Exzeo Group, Inc. (XZO)
NYSE: XZO · Services-Prepackaged Software · Tampa, FL · filing with the SEC since 2021
Income statement, as filed
In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.| Fiscal year | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|
| Period ending | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 |
| Report filed | Feb 26, 2026 | · | · |
| Revenue | 216,980 | 133,948 | 88,333 |
| For lenders | |||
| Interest expense on deposits and borrowings | 0 | 3,329 | 1,723 |
| For insurers | |||
| Net investment income | 4,302 | 548 | 52 |
| Cost of revenue | 85,957 | 80,739 | 71,061 |
| Gross profit | 131,023 | 53,209 | 17,272 |
| Research and development | 8,830 | 6,514 | 6,528 |
| Selling, general and administrative | 15,724 | 8,343 | 7,898 |
| Total operating expenses | 25,033 | 15,192 | 14,718 |
| Operating income | 105,990 | 38,017 | 2,554 |
| Income before income taxes | 110,292 | 35,236 | 883 |
| Income tax expense | 27,543 | 9,168 | -12,018 |
| Income from continuing operations | 82,749 | 26,068 | 12,901 |
| Income from discontinued operations | 0 | 19,253 | 8,561 |
| Net income including non-controlling interests | 82,749 | 45,321 | 21,462 |
| Net income | 82,749 | 45,321 | 21,462 |
| Preferred dividends | 0 | 10,149 | 9,370 |
| Net income to common shareholders | 82,749 | 35,172 | 12,092 |
| Earnings per share, basic | 0.99 | 0.44 | 0.15 |
| Earnings per share, diluted | 0.99 | 0.44 | 0.15 |
| Weighted average shares, basic | 80,171,000 | 77,494,000 | 76,102,000 |
| Weighted average shares, diluted | 80,171,000 | 77,494,000 | 76,102,000 |
As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. r restated by the company in a later report; b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.
What each line is, and the XBRL concept behind it
Revenue what customers paid for what it sold
us-gaap:RevenueFromContractWithCustomerExcludingAssessedTaxInterest expense on deposits and borrowings what it paid for the money it lends
us-gaap:InterestExpenseOperatingNet investment income what its investments earned
us-gaap:NetInvestmentIncomeCost of revenue what it cost to make or buy what it sold
us-gaap:CostOfRevenueGross profit revenue less the cost of what it sold
us-gaap:GrossProfitResearch and development spent on inventing what it sells next
us-gaap:ResearchAndDevelopmentExpenseSelling, general and administrative the cost of selling and of running the company
us-gaap:SellingGeneralAndAdministrativeExpenseTotal operating expenses the running costs together
us-gaap:OperatingExpensesOperating income profit from running the business, before interest and tax
us-gaap:OperatingIncomeLossIncome before income taxes profit before tax
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterestIncome tax expense tax charged on the period's profit
us-gaap:IncomeTaxExpenseBenefitIncome from continuing operations profit from the businesses it keeps
us-gaap:IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterestIncome from discontinued operations profit or loss from businesses it sold or closed
us-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxNet income including non-controlling interests the whole group's profit, minority holders' share included
us-gaap:ProfitLossNet income the profit or loss that belongs to the company's shareholders
us-gaap:NetIncomeLossPreferred dividends paid to preferred holders before common shareholders
us-gaap:PreferredStockDividendsIncomeStatementImpactNet income to common shareholders what is left for common shareholders
us-gaap:NetIncomeLossAvailableToCommonStockholdersBasicEarnings per share, basic net income per share outstanding
us-gaap:EarningsPerShareBasicEarnings per share, diluted net income per share, counting every share that could be issued
us-gaap:EarningsPerShareDilutedWeighted average shares, basic the average count of shares outstanding
us-gaap:WeightedAverageNumberOfSharesOutstandingBasicWeighted average shares, diluted the average count with every share that could be issued
us-gaap:WeightedAverageNumberOfDilutedSharesOutstanding