{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-25-314300","form_type":"8-K","ticker":"XZO","cik":"0001873951","company_name":"Exzeo Group, Inc.","filed_at":"2025-12-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:40.939621+00:00","generated_at":"2026-05-16T13:40:30.353419+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Exzeo Q3 revenue up 90% to $55.2M; Managed Premium surges 142% to $1.2B","bullets":["Revenue $55.2M (up 90% YoY); net income $21.2M ($0.25 diluted EPS) vs $5.3M prior year.","Adjusted EBITDA $28.7M (margin 54.9%) vs $8.8M (32.1%) in Q3 2024.","Managed Premium $1.2B, up 142% YoY; ARR $192.4M, up from $117.6M.","Fifth insurance company joined platform in Q3; sixth joined in Q4 2025.","Cash and equivalents $140.9M, working capital $68.7M; strong operating cash flow $89.0M YTD."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-25-314300","json":"https://secwatch.observer/filing/0001193125-25-314300.json","markdown":"https://secwatch.observer/filing/0001193125-25-314300.md","text":"https://secwatch.observer/filing/0001193125-25-314300.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1873951/000119312525314300/0001193125-25-314300-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1873951/000119312525314300/xzo-20251210.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T13:40:30.353419+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"}