secwatch.observer — SEC 8-K summary
======================================

Issuer:     Exzeo Group, Inc. (XZO)
CIK:        0001873951
Form:       8-K
Filed at:   2026-02-25T23:59:59+00:00
Accession:  0001193125-26-072006
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1873951/000119312526072006/0001193125-26-072006-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1873951/000119312526072006/xzo-20260225.htm
  HTML page:      https://secwatch.observer/filing/0001193125-26-072006

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