Exzeo Group, Inc. (XZO) — SEC Filings
Exzeo Group, Inc. (XZO) — 21 SEC filings. Latest: 4 (May 11, 2026). Includes 14 4, 4 8-K, 1 10-Q.
View Exzeo Group, Inc. on SEC EDGAR
Overview
Exzeo Group, Inc. (XZO) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 4 filed on Apr 9, 2026: On April 8, 2026, Paresh Patel, a reporting person associated with Exzeo Group, Inc., reported a change in beneficial ownership of securities. The filing details transactions related to Exzeo Group, Inc., a Florida-based company specializing in prepackaged software.
Sentiment Summary
Across 21 filings, the sentiment breakdown is: 2 bullish, 18 neutral, 1 mixed. The dominant filing sentiment for Exzeo Group, Inc. is neutral.
Filing Type Overview
Exzeo Group, Inc. (XZO) has filed 14 4, 4 8-K, 1 10-Q, 1 S-1/A, 1 S-1 with the SEC between Sep 2025 to May 2026.
Filings by Year
Recent SEC Filings (21)
| Date | Form | Description | Risk |
|---|---|---|---|
| May 11, 2026 | 4 | 4 Filing | |
| May 8, 2026 | 4 | 4 Filing | |
| May 7, 2026 | 4 | 4 Filing | |
| Apr 29, 2026 | 4 | 4 Filing | |
| Apr 22, 2026 | 4 | 4 Filing | |
| Apr 20, 2026 | 4 | 4 Filing | |
| Apr 16, 2026 | 4 | 4 Filing | |
| Apr 15, 2026 | 4 | 4 Filing | |
| Apr 14, 2026 | 4 | 4 Filing | |
| Apr 9, 2026 | 4 | Exzeo Group Inc. Insider Ownership Change Reported | low |
| Apr 8, 2026 | 4 | Exzeo Group, Inc. Files Form 4 for Ownership Changes | low |
| Apr 7, 2026 | 4 | Exzeo Group Inc. (EXZ) - Ownership Change Filing | low |
| Apr 1, 2026 | 4 | Exzeo Group Inc. Insider Ownership Change Reported | low |
| Mar 26, 2026 | 4 | Exzeo Group Inc. Files Form 4 for Ownership Changes | low |
| Dec 22, 2025 | 8-K | 8-K Filing | |
| Dec 11, 2025 | 10-Q | Exzeo Group Revenue Jumps 83% on Strong IaaS Platform Performance | low |
| Dec 10, 2025 | 8-K | Exzeo Group, Inc. Files 8-K on Financials | low |
| Nov 7, 2025 | 8-K | Exzeo Group Files 8-K on Financials | low |
| Nov 6, 2025 | 8-K | Exzeo Group Files 8-K: Material Agreement, Bylaw Changes | medium |
| Oct 16, 2025 | S-1/A | Exzeo Group Targets $176M IPO, HCI to Retain 81.54% Stake | medium |
Risk Profile
Risk Assessment: Of XZO's 11 recent filings, 0 were flagged as high-risk, 3 as medium-risk, and 8 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $163,664,000 |
| Net Income | $60,765,000 |
| EPS | $0.73 |
| Debt-to-Equity | 0.00 |
| Cash Position | $140,919,000 |
| Operating Margin | 48.37% |
| Total Assets | $182,254,000 |
| Total Debt | $0 |
Key Executives
- Paresh Patel
- 0001439934
- Patel Paresh
- Kevin Mitchell
Industry Context
Exzeo Group operates within the rapidly evolving Insurtech sector, which is characterized by technological innovation and a shift towards digital-first insurance solutions. The industry is seeing increased adoption of platforms offering end-to-end services, driven by demand for efficiency and improved customer experience. Competition is intensifying from both established insurance carriers digitizing their operations and new technology-focused startups.
Top Tags
ownership-change (5) · insider-filing (4) · InsurTech (2) · IPO (2) · Property & Casualty Insurance (2) · Software-as-a-Service (2) · Emerging Growth Company (2) · insider-transaction (1) · Insurance Technology (1) · IaaS (1)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Revenue | $163.664B | Increased by 83% for the nine months ended September 30, 2025, from $89,415 thousand in 2024. |
| Net Income | $60.765B | Increased significantly for the nine months ended September 30, 2025, from $33,621 thousand in 2024. |
| Cash and Cash Equivalents | $140.919B | Increased by 158% as of September 30, 2025, from $54,502 thousand at December 31, 2024. |
| Basic and Diluted EPS from Continuing Operations | $0.73 | Increased significantly for the nine months ended September 30, 2025, from $0.05 in 2024. |
| Total Stockholders' Equity | $78.432B | Increased by 406% as of September 30, 2025, from $15,507 thousand at December 31, 2024. |
| Operating Income | $79.176B | Increased by 253% for the nine months ended September 30, 2025, from $22,438 thousand in 2024. |
| Retained Earnings | $3,434 | Shifted from an accumulated deficit of $(57,331) thousand at December 31, 2024, to a positive balance as of September 30, 2025. |
| Shares of Common Stock Outstanding | 82,775,789 | As of September 30, 2025. |
| Estimated IPO Price Range Per Share | $20.00-$22.00 | Initial public offering price for XZO common stock |
| Shares Offered in IPO | 8,000,000 | Number of common stock shares being sold to the public |
| HCI Group's Post-IPO Ownership | 81.54% | Percentage of total outstanding shares and voting power HCI Group, Inc. will own |
| Managed In-Force Premium | $1.2 billion | Total premium managed by the Exzeo Platform across 13 states and 4 insurance companies |
| Improvement in Average Loss Ratio | 12 percentage points | Exzeo customers' improvement compared to Florida homeowners' insurance industry average (2017-2024) |
| Improvement in Expense Ratio | 14 percentage points | Exzeo customers' improvement in 2024 compared to 2017 |
| Underwriters' Option for Additional Shares | 1,200,000 | Maximum additional shares underwriters can purchase within 30 days |
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Frequently Asked Questions
What are the latest SEC filings for Exzeo Group, Inc. (XZO)?
Exzeo Group, Inc. has 21 recent SEC filings from Sep 2025 to May 2026, including 14 4, 4 8-K, 1 10-Q. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of XZO filings?
Across 21 filings, the sentiment breakdown is: 2 bullish, 18 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Exzeo Group, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Exzeo Group, Inc. (XZO) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Exzeo Group, Inc.?
Key financial highlights from Exzeo Group, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for XZO?
The investment thesis for XZO includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Exzeo Group, Inc.?
Key executives identified across Exzeo Group, Inc.'s filings include Paresh Patel, 0001439934, Patel Paresh, Kevin Mitchell.
What are the main risk factors for Exzeo Group, Inc. stock?
Of XZO's 11 assessed filings, 0 were flagged high-risk, 3 medium-risk, and 8 low-risk.
What are recent predictions and forward guidance from Exzeo Group, Inc.?
Forward guidance and predictions for Exzeo Group, Inc. are extracted from SEC filings as they are enriched.