For the quarter ending 2025-09-30, XZO had $86,417K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 |
|---|---|
| Revenue | 163,664 |
| Policy commission and related expenses | 32,812 |
| Outsourced claims fees | 8,895 |
| Direct personnel expense | 15,165 |
| Other operating expenses | 8,816 |
| Depreciation and amortization | 1,827 |
| Gross profit | 96,149 |
| Personnel cost | 6,996 |
| Other operating expenses | 2,570 |
| Research and development | 7,069 |
| Depreciation and amortization | 338 |
| Total operating expenses | 16,973 |
| Operating income | 79,176 |
| Investment income | 2,263 |
| Interest expense | 0 |
| Income from continuing operations, before taxes | 81,439 |
| Income tax expense from continuing operations | 20,674 |
| Net income from continuing operations | 60,765 |
| Stock-based compensation | 2,160 |
| Depreciation and amortization | 2,340 |
| Deferred income taxes | -2,134 |
| Foreign currency remeasurement losses | -141 |
| Net receivable from related parties | 9,871 |
| Prepaid expenses | 515 |
| Contract cost assets | -2,852 |
| Income taxes | -4,531 |
| Contract liabilities | -21,549 |
| Commissions payable | 366 |
| Accounts payable and accrued liabilities | 9,512 |
| Other liabilities | -125 |
| Other assets | 1,868 |
| Operating leases, net | 46 |
| Net cash provided by operating activities | 89,017 |
| Purchase of property and equipment | 2,441 |
| Net cash used in investing activities | -2,441 |
| Redemption of redeemable preferred stock | 0 |
| Proceeds from issuance of notes payable - related party | 0 |
| Repurchase of common stock | 0 |
| Cash dividends paid to redeemable preferred stock | 0 |
| Net cash used in financing activities | 0 |
| Effect of exchange rate changes on cash | -159 |
| Net cash provided by continuing operations | 86,417 |
| Net cash provided by operating activities from discontinued operations | 0 |
| Net cash used in investing activities from discontinued operations | 0 |
| Net cash used in discontinued operations | 0 |
| Net increase (decrease) in cash, cash equivalents, and restricted cash | 86,417 |
| Cash and cash equivalents at beginning of period | 54,502 |
| Cash and cash equivalents at end of period | 140,919 |
Exzeo Group, Inc. (XZO)
Exzeo Group, Inc. (XZO)