{ "ok": true, "cik": "1873951", "ticker": "XZO", "name": "Exzeo Group, Inc.", "filings": [ { "form": "8-K", "filed": "2026-08-14", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526352384/0001193125-26-352384-index.htm" }, { "form": "10-Q", "filed": "2026-08-07", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526340267/0001193125-26-340267-index.htm" }, { "form": "8-K", "filed": "2026-08-06", "items": [ "2.02 Results of Operations and Financial Condition", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526338098/0001193125-26-338098-index.htm" }, { "form": "8-K", "filed": "2026-06-10", "items": [ "5.07 Submission of Matters to a Vote of Security Holders" ], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526265863/0001193125-26-265863-index.htm" }, { "form": "8-K", "filed": "2026-05-26", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526239353/0001193125-26-239353-index.htm" }, { "form": "10-Q", "filed": "2026-05-07", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312526211961/0001193125-26-211961-index.htm" } ], "events12m": 11, "healthWatch": { "window": "last 12 months", "since": "2025-09-27", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 1, "latest": { "filed": "2025-12-22", "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312525328712/0001193125-25-328712-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001873951.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1873951" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets and no trading recommendations.", "edgar": "🫧 Edgar looked up Exzeo Group, Inc. ($XZO). Last filing: 8-K (8.01 Other Events), 2026-08-14. 11 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 216980000, "revenueGrowth1y": 0.619882342401529, "revenueGrowthPerYear": 0.5668047584067823, "yearsOfData": 3, "operatingMargin": 0.48847820075583004, "operatingMarginPrior": 0.2838190939767671, "netMargin": 0.3813669462623283, "operatingCashFlow": null, "capitalSpending": 2844000, "freeCashFlow": null, "researchAndDevelopment": 8830000, "researchShareOfRevenue": 0.04069499493040833, "cash": 305372000, "longTermDebt": null, "longTermDebtChange": null, "revenueHistory": [ { "fiscalYearEnd": "2023-12-31", "revenue": 88333000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 133948000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 216980000 } ], "totalEquity": 254156000, "totalAssets": 347734000, "equityRatio": 0.7308920036579685, "returnOnEquity": 0.32558349989770063, "dividendsPaid": null, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": 0.99, "sharesOutstanding": 80171000, "bookValuePerShare": 3.1701737536016763, "revenuePerShare": 2.7064649312095397, "range80": { "low": 272706841.59740794, "high": 438308486.02585423, "baseline": 345723683.56669366, "n": 4309, "band": "b01" }, "ifPaceHeld": { "low": 272706841.59740794, "high": 438308486.02585423 } }, "edgarette": "🔖 Exposure: revenue $217.0M (FY2025). Experience: revenue up 62.0% on the year, up 56.7% a year over 2 years; operating margin 48.8%, up from 28.4%. Soundness: equity 73.1% of assets, return on equity 32.6%. Credibility: 3 audited years, moderate weight. Range: 80% of past cases like this landed between $272.7M and $438.3M next year (method v3, set from 4,309 SEC company-years; on a year the method never saw, 83% landed inside). A statistical range, not company guidance. Against peers (140 filers, $50M+ revenue, services-prepackaged software): operating margin 48.8% against a 0.9% median; growth 62.0% against 13.0%.", "peers": { "sic": 7372, "sicDescription": "Services-Prepackaged Software", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "7372", "growth": [ 0.1304, 140 ], "opMargin": [ 0.0091, 140 ], "equityRatio": [ 0.4999, 136 ], "returnOnEquity": [ 0.0234, 120 ], "payoutRatio": [ 0.3057, 11 ] }, "summary": "Exzeo Group (XZO) grew revenue 62.0% in FY2025 to $217 million, operating margin 48.8% against a 0.9% median for services-prepackaged software, equity 73.1% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
Exzeo Group, Inc. against its own record and its peers
Operating marginPeer median 0.9%48.8%Revenue, on the yearPeer median 13.0%62.0%Equity of assetsPeer median 50.0%73.1%Return on equityPeer median 2.3%32.6%Gold tick: the median of 120–136 peers with $50M+ revenue in services-prepackaged software
