive power.
Patel has agreed with HCI Group, Inc. not to exercise these options if doing so would cause HCI Group, Inc. to own less than 80.1% of Exzeo’s outstanding common stock. He also certifies the holdings are not for the purpose of changing or influencing control of the company.
HCI Group, Inc. has filed a Schedule 13G reporting a large ownership position in Exzeo Group, Inc. common stock. HCI reports beneficial ownership of 75,000,000 shares, representing 82.6% of Exzeo’s common stock, based on 90,771,289 shares outstanding as of December 5, 2026 as cited from Exzeo’s Form 10-Q.
HCI states it has sole voting and sole dispositive power over all 75,000,000 shares and no shared voting or dispositive power. The filing is made on a passive Schedule 13G basis, with HCI certifying that the securities were not acquired and are not held for the purpose of changing or influencing control of Exzeo.
Exzeo Group, Inc. reported an insider share purchase by its president and director, Kevin Andrew Mitchell. On 12/18/2025, he acquired 12,510 shares of Exzeo Group common stock in a transaction coded "P" at a price of $19.58 per share.
Following this transaction, Mitchell beneficially owns 715,135 common shares directly. He also holds a stock option with an exercise price of $23 per share, covering 1,000,000 shares of common stock and expiring on 10/01/2031. The option was originally granted on October 1, 2021 and vests over time, with one quarter vesting on October 1, 2022 and additional portions vesting on specified quarterly dates thereafter.
Exzeo Group, Inc. disclosed new cash bonuses and 2026 base salaries for senior executives. The compensation committee approved a $3,750,000 cash bonus and $950,000 annual salary for Chief Executive Officer Paresh Patel, a $450,000 bonus and $425,000 salary for Chief Financial Officer Suela Bulku, and a $500,000 bonus and $550,000 salary for President Kevin Mitchell.
The bonuses will be paid before December 31, 2025 and reflect the committee’s assessment of strategic progress, including completion of the company’s initial public offering. Kevin Mitchell was granted 12,510 shares of common stock and Suela Bulku 10,020 shares, with each grant vesting in equal installments over three years beginning December 18, 2026.
Exzeo Group, Inc. disclosed that Chief Executive Officer Paresh Patel has adopted a pre-arranged Rule 10b5-1 trading plan to purchase the company’s common stock. The plan allows him to acquire up to 100,000 shares or a total of $2 million of stock, whichever limit is reached first, through a series of transactions.
Purchases under the plan will occur only if Exzeo’s share price is below specific maximum price thresholds set in the plan. The 10b5-1 plan runs until December 18, 2026, unless it ends earlier because the full share or dollar limit is reached or certain other conditions occur. Any transactions made under this plan will be reported on Form 4 insider trading reports filed with the SEC.