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Exzeo Group, Inc. (XZO)
Exzeo Group, Inc. (XZO)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Change in Cash
-$94,650K
Free Cash flow
$15,206K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Accounts payable and accrued lia...
Share-based compensation
Contract liabilities
Others
Negative Cash Flow Breakdown
Purchase of available-for-sale s...
Repurchase of common stock
Policy commission and related ex...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total revenue
57,787
55,534
53,316
163,664
Policy commission and related expenses
10,038
12,174
10,912
32,812
Outsourced claims fees
1,494
1,529
2,272
8,895
Direct personnel expense
5,387
4,984
1,957
15,165
Other operating expenses
3,451
3,534
2,716
8,816
Depreciation and amortization
579
570
585
1,827
Gross profit
36,838
32,743
34,874
96,149
Personnel cost
4,221
3,940
5,062
6,996
Other operating expenses
1,567
1,276
1,096
2,570
Research and development
2,440
2,306
1,761
7,069
Depreciation and amortization
147
146
141
338
Total operating expenses
8,375
7,668
8,060
16,973
Operating income
28,463
25,075
26,814
79,176
Investment income
2,963
2,512
2,039
2,263
Interest expense
-
-
0
0
Income before income taxes
31,426
27,587
28,853
81,439
Income tax expense
8,157
7,181
6,869
20,674
Net income from continuing operations
-
-
21,984
60,765
Net income
23,269
20,406
-
-
Share-based compensation
759
740
476
2,160
Depreciation and amortization
736
730
594
2,340
Deferred income taxes
723
191
-2,962
-2,134
Net accretion of discount on investments in fixed-maturity securities
27
4
-
-
Foreign currency remeasurement losses
-95
-96
-32
-141
Accounts receivable
-728
-393
2,906
-
Receivable from related parties
-
-
-1,650
9,871
Related party receivable and payable
766
8,240
-
-
Prepaid expenses
319
-290
359
515
Contract cost assets
-247
-152
-837
-2,852
Income taxes
-
-
-
-4,531
Income taxes payable
-8,983
6,939
5,554
-
Contract liabilities
-752
-156
2,665
-21,549
Commissions payable
-656
845
-81
366
Accounts payable and accrued liabilities
2,502
3,281
-9,078
9,512
Other liabilities
-30
12
92
-125
Other assets
3,628
525
-1,867
1,868
Operating leases, net
13
10
45
46
Cash provided by operating activities
15,415
25,472
11,281
89,017
Purchase of property and equipment
-
-
-
2,441
Capital expenditures
209
327
2,844
-
Cash used in investing activities
-
-
-403
-2,441
Redemption of redeemable preferred stock
-
-
0
0
Proceeds from issuance of notes payable, related party
-
-
0
0
Purchase of available-for-sale securities
99,401
98,994
-
-
Proceeds from initial public offering
-
-
156,205
-
Cash used in investing activities
-99,610
-99,321
-
-
Payment of issuance costs
318
57
1,069
-
Repurchase of common stock
10,043
-
1,490
0
Repayment of long-term debt
-
-
0
-
Dividends paid on redeemable preferred stock
-
-
0
0
Cash used in financing activities
-10,361
-57
153,646
0
Effect of exchange rate changes on cash
-94
-85
-71
-159
Cash provided by (used in) continuing operations
-
-
164,453
86,417
Cash provided by operating activities from discontinued operations
-
-
0
0
Cash used in investing activities from discontinued operations
-
-
0
0
Cash (used in) provided by discontinued operations
-
-
0
0
Net (decrease) increase in cash and cash equivalents
-94,650
-73,991
164,453
86,417
Cash and cash equivalents at beginning of period
140,919
140,919
-
54,502
Cash and cash equivalents at end of period
136,731
231,381
-
140,919
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Total revenue
$57,787K
Gross profit
$36,838K
Canceled cashflow
$20,949K
Operating income
$28,463K
Investment income
$2,963K
Canceled cashflow
$8,375K
Policy commission and
related expenses
$10,038K
Direct personnel
expense
$5,387K
Other operating
expenses
$3,451K
Outsourced claims fees
$1,494K
Depreciation and
amortization
$579K
Income before income
taxes
$31,426K
Total operating
expenses
$8,375K
Net income
$23,269K
Accounts payable and
accrued liabilities
$2,502K
Share-based compensation
$759K
Contract liabilities
-$752K
Depreciation and
amortization
$736K
Accounts receivable
-$728K
Deferred income taxes
$723K
Contract cost assets
-$247K
Foreign currency
remeasurement losses
-$95K
Operating leases, net
$13K
Canceled cashflow
$8,157K
Personnel cost
$4,221K
Research and development
$2,440K
Other operating
expenses
$1,567K
Depreciation and
amortization
$147K
Cash provided by
operating activities
$15,415K
Canceled cashflow
$14,409K
Income tax expense
$8,157K
Net (decrease)
increase in cash and cash...
-$94,650K
Canceled cashflow
$15,415K
Income taxes payable
-$8,983K
Other assets
$3,628K
Related party
receivable and payable
$766K
Commissions payable
-$656K
Prepaid expenses
$319K
Other liabilities
-$30K
Net accretion of
discount on investments...
$27K
Cash used in
investing activities
-$99,610K
Cash used in
financing activities
-$10,361K
Effect of exchange rate
changes on cash
-$94K
Purchase of
available-for-sale securities
$99,401K
Capital expenditures
$209K
Repurchase of common stock
$10,043K
Payment of issuance
costs
$318K
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