{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-272389","form_type":"8-K","ticker":"XZO","cik":"0001873951","company_name":"Exzeo Group, Inc.","filed_at":"2025-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.939396+00:00","generated_at":"2026-05-16T23:08:59.343916+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Exzeo Q3 revenue doubles to $56.3M; pre-tax income jumps to $28.4M vs $5.8M YoY","bullets":["Total revenue $56.3M for Q3 2025 vs $28.8M in Q3 2024, driven mainly by other revenue ($55.2M).","Income before income taxes $28.4M vs $5.8M YoY; total expenses rose to $27.9M from $23.0M.","Nine-month revenue $165.9M (up from $89.8M); pre-tax income $81.4M vs $19.5M YoY.","Data sourced from HCI's 10-Q segment reporting; Exzeo will file its own 10-Q within 45 days of S-1 effectiveness.","Stock-based compensation fell to $0.7M in Q3 from $1.5M; interest expense dropped to nil."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-272389","json":"https://secwatch.observer/filing/0001193125-25-272389.json","markdown":"https://secwatch.observer/filing/0001193125-25-272389.md","text":"https://secwatch.observer/filing/0001193125-25-272389.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1873951/000119312525272389/0001193125-25-272389-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1873951/000119312525272389/d63298d8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:08:59.343916+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}