# Exzeo Group, Inc. (XZO) · Edgar & Edgarette company card

> Exzeo Group (XZO) grew revenue 62.0% in FY2025 to $217 million, operating margin 48.8% against a 0.9% median for prepackaged software, equity 73.1% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1873951 · fiscal year ended 2025-12-31 · 3 audited years read · [page](https://www.pops4.com/boards/company/XZO) · [JSON](https://www.pops4.com/boards/company/XZO.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $217M |
| Revenue growth, 1 year | 62.0% |
| Revenue growth per year | 56.7% |
| Operating margin | 48.8% (prior year 28.4%) |
| Net margin | 38.1% |
| Operating cash flow | — |
| Capital spending | $3M |
| Free cash flow | — |
| Cash | $305M |
| Long-term debt | — |
| Total assets | $348M |
| Total equity | $254M |
| Equity ÷ assets | 73.1% |
| Return on equity | 32.6% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Altman Z: 9.69 (safe zone)
- Piotroski F: 4 of 9 (middling)
- Health Harbor boat: New ship · no warning signs

## Edgarette's reading

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%.

Range logged 2026-09-27, receipt 82c7cf3abd03b043, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 1, latest 2025-12-22 ([filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312525328712/0001193125-25-328712-index.htm))

## Recent filings

- 10-Q · filed 2026-11-05 · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526449861/0001193125-26-449861-index.htm)
- 8-K · filed 2026-11-04 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526447328/0001193125-26-447328-index.htm)
- 8-K · filed 2026-08-14 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526352384/0001193125-26-352384-index.htm)
- 10-Q · filed 2026-08-07 · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526340267/0001193125-26-340267-index.htm)
- 8-K · filed 2026-08-06 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526338098/0001193125-26-338098-index.htm)
- 8-K · filed 2026-06-10 · 5.07 Submission of Matters to a Vote of Security Holders · [filing](https://www.sec.gov/Archives/edgar/data/1873951/000119312526265863/0001193125-26-265863-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001873951.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1873951

## Cite

POPS4, Edgar & Edgarette: Exzeo Group, Inc. (XZO) company card, from the company's own SEC filings, accessed 2026-11-12, https://www.pops4.com/boards/company/XZO. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

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.