---
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"
generated_at: "2026-05-16T23:08:59.343916+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Exzeo Q3 revenue doubles to $56.3M; pre-tax income jumps to $28.4M vs $5.8M YoY

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-272389
- JSON: https://secwatch.observer/filing/0001193125-25-272389.json
- Plain text: https://secwatch.observer/filing/0001193125-25-272389.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.