Exzeo Group, Inc. (XZO) Earnings History
Profitable7 years of earnings data (2019–2025) · Positive TTM net income
Loading earnings history...
Exzeo Group, Inc. (XZO) Earnings Overview
As of June 29, 2026, Exzeo Group, Inc. (XZO) reported trailing twelve-month net income of $56M, reflecting +135.1% year-over-year growth. The company earned $0.62 per diluted share over the past four quarters, with a net profit margin of 38.1%.
Looking at the long-term picture, XZO's historical earnings data spans multiple years. The company achieved its highest annual net income of $83M in fiscal 2025, representing a new all-time high.
Exzeo Group, Inc. maintains industry-leading profitability with a gross margin of 58.8%, operating margin of 48.8%, and net margin of 38.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including HIFS ($50M net income, 23.0% margin), CZWI ($15M net income, 16.0% margin), MFIN ($39M net income, 12.2% margin), XZO has outperformed on profitability metrics. Compare XZO vs HIFS →
XZO Earnings vs Peers
Earnings metrics vs comparable public companies
XZO Historical Earnings Data (2019–2025)
5 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $83M | +87.6% | $106M | $0.87 | 38.1% | 48.8% |
| 2024 | $44M | +112.3% | $38M | $0.37 | 32.9% | 28.4% |
| 2023 | $21M | +267.2% | $3M | $0.13 | 23.5% | 2.9% |
| 2020 | -$12M | -79.8% | -$9M | $-0.14 | -24.0% | -16.8% |
| 2019 | -$7M | - | -$2M | $-0.08 | -32.4% | -8.1% |
Download Data
Export XZO earnings history in CSV or JSON format
Free sign-in required to download data
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
7+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
XZO — Frequently Asked Questions
Quick answers to the most common questions about buying XZO stock.
What is XZO earnings per share (EPS)?
XZO trailing twelve-month (TTM) diluted EPS is $0.62, reflecting +135.1% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2019 to 2025 is available in the table on this page.
What is Exzeo Group, Inc.'s net income?
Exzeo Group, Inc. (XZO) trailing twelve-month net income is $56M as of 2025. Earnings grew +135.1% year-over-year. Exzeo Group, Inc. has been profitable for 3 consecutive years.
Is XZO profitable?
Yes, XZO is profitable with a TTM net income of $56M and a net profit margin of +38.1%. Exzeo Group, Inc. has generated profits for 3 consecutive years.
What is XZO's earnings growth rate?
XZO compound annual EPS growth rates (CAGR): 1-Year: +135.1%, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2019 to 2025.
What are XZO's profit margins?
Exzeo Group, Inc. net profit margin is +38.1%, operating margin is +48.8%, and gross margin is +58.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +61.4%.
Is XZO growing earnings?
Yes, XZO earnings are accelerating — EPS growth of +135.1% exceeds the 5-year CAGR of N/A. TTM net income reached $56M. Earnings momentum is strengthening.
What was XZO's best earnings year?
Exzeo Group, Inc.'s highest annual net income on record is $83M, achieved in fiscal year 2025. Earnings history on this page spans 2019 to 2025 and includes all annual and quarterly figures.
What were XZO's earnings last quarter?
XZO's most recent reported quarter was Q1 2026. Net income was $20M with diluted EPS of $0.22. For a full breakdown of all quarters, see the quarterly earnings table on this page.