Inferra AI / Company / XZO
Exzeo Group, Inc.
XZO · Financials
Last earnings Aug 6, 2026
Key results
EPSquarter
$0.22
htm EX-99.1 EX-99.1 Exhibit 99.1 Exzeo Announces First Quarter 2026 Financial Results Managed Premium 1 of $1.43 billion; Pre-Tax Income of $27.6 million; Earnings per share 2 of $0.22 Tampa, Fla.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Revenuequarter
$55.5 million
First Quarter 2026 Highlights (Comparisons to First Quarter 2025) • Revenue increased to $55.5 million from $52.4 million, driven primarily by new customers along with growth in underwriting and management services from our existing customer base.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Net incomequarter
$20.4 million
• Net income was $20.4 million, and basic and diluted earnings per share were $0.22, compared with $18.0 million and $0.22 in the prior-year period.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Recurring revenuequarter
$216.2 million
• Annual Recurring Revenue 4 increased to $216.2 million, up from $198.7 million in the prior-year period.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Free cash flowquarter
$25.1 million
As a result, Free Cash Flow 3 increased to $25.1 million from $19.0 million.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
AI analysis
Q1 2026 · reported May 6, 2026
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Headline figures
| Metric | Q1 2026 | Prior qtr | Year ago |
|---|---|---|---|
| EPS | $0.22 | — | — |
| Revenue | $55.5 million | — | — |
| Net income | $20.4 million | — | — |
| Recurring revenue | $216.2 million | — | $198.7 million |
| Free cash flow | $25.1 million | — | — |
Guidance · company-stated
No guidance located in the held release
Cash flow & capex
Capital allocation
Certain unvested restricted stock awards are considered participating securities because they carry non-forfeitable dividend and voting rights and share in the Company's earnings.
Free Cash Flow We define Free Cash Flow as net cash provided by operating activities less capital expenditures during the period.
Event summary
Exzeo Announces First Quarter 2026 Financial Results Managed Premium 1 of $1.43 billion; Pre-Tax Income of $27.6 million; Earnings per share 2 of $0.22
Based on: Earnings release + parent 8-K + 10-Q — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Certain unvested restricted stock awards are considered participating securities because they carry non-forfeitable dividend and voting rights and share in the Company's earnings.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Free Cash Flow We define Free Cash Flow as net cash provided by operating activities less capital expenditures during the period.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
We believe information regarding Free Cash Flow provides useful information to management and investors because it is an indicator of strength and performance of our business operations after funding capital expenditures.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Capital expenditures consist of capitalized software development costs and costs relating to property and equipment, such as computer hardware, office furniture and equipment, and leasehold improvements.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Treasury securities, which are classified as available-for-sale debt securities.
SEC original ↗Exzeo Group, Inc. — 10-Q Quarterly report10-QAug 7, 2026
The amortized cost, gross unrealized gains, gross unrealized losses and estimated fair value of the Company s available-for-sale debt securities as of June 30, 2026 is as follows: Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Estimated Fair Value (1) U.
SEC original ↗Exzeo Group, Inc. — 10-Q Quarterly report10-QAug 7, 2026
Strategy & priorities
Now six months since our IPO, we've delivered on our strategic priorities, including driving profitable growth with existing carrier partners, successfully onboarding and scaling third-party clients, and advancing product innovation across the platform.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Adjusted EBITDA Margin 3 was 49% compared with 50% in the prior year, as the Company continued to invest in strategic initiatives to support long-term growth, including personnel and company infrastructure.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Exzeo Group is a leading innovator in technology solutions purpose-built for property and casualty (P&C) insurance carriers, with a strong focus on the expansive homeowners insurance market.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Words such as anticipate, estimate, expect, intend, plan, confident, prospects and project and other similar words and expressions are intended to signify forward-looking statements, and these forward-looking statements may include, without limitation, statements regarding growth strategies and future performance and profitability.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Investments Available-for-Sale Fixed-Maturity Securities During the six months ended June 30, 2026, the Company began investing in U.
SEC original ↗Exzeo Group, Inc. — 10-Q Quarterly report10-QAug 7, 2026
Risks & headwinds
Forward-looking statements are not guarantees of future results and conditions but rather are subject to various risks and uncertainties, which may include, without limitation, our ability to maintain our current level of profitability, the regulated environment in which we operate, the ownership of a controlling interest in our common stock by HCI Group, Inc.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
These and other risks and uncertainties are identified in our filings with the Securities and Exchange Commission, including those factors discussed under the captions entitled Risk Factors and Management’s Discussion and Analysis of Financial Condition and Results of Operations in our Quarterly Report on Form 10-Q for the three months ended March 31, 2026, when filed.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Should any risks or uncertainties develop into actual events, these developments could have material adverse effects on the Company's business, financial condition and results of operations.
SEC original ↗Exzeo Group, Inc. — Earnings release (8-K exhibit)EX-99May 6, 2026
Legal Proceedings 40 Item 1A.
SEC original ↗Exzeo Group, Inc. — 10-Q Quarterly report10-QAug 7, 2026
This update enhances guidance on the capitalization of software development costs by eliminating project phase-based criteria and clarifying the conditions signifying significant development uncertainty used by entities to evaluate when the probable-to-complete recognition threshold is met.
SEC original ↗Exzeo Group, Inc. — 10-Q Quarterly report10-QAug 7, 2026
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
15 documentsEarnings releases
8 documentsPresentations
0 documentsNo presentations for Exzeo Group, Inc. are held in this edition of the library.
Transcripts
0 documentsNo transcripts for Exzeo Group, Inc. are held in this edition of the library.
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