Earnings summaries and quarterly performance for Exzeo Group.
Research analysts who have asked questions during Exzeo Group earnings calls.
Dylan Becker
William Blair
3 questions for XZO
Also covers: AIOT, AZPN, BLND +16 more
Matt Carletti
Citizens JMP
3 questions for XZO
Also covers: AHL, AMSF, BOW +8 more
TT
Terry Tillman
Truist Financial Corporation
2 questions for XZO
Also covers: QTWO, TYL, WK +1 more
TT
Terrell Tillman
Truist Securities
1 question for XZO
Also covers: , FIVN, INST +17 more
Recent press releases and 8-K filings for XZO.
Exzeo Group Reports Strong Q4 2025 Results and Raises 2026 Managed Premium Outlook
XZO
Earnings
Guidance Update
New Projects/Investments
- Exzeo Group reported strong financial performance for Q4 2025, with pre-tax income of approximately $29 million and diluted earnings per share of $0.25. For the full year 2025, revenue increased to $217 million and diluted earnings per share were $0.99.
- Key operational metrics showed significant growth, with Managed Premium reaching approximately $1.39 billion at the end of Q4 2025, a substantial increase from about $580 million last year. Annual recurring revenue (ARR) was $215 million in Q4 2025, up from $139 million in the prior year quarter.
- The company provided guidance for Q1 2026, expecting pre-tax income between $23 million and $26 million. For the full year 2026, the outlook for Managed Premium was raised to $1.55 billion.
- Exzeo expanded its client base and product offerings, booking its first non-HCI revenue during Q4 2025 and adding Tokio Marine Highland as a new client for flood insurance. Two new client startups are expected to have Managed Premium of approximately $100 million on the platform by the end of Q1 2026.
3 days ago
Exzeo Group Reports Strong Q4 2025 Results and Raises 2026 Managed Premium Outlook
XZO
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Exzeo Group reported strong Q4 2025 financial results, with pre-tax income of approximately $29 million and diluted earnings per share of $0.25, contributing to full-year pre-tax income of over $110 million and diluted earnings per share of $0.99.
- Revenue for Q4 2025 increased to $53 million, and for the full year, it reached $217 million, with adjusted EBITDA margins exceeding 54% for both periods.
- Managed Premium grew significantly to approximately $1.39 billion by the end of Q4 2025, up from $580 million last year, and the company raised its 2026 outlook for Managed Premium to $1.55 billion by year-end.
- New client additions include Tokio Marine Highland for flood insurance, and non-HCI clients are expected to contribute approximately $100 million in Managed Premium by the end of Q1 2026.
- The company ended the year with a strong balance sheet, including $305 million in cash and cash equivalents, no debt, and generated $97 million in free cash flow for 2025, representing a 117% conversion rate.
3 days ago
Exzeo Group Reports Strong Q4 and Full-Year 2025 Results, Provides 2026 Guidance, and Announces New Client
XZO
Earnings
Guidance Update
Product Launch
- Exzeo Group delivered strong financial performance in Q4 2025, with revenue increasing to $53 million and diluted earnings per share of $0.25. For the full year 2025, revenue was $217 million and diluted EPS was $0.99.
- The company achieved significant growth in key operational metrics, with Managed Premium reaching approximately $1.39 billion at the end of Q4 2025, and annual recurring revenue (ARR) at $215 million. Adjusted EBITDA margins were over 54% for both the quarter and the full year.
- Exzeo Group maintained a strong financial position, ending the year with $305 million in cash and cash equivalents and no debt. The company also generated $97 million in free cash flow for the full year 2025, representing a 117% conversion rate.
- For Q1 2026, Exzeo expects pre-tax income to be between $23 million and $26 million, and for the full year 2026, it anticipates pre-tax income to be between $115 million and $125 million. The outlook for Managed Premium in 2026 was raised to $1.55 billion by year-end.
- The company announced the addition of Tokio Marine Highland as a new client for its TMH2O flood insurance product and expects $100 million in Managed Premium from new non-HCI clients by the end of Q1 2026.
3 days ago
Exzeo Group, Inc. Announces Fourth Quarter and Full Year 2025 Financial Results
XZO
Earnings
Revenue Acceleration/Inflection
- Exzeo Group, Inc. (XZO) announced strong financial results for the full year ended December 31, 2025, with revenue increasing by 62% to $217.0 million and net income from continuing operations rising to $82.7 million, compared to $133.9 million and $26.1 million respectively in the prior year.