", "chartHorizon": null, "backtest": { "tests": 0, "hits": 0, "rate": null, "method": "v3", "note": "hindsight: past years, same calibrated range. The range was calibrated on 2022-2024 SEC data, so years in that window are partly in-sample." }, "registry": { "logged": "2026-09-27T21:58:24.994Z", "hash": "82c7cf3abd03b043", "status": "open" }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Exzeo Group (XZO) grew revenue 62.0% in FY2025 to $217 million, operating margin 48.8% against a 0.9% median for services-prepackaged software, equity 73.1% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 216980000, "totalDebt": null, "cash": 305372000 }, "experience": { "revenueGrowth1y": 0.619882342401529, "revenueGrowthPerYear": 0.5668047584067823, "operatingMargin": 0.48847820075583004, "operatingMarginPrior": 0.2838190939767671, "netMargin": 0.3813669462623283, "freeCashFlow": null }, "soundness": { "equityRatio": 0.7308920036579685, "returnOnEquity": 0.32558349989770063, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 7372, "sicDescription": "Services-Prepackaged Software", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "7372", "growth": [ 0.1304, 140 ], "opMargin": [ 0.0091, 140 ], "equityRatio": [ 0.4999, 136 ], "returnOnEquity": [ 0.0234, 120 ], "payoutRatio": [ 0.3057, 11 ] }, "credibility": { "auditedYears": 3, "weight": "moderate", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "healthWatch": { "window": "last 12 months", "since": "2025-09-27", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 1, "latest": { "filed": "2025-12-22", "url": "https://www.sec.gov/Archives/edgar/data/1873951/000119312525328712/0001193125-25-328712-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "range": { "low": 272706841.59740794, "high": 438308486.02585423, "baseline": 345723683.56669366, "coverage": 0.8, "method": "v3", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); range = 10th to 90th percentile of how SEC company-years of the same size band actually turned out", "calibratedOn": { "companyYears": 4309, "sizeBand": "b01" }, "credibility": null, "stress": null, "kind": "a statistical range, not company guidance; no view on the share price", "track": { "backtest": { "tests": 0, "hits": 0, "rate": null, "method": "v3", "note": "hindsight: past years, same calibrated range. The range was calibrated on 2022-2024 SEC data, so years in that window are partly in-sample." }, "registry": { "logged": "2026-09-27T21:58:24.994Z", "hash": "82c7cf3abd03b043", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001873951.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1873951" }, "speedCash": { "fiscalYear": 2025, "cashConversion": null, "growth3y": 0.6199, "volatility": 0.0467, "paysDividend": false, "raisedDividend": false, "equityRatio": 0.7309, "quadrant": { "code": "fs", "label": "Fast and steady", "plain": "growing faster than its size class, with steadier revenue" }, "compass": null, "band": "$100M-1B", "cashPctInClass": null, "growthPctInClass": 94, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 0, "name": "New ship", "plain": "no warning signs" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": null, "investing": -2844000, "financing": 153646000, "capitalSpending": 2844000, "free": null, "trend": [ { "fiscalYearEnd": "2023-12-31", "operating": null, "free": null }, { "fiscalYearEnd": "2024-12-31", "operating": null, "free": null }, { "fiscalYearEnd": "2025-12-31", "operating": null, "free": null } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 305372000, "shortTerm": null, "longTerm": null, "equityHoldings": null, "totalAssets": 347734000, "ladder": null, "currentRatio": 3.86, "unrealizedGain": null, "unrealizedLoss": null, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same range method applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so.", "healthWatch": "Distress-type events the company filed in the last 12 months (late-filing notices; 8-K items 1.03, 3.01, 2.04, 4.02, 4.01, 2.05, 2.06, 1.05, 5.02), each with its count and newest filing. Display only: they do not change the range or its receipt." }, "speedCash": { "fiscalYear": 2025, "cashConversion": null, "growth3y": 0.6199, "volatility": 0.0467, "paysDividend": false, "raisedDividend": false, "equityRatio": 0.7309, "quadrant": { "code": "fs", "label": "Fast and steady", "plain": "growing faster than its size class, with steadier revenue" }, "compass": null, "band": "$100M-1B", "cashPctInClass": null, "growthPctInClass": 94, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [], "rule": "Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider.", "level": 0, "name": "New ship", "plain": "no warning signs" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": null, "investing": -2844000, "financing": 153646000, "capitalSpending": 2844000, "free": null, "trend": [ { "fiscalYearEnd": "2023-12-31", "operating": null, "free": null }, { "fiscalYearEnd": "2024-12-31", "operating": null, "free": null }, { "fiscalYearEnd": "2025-12-31", "operating": null, "free": null } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 305372000, "shortTerm": null, "longTerm": null, "equityHoldings": null, "totalAssets": 347734000, "ladder": null, "currentRatio": 3.86, "unrealizedGain": null, "unrealizedLoss": null, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }