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Exzeo Group, Inc. (XZO)
NYSE:XZO
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
Strong Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented multiple material operational and financial positives: strong profitability, significant managed premium and ARR expansion, high margins, robust free cash flow with >100% conversion, a clean balance sheet, and early traction on third-party clients and new product (flood) with a major partner (Tokio Marine). Management also raised managed premium guidance for 2026 and reiterated pretax income guidance while investing in sales and emphasizing a strategic edge from automation and proprietary data in an AI-driven industry shift. The main negatives are timing and predictability risks from a still-nascent third-party revenue stream, a lumpy/back-end loaded ramp, and forecast uncertainty due to a small number of carrier partners. Overall, the highlights substantially outweigh the lowlights, reflecting constructive momentum but with near-term timing risk.Company Guidance
Strong Quarterly and Full-Year Profitability
Pretax income of ~$29M in Q4 2025 and >$110M for the full year 2025; diluted EPS of $0.25 in Q4 and $0.99 for the full year.
Revenue and ARR Growth
Q4 revenue of $53M and full-year revenue of $217M. Annual recurring revenue (ARR) of $215M in Q4, up from ~$139M in the prior year quarter (≈+54.7%).
Managed Premium Expansion
Managed premium grew to ~$1.39B at the end of Q4, up from ~$580M a year earlier (≈+140%), ahead of expectations.
High Margins and Adjusted EBITDA
Adjusted EBITDA margin increased to over 54% in Q4 and for the full year, reflecting meaningful operating leverage.
Exceptional Free Cash Flow and Conversion
Generated ~$97M of free cash flow in 2025 with net income of ~$83M, implying a free cash flow conversion rate of ~117%.
Strong Balance Sheet
Ended 2025 with $305M cash and cash equivalents, no debt, and stockholders' equity increased 16-fold to $254M.
New Clients, New Product and First Third-Party Revenue
Booked the first non-HCI (third-party) revenue in Q4; two start-up clients expected to reach ~ $100M of managed premium by end of Q1 2026. Announced Tokio Marine Highland as a new client and launched a flood product (first policy already on platform).
Raised 2026 Managed Premium Outlook and Maintained Profit Guidance
Expect managed premium > $1.4B by end of Q1 2026 and raised full-year 2026 managed premium target to $1.55B (year-end). Maintained pretax income guidance for full-year 2026 at $115M–$125M and Q1 2026 pretax income at $23M–$26M.
Strategic Positioning Around AI and Platform Differentiation
Management highlighted Exzeo's modern, fully automated platform, proprietary curated data sets, consumption-based pricing and rapid implementation as key advantages that could be amplified by the insurance industry's AI-driven upgrade cycle.
Sales and Go-To-Market Investment
Hired a seasoned industry executive to broaden the sales funnel; management reported an expanding pipeline and multiple new customers onboarded in the recent months (3 new customers with premium on the platform within ~4 months).
XZO Earnings History
Report Date | Fiscal Quarter | Forecast / EPS | Last Year's EPS | EPS YoY Change | Press Release | Slides | Play Transcript |
|---|---|---|---|---|---|---|---|
Dec 16, 2026 | 2026 (Q3) | 0.25 | ― | ― | ― | ||
Feb 25, 2026 | 2025 (Q4) | ― | ― | ― | |||
Dec 10, 2025 | 2025 (Q3) | ― | ― | ― |
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 |
|---|---|---|---|
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?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
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What is XZO EPS forecast?
Currently, no data Available