Exzeo Group, Inc. (XZO)
NYSE:XZO
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Earnings Data
Report Date
Dec 16, 2026After Close (Confirmed)
Period Ending
2026 (Q3)Consensus EPS Forecast
―Last Year’s EPS
0.25Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed multiple substantive positives: solid top‑line growth, high profitability (≈49% adjusted EBITDA margin), strong free cash flow (123% conversion), balance sheet strength (debt‑free with $330M assets), early success diversifying managed premium with new carriers contributing ~$105M, and rapid AI‑driven product development (WinForm Pro) that demonstrates new monetization avenues. Near‑term constraints include revenue recognition timing limiting immediate revenue conversion of recently added premium, planned flat managed premium in Q2, product monetization expected to be modest initially, and concentration/seasonality risk from a Florida‑centric client base. Despite some transcript inconsistencies in reported figures, the fundamental operating metrics and guidance were positive and management is investing to scale, so the highlights outweigh the lowlights.Company Guidance
Managed Premium Growth and Diversification
Managed premium on the platform was reported at $1.43 billion (Suela) — up from $1.2 billion year‑over‑year (~+19%) — with three new carriers added in the past six months that contributed approximately $105 million (over 7% of managed premium), reflecting diversification beyond historical HCI sponsorship.
Strong Profitability and Margins
Adjusted EBITDA margin was over 49% for the quarter, with pretax income reported at over $27 million versus $24 million in the prior‑year quarter (≈+12.5%), and diluted EPS of $0.22.
Revenue and ARR Performance
Quarterly revenue increased to $56 million from $52 million year‑over‑year (≈+7.7%). Annual recurring revenue was reported as $216 million for Q1 (transcript notes an increase versus prior period, although a prior‑period figure in the transcript appears inconsistent).
Strong Free Cash Flow and Balance Sheet
Generated free cash flow of about $25 million on net income of ~$20 million (free cash flow conversion ~123%). The company ended the period with $330 million of investment assets (cash, cash equivalents, fixed income securities) and remains debt‑free.
Shareholder Equity Expansion
Shareholders' equity increased to $275 million from $254 million sequentially (≈+8.3%); management also stated equity is multiple times higher year‑over‑year (transcript references both ~8x and >3x excluding IPO impact).
Product Innovation and AI Capability (WinForm Pro)
Launched WinForm Pro (AI‑enabled solution) in under a month to address new Florida wind mitigation requirements; product already being trialed by multiple external carriers and has at least one signed external customer, demonstrating rapid product development and commercial traction.
Investing in Growth and Talent
Management is investing in platform and talent, adding ~20 full‑time employees through April to support onboarding, scaling operations, and product capability expansion, signaling commitment to growth execution.
Unchanged/Conservative Guidance
Q2 pretax income guidance of $27–$30 million and FY2026 pretax income guidance unchanged at $115–$125 million; managed premium expected to remain ~ $1.4 billion in Q2 with a year‑end target of $1.55 billion.
XZO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
XZO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 06, 2026 | $17.27 | $13.94 | -19.28% |
Feb 25, 2026 | $15.93 | $16.64 | +4.46% |
Dec 10, 2025 | $18.01 | $19.94 | +10.72% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Exzeo Group, Inc. (XZO) report earnings?
Exzeo Group, Inc. (XZO) is schdueled to report earning on Dec 16, 2026, After Close (Confirmed).
What is Exzeo Group, Inc. (XZO) earnings time?
Exzeo Group, Inc. (XZO) earnings time is at Dec 16, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is XZO EPS forecast?
Currently, no data Available