---
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"
generated_at: "2026-05-16T13:40:30.353419+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Exzeo Q3 revenue up 90% to $55.2M; Managed Premium surges 142% to $1.2B

## Summary
- 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.

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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-314300
- JSON: https://secwatch.observer/filing/0001193125-25-314300.json
- Plain text: https://secwatch.observer/filing/0001193125-25-314300.txt

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