Exzeo Group, Inc.
XZONYSETechnology · Services-Prepackaged Software · FL · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | |
|---|---|---|---|
| Revenue | $217.0M | $133.9M | $88.3M |
| Operating income | $106.0M | $38.0M | $2.6M |
| Net income | $82.7M | $45.3M | $21.5M |
| Total assets | $347.7M | $89.4M | — |
| Total liabilities | $93.6M | $73.9M | — |
| Equity | $254.2M | $15.5M | −$25.3M |
| EPS (diluted) | $0.99 | $0.44 | $0.15 |
| Shares out. | 90.9M | 82.8M | 76.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- 48.8%
- Net margin
- 38.1%
- Return on equity
- 32.6%
- Return on assets
- 23.8%
- Return on capital (ROCE)
- 40.2%
- Liabilities / assets
- 26.9%
- Debt / equity
- 0.37×
- Book value / share
- $2.80
- Revenue growth (YoY)
- 62.0%
- Net income growth (YoY)
- 82.6%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Altman Z″ (distress)
- 9.69safe
- Accruals / assets
- −5.0%clean
- Piotroski F-Score
- 6/9mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 7 good- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Conservative leverage (liabilities < 50% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
- Altman Z″ in the safe zone
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Patel PareshPassive (13G)Feb 13, 2026
- Hci Group, Inc.Passive (13G)Feb 13, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 479,195 | 1.6 | +14.1% |
| Apr 30, 2026 | 420,129 | 3.6 | -14.7% |
| Apr 15, 2026 | 492,437 | 2.5 | -10.9% |
| Mar 31, 2026 | 552,445 | 1.9 | +128.3% |
| Mar 13, 2026 | 241,986 | 1.6 | -8.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 26, 2026
- Results of operationsMay 6, 2026
- Results of operationsFeb 25, 2026
- Director / officer changeDec 22, 2025
- Regulation FD disclosureDec 22, 2025
- Results of operationsDec 10, 2025
- Results of operations · Regulation FD disclosureNov 7, 2025
- Entered a material agreement · Amended charter or bylaws · Regulation FD disclosureNov 6, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.