---
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"
generated_at: "2026-05-16T00:28:16.261484+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Exzeo FY2025 revenue up 62% to $217M, net income $82.7M; Managed Premium $1.39B (+139%)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-072006
- JSON: https://secwatch.observer/filing/0001193125-26-072006.json
- Plain text: https://secwatch.observer/filing/0001193125-26-072006.txt

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