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Exzeo Group
Exzeo Group (XZO) investor relations material
Exzeo Group Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Delivered strong Q4 and full-year financial performance, with significant growth in revenue, pre-tax income, and EPS year-over-year.
Managed Premium grew 139% year-over-year to $1.39 billion, reflecting strong platform adoption and expansion of client base, including onboarding of two new clients and addition of Tokio Marine Highland.
Revenue increased 62% year-over-year to $217 million, driven by expanded underwriting and management services.
Adjusted EBITDA for the year reached $111.5 million, with margin exceeding 54% for both Q4 and full year.
Cash and cash equivalents at year-end totaled $305 million, up from $54.5 million, with no debt.
Financial highlights
Q4 revenue: $53.3 million, up 20% year-over-year; full-year revenue: $217 million, up 62%.
Q4 pre-tax income: ~$29 million; full-year pre-tax income: >$110 million.
Q4 net income from continuing operations: $22 million; full-year net income: ~$83 million.
Q4 diluted EPS: $0.25; full-year diluted EPS: $0.99, up from $0.20.
Free cash flow for the year: ~$97.5 million; free cash flow conversion rate: 117%.
Outlook and guidance
Q1 2026 pre-tax income expected between $23 million and $26 million; full-year 2026 pre-tax income expected between $115 million and $125 million.
Managed Premium expected to exceed $1.4 billion by end of Q1 and reach $1.55 billion by year-end 2026.
Free cash flow conversion expected to remain above 100% in 2026, driven by upfront cash receipts and growth.
Management highlighted scalability and strong profitability, emphasizing continued growth in recurring revenue streams and customer expansion.
Forward-looking statements caution about risks related to profitability, regulatory environment, and reliance on key partners.
How do proprietary data sets enhance AI value
Conversion rate for the tripled sales pipeline
FCF conversion with back-end loaded premium ramp
Partial view of Summaries dataset, powered by Quartr API
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Next Exzeo Group earnings date
Q1 202613 May, 2026
Exzeo Group
Next Exzeo Group earnings date
Q1 202613 May, 2026
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