secwatch.observer — SEC 8-K summary
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Issuer:     Exzeo Group, Inc. (XZO)
CIK:        0001873951
Form:       8-K
Filed at:   2025-12-10T23:59:59+00:00
Accession:  0001193125-25-314300
Event type: earnings
Sentiment:  positive
Materiality: 0.75
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1873951/000119312525314300/0001193125-25-314300-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1873951/000119312525314300/xzo-20251210.htm
  HTML page:      https://secwatch.observer/filing/0001193125-25-314300

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer