For the year ending 2025-12-31, XZO had $250,870K increase in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Revenue | 216,980 |
| Policy commission and related expenses | 43,724 |
| Outsourced claims fees | 11,167 |
| Direct personnel expense | 17,122 |
| Other operating expenses | 11,532 |
| Depreciation and amortization | 2,412 |
| Gross profit | 131,023 |
| Personnel cost | 12,058 |
| Other operating expenses | 3,666 |
| Research and development | 8,830 |
| Depreciation and amortization | 479 |
| Total operating expenses | 25,033 |
| Operating income | 105,990 |
| Investment income | 4,302 |
| Interest expense | 0 |
| Income from continuing operations, before taxes | 110,292 |
| Income tax expense | 27,543 |
| Net income from continuing operations | 82,749 |
| Stock-based compensation | 2,636 |
| Depreciation and amortization | 2,934 |
| Deferred income taxes | -5,096 |
| Foreign currency remeasurement losses | -173 |
| Accounts receivable | 2,906 |
| Receivable from related parties | 8,221 |
| Prepaid expenses | 874 |
| Contract cost assets | -3,689 |
| Income taxes payable (receivable) | 5,554 |
| Contract liabilities | -18,884 |
| Commissions payable | 285 |
| Accounts payable and accrued liabilities | 434 |
| Other liabilities | -33 |
| Other assets | 1 |
| Operating lease | 91 |
| Cash provided by operating activities | 100,298 |
| Capital expenditures | 2,844 |
| Cash used in investing activities | -2,844 |
| Redemption of redeemable preferred stock | 0 |
| Proceeds from issuance of notes payable, related party | 0 |
| Proceeds from initial public offering | 156,205 |
| Payments of issuance costs | 1,069 |
| Repurchase of common stock | 1,490 |
| Repayment of long-term debt | 0 |
| Dividends paid on redeemable preferred stock | 0 |
| Cash provided by (used in) financing activities | 153,646 |
| Effect of exchange rate changes on cash | -230 |
| Cash provided by (used in) continuing operations | 250,870 |
| Cash provided by operating activities from discontinued operations | 0 |
| Cash used in investing activities from discontinued operations | 0 |
| Cash (used in) provided by discontinued operations | 0 |
| Increase (decrease) in cash, cash equivalents, and restricted cash | 250,870 |
Exzeo Group, Inc. (XZO)
Exzeo Group, Inc. (XZO)