Exzeo Group, Inc. (XZO) Earnings History
Annual and quarterly earnings data from 2019 to 2025
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XZO EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
XZO Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 60.4% | 48.8% | 38.1% |
| 2024 | 39.5% | 28.4% | 32.9% |
| 2023 | 19.2% | 2.9% | 23.5% |
| 2020 | 4.0% | -16.8% | -24.0% |
| 2019 | 27.8% | -8.1% | -32.4% |
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Exzeo Group, Inc. (XZO) Earnings Overview
As of May 8, 2026, Exzeo Group, Inc. (XZO) reported trailing twelve-month net income of $55M, reflecting +135.1% year-over-year growth. The company earned $0.61 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 60.4%, 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 ($45M net income, 13.0% margin), CZWI ($14M net income, 16.0% margin), MFIN ($47M 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% |
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Start ComparisonXZO — Frequently Asked Questions
Quick answers to the most common questions about buying XZO stock.
Is XZO growing earnings?
XZO EPS is $0.61, with earnings growth accelerating to +135.1%. This exceeds the 5-year CAGR of N/A. TTM net income reached $55M.
What are XZO's profit margins?
Exzeo Group, Inc. net margin is +38.1%, with operating margin at +48.8%. Above-average margins indicate pricing power.
How consistent are XZO's earnings?
XZO earnings data spans 2019-2025. The accelerating earnings trend is +135.1% YoY. Historical data enables comparison across business cycles.