- For the fourth quarter of 2025, revenue grew 20% to $53.3 million, and basic and diluted earnings per share (EPS) were $0.25, up from $44.5 million and $0.15 in the same period last year.
- Managed Premium significantly increased by 139% year-over-year to $1.39 billion, reflecting continued adoption of Exzeo's Insurance-as-a-Service platform, while Annual Recurring Revenue (ARR) grew to $214.9 million as of December 31, 2025.
- The company reported a substantial increase in full-year Adjusted EBITDA to $111.5 million from $44.0 million, with Free Cash Flow also growing to $97.5 million from $45.9 million, and cash and cash equivalents reaching $305.4 million as of December 31, 2025.
3 days ago
Exzeo Group Reports Strong Q3 2025 Results and Provides Future Guidance
XZO
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Exzeo Group reported strong Q3 2025 financial results, with revenue increasing 90% year-over-year to $55 million, pretax income of $28 million, and diluted earnings per share of $0.25.
- Key performance indicators at the end of Q3 2025 included managed premium of approximately $1.2 billion and annual recurring revenue (ARR) of $192 million. The company also achieved an Adjusted EBITDA margin of 55%, up from 32% in the prior year quarter.
- The company successfully completed its IPO, generating approximately $155 million in net proceeds, and ended the quarter with a strengthened balance sheet, including $140 million in cash and no debt.
- Exzeo provided guidance, expecting managed premium to reach at least $1.32 billion by the end of 2025 and $1.5 billion by the end of 2026. Pretax income is projected to be between $22 million and $25 million for Q4 2025 and between $115 million and $125 million for the full year 2026.
- The company added one new client in Q3 2025 and another in Q4 2025, bringing the total number of carriers on its platform to six. The sales pipeline has tripled since the IPO, showing diversification in prospects.
Dec 10, 2025, 9:45 PM
Exzeo Group Reports Strong Q3 2025 Results and Provides Future Guidance
XZO
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Exzeo Group reported strong financial performance for Q3 2025, with revenue increasing 90% year-over-year to $55 million, pretax income of $28 million, and diluted earnings per share of $0.25.
- The company completed its IPO and saw significant growth in key metrics, including managed premium reaching $1.2 billion and Annual Recurring Revenue (ARR) of $192 million in Q3 2025. The Adjusted EBITDA margin expanded to 55%.
- Exzeo added two new clients (one in Q3 and one in Q4), bringing the total to six, with these new clients expected to contribute revenue starting in Q4 2025. The sales pipeline has tripled since the IPO, showing diversification in prospects.
- For guidance, Exzeo expects managed premium to be at least $1.32 billion by the end of 2025 and $1.5 billion by the end of 2026. Q4 2025 pretax income is projected between $22 million and $25 million, with full-year 2026 pretax income between $115 million and $125 million.
Dec 10, 2025, 9:45 PM
Exzeo Group Reports Strong Q3 2025 Results and Provides Q4 2025 and FY 2026 Guidance
XZO
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Exzeo Group reported Q3 2025 revenue of $55 million, a 90% year-over-year increase, with a 55% Adjusted EBITDA margin.
- The company concluded Q3 2025 with $1.2 billion in managed premium and $192 million in annual recurring revenue.
- For Q4 2025, Exzeo anticipates managed premium of at least $1.32 billion and pretax income between $22 million and $25 million.
- Looking ahead to FY 2026, the company expects managed premium to reach $1.5 billion and pretax income to be between $115 million and $125 million.
- Exzeo added two new clients in Q3 and Q4 2025, bringing the total to six carriers, and CEO Paresh Patel plans to purchase an additional $2 million in company stock in 2026.
Dec 10, 2025, 9:45 PM
Exzeo Group, Inc. Announces Third Quarter 2025 Financial Results
XZO
Earnings
Revenue Acceleration/Inflection
- Exzeo Group, Inc. reported a 90% year-over-year increase in revenue for Q3 2025, reaching $55.2 million, with net income rising to $21.2 million or $0.25 per diluted share.
- Managed Premium grew 142.1% year-over-year to $1.2 billion, and Annual Recurring Revenue (ARR) increased to $192.4 million as of September 30, 2025.
- For the nine months ended September 30, 2025, revenue increased 83% to $163.7 million, and net income from continuing operations was $60.8 million, or $0.73 per diluted share.
- The company maintained strong liquidity, reporting cash and cash equivalents of $140.9 million and working capital of $68.7 million as of September 30, 2025.
Dec 10, 2025, 9:30 PM
Quarterly earnings call transcripts for Exzeo Group.
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