{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-072006","form_type":"8-K","ticker":"XZO","cik":"0001873951","company_name":"Exzeo Group, Inc.","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:36.639590+00:00","generated_at":"2026-05-16T00:28:16.261484+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Exzeo FY2025 revenue up 62% to $217M, net income $82.7M; Managed Premium $1.39B (+139%)","bullets":["Q4 revenue $53.3M (+20% YoY); EPS $0.25 vs $0.15; Adjusted EBITDA margin 55% vs 46%.","FY2025 revenue $217.0M (+62%); net income $82.7M ($0.99 EPS) vs $26.1M ($0.20 EPS).","Managed Premium $1.39B as of Dec 31, 2025, up 139% YoY; Annual Recurring Revenue $214.9M (+55%).","Cash & equivalents $305.4M, working capital $241.4M; Free cash flow $97.5M vs $45.9M.","A sixth insurance carrier joined platform in Q4 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-072006","json":"https://secwatch.observer/filing/0001193125-26-072006.json","markdown":"https://secwatch.observer/filing/0001193125-26-072006.md","text":"https://secwatch.observer/filing/0001193125-26-072006.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1873951/000119312526072006/0001193125-26-072006-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1873951/000119312526072006/xzo-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:28:16.261484+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"}