Exzeo Group (NYSE:XZO) Releases Quarterly Earnings Results, Beats Estimates By $0.12 EPS

Exzeo Group (NYSE:XZO) issued its quarterly earnings data on Wednesday. The company reported $0.25 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.13 by $0.12, Zacks reports. The business had revenue of $53.32 million for the quarter, compared to the consensus estimate of $41.50 million.

Here are the key takeaways from Exzeo Group’s conference call:

• Exzeo reported strong results with Q4 pre-tax income of ~$29 million, FY pre-tax income >$110 million, diluted EPS of $0.99 for 2025, adjusted EBITDA margins above 54%, and $97 million of free cash flow (117% conversion); the company finished with $305 million in cash and no debt.
• Managed Premium grew to ~$1.39 billion at year-end (up from ~$580 million a year earlier) and ARR rose to $215 million; management now expects >$1.4 billion by end-Q1 and has raised its 2026 Managed Premium outlook to $1.55 billion.
• Exzeo added its first non-HCI third‑party clients and booked a new strategic client/product tonight — Tokio Marine Highland for a flood insurance product (first policy already issued), with Tokio licensed in 42 states, expanding addressable market reach.
• Management positions Exzeo as well‑placed for an AI-driven upgrade cycle — citing a modern, fully automated platform, consumption-based fees, faster implementations, a growing sales funnel and a new seasoned sales hire — but these are forward‑looking drivers that remain execution‑dependent.

Exzeo Group Stock Performance

XZO stock opened at $16.31 on Friday. The stock has a market capitalization of $1.48 billion and a price-to-earnings ratio of 65.24. The firm has a fifty day simple moving average of $20.02. Exzeo Group has a fifty-two week low of $12.91 and a fifty-two week high of $24.60.

Analyst Upgrades and Downgrades

Several equities analysts recently weighed in on the company. Truist Financial initiated coverage on Exzeo Group in a research report on Monday, December 1st. They set a “buy” rating and a $25.00 target price on the stock. Zacks Research upgraded Exzeo Group to a “hold” rating in a research report on Tuesday, December 2nd. Weiss Ratings began coverage on Exzeo Group in a research report on Monday, February 2nd. They set a “hold (c-)” rating on the stock. Citizens Jmp started coverage on Exzeo Group in a research note on Monday, December 1st. They set a “market outperform” rating and a $27.00 price objective for the company. Finally, William Blair assumed coverage on shares of Exzeo Group in a report on Monday, December 1st. They issued an “outperform” rating for the company. Three equities research analysts have rated the stock with a Buy rating and two have issued a Hold rating to the company. According to MarketBeat.com, the company currently has an average rating of “Moderate Buy” and a consensus target price of $26.00.

Insiders Place Their Bets

In other Exzeo Group news, President Kevin Andrew Mitchell bought 12,510 shares of Exzeo Group stock in a transaction dated Thursday, December 18th. The shares were purchased at an average cost of $19.58 per share, for a total transaction of $244,945.80. Following the acquisition, the president directly owned 715,135 shares in the company, valued at approximately $14,002,343.30. This represents a 1.78% increase in their position. The acquisition was disclosed in a document filed with the SEC, which is available through this link. Also, CFO Suela Bulku bought 10,020 shares of the firm’s stock in a transaction dated Thursday, December 18th. The shares were acquired at an average price of $19.58 per share, for a total transaction of $196,191.60. Following the completion of the transaction, the chief financial officer directly owned 314,874 shares in the company, valued at approximately $6,165,232.92. This represents a 3.29% increase in their position. Additional details regarding this purchase are available in the official SEC disclosure. Insiders acquired 32,550 shares of company stock valued at $637,329 in the last three months.

Institutional Investors Weigh In On Exzeo Group

Several institutional investors have recently modified their holdings of the stock. Ophir Asset Management Pty Ltd purchased a new position in shares of Exzeo Group in the 4th quarter worth approximately $23,907,000. Janus Henderson Group PLC purchased a new stake in Exzeo Group during the 4th quarter valued at $14,991,000. Goldman Sachs Group Inc. bought a new stake in Exzeo Group in the fourth quarter worth $12,551,000. Essex Investment Management Co. LLC purchased a new position in Exzeo Group during the fourth quarter worth $7,059,000. Finally, Millennium Management LLC purchased a new position in Exzeo Group during the fourth quarter worth $3,799,000.

About Exzeo Group

Exzeo provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Exzeo’s Insurance-as-a-Service (IaaS) platform, which we refer to as the “Exzeo Platform,” currently includes nine highly configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain.