# Exzeo Group, Inc. (XZO) FY2026 Q2 P&L / Income Statement - Company: Exzeo Group, Inc. (XZO) - Period: 2026-04-01 to 2026-06-30 - Filing: Q2 FY2026 10-Q, filed 2026-08-07, accession number 0001193125-26-340267 - Page: https://plicit.ai/financials/xzo/fy2026-q2-income-statement - Chart image: https://plicit.ai/charts/xzo-fy2026-q2-income-statement-sankey.png ## Chart details: Revenue by Product and Service by Timing of Transfer Income statement for 2026-04-01 through 2026-06-30. View: Product and Service by Timing of Transfer of Good or Service. Revenue uses this breakdown; costs and expenses retain the consolidated categories. - **Revenue**: 57,787,000 US dollars - **Cost of revenue**: 20,949,000 US dollars - **Gross profit**: 36,838,000 US dollars - **Total operating expenses**: 8,375,000 US dollars - **Operating income**: 28,463,000 US dollars - **Other income (expense), net (calculated)**: 2,963,000 US dollars - **Income before income taxes**: 31,426,000 US dollars - **Income tax expense**: 8,157,000 US dollars - **Net income**: 23,269,000 US dollars - **Other Technology Services - Point in Time**: 0 US dollars - **Other Technology Services - Over Time**: 2,701,000 US dollars - **Claim Services - Point in Time**: 45,000 US dollars - **Claim Services - Over Time**: 6,699,000 US dollars - **Underwriting and Management Services - Point in Time**: 26,572,000 US dollars - **Underwriting and Management Services - Over Time**: 21,770,000 US dollars - **Selling, general and administrative**: 5,788,000 US dollars - **Research and development**: 2,440,000 US dollars - **Depreciation and amortization**: 147,000 US dollars ### Chart connections - Revenue less cost of revenue equals gross profit; gross profit less operating expenses equals operating income. - Operating income plus other income or expense equals income before tax. Income before tax less income tax expense or benefit equals net income. ## Chart details: Revenue by Product and Service - Page: https://plicit.ai/financials/xzo/fy2026-q2-income-statement/revenue-by-product-and-service - Chart image: https://plicit.ai/charts/xzo-fy2026-q2-revenue-by-product-and-service-sankey.png Income statement for 2026-04-01 through 2026-06-30. View: Product and service (Summary of Revenue Disaggregated by Service Type and by Timing of Revenue). Revenue uses this breakdown; costs and expenses retain the consolidated categories. - **Revenue**: 57,787,000 US dollars - **Cost of revenue**: 20,949,000 US dollars - **Gross profit**: 36,838,000 US dollars - **Total operating expenses**: 8,375,000 US dollars - **Operating income**: 28,463,000 US dollars - **Other income (expense), net (calculated)**: 2,963,000 US dollars - **Income before income taxes**: 31,426,000 US dollars - **Income tax expense**: 8,157,000 US dollars - **Net income**: 23,269,000 US dollars - **Underwriting and Management Services**: 48,342,000 US dollars - **Claim Services**: 6,744,000 US dollars - **Other Technology Services**: 2,701,000 US dollars - **Selling, general and administrative**: 5,788,000 US dollars - **Research and development**: 2,440,000 US dollars - **Depreciation and amortization**: 147,000 US dollars ### Chart connections - Revenue less cost of revenue equals gross profit; gross profit less operating expenses equals operating income. - Operating income plus other income or expense equals income before tax. Income before tax less income tax expense or benefit equals net income. ## Chart details: Revenue by Timing of Transfer - Page: https://plicit.ai/financials/xzo/fy2026-q2-income-statement/revenue-by-timing-of-transfer - Chart image: https://plicit.ai/charts/xzo-fy2026-q2-revenue-by-timing-of-transfer-sankey.png Income statement for 2026-04-01 through 2026-06-30. View: Timing of Transfer of Good or Service. Revenue uses this breakdown; costs and expenses retain the consolidated categories. - **Revenue**: 57,787,000 US dollars - **Cost of revenue**: 20,949,000 US dollars - **Gross profit**: 36,838,000 US dollars - **Total operating expenses**: 8,375,000 US dollars - **Operating income**: 28,463,000 US dollars - **Other income (expense), net (calculated)**: 2,963,000 US dollars - **Income before income taxes**: 31,426,000 US dollars - **Income tax expense**: 8,157,000 US dollars - **Net income**: 23,269,000 US dollars - **Point in Time**: 26,617,000 US dollars - **Over Time**: 31,170,000 US dollars - **Selling, general and administrative**: 5,788,000 US dollars - **Research and development**: 2,440,000 US dollars - **Depreciation and amortization**: 147,000 US dollars ### Chart connections - Revenue less cost of revenue equals gross profit; gross profit less operating expenses equals operating income. - Operating income plus other income or expense equals income before tax. Income before tax less income tax expense or benefit equals net income. ## Chart details: Revenue by Product and Service (2) - Page: https://plicit.ai/financials/xzo/fy2026-q2-income-statement/revenue-by-product-and-service-2 - Chart image: https://plicit.ai/charts/xzo-fy2026-q2-revenue-by-product-and-service-2-sankey.png Income statement for 2026-04-01 through 2026-06-30. View: Product and service (Summary of Underwriting Management and Claims Services Revenue). Revenue uses this breakdown; costs and expenses retain the consolidated categories. - **Revenue**: 57,787,000 US dollars - **Cost of revenue**: 20,949,000 US dollars - **Gross profit**: 36,838,000 US dollars - **Total operating expenses**: 8,375,000 US dollars - **Operating income**: 28,463,000 US dollars - **Other income (expense), net (calculated)**: 2,963,000 US dollars - **Income before income taxes**: 31,426,000 US dollars - **Income tax expense**: 8,157,000 US dollars - **Net income**: 23,269,000 US dollars - **Underwriting, Management and Claims Services**: 51,514,000 US dollars - **Other Technology Services**: 2,701,000 US dollars - **Claim Services**: 6,744,000 US dollars - **Selling, general and administrative**: 5,788,000 US dollars - **Research and development**: 2,440,000 US dollars - **Depreciation and amortization**: 147,000 US dollars - **Revenue before reconciliation (calculated)**: 60,959,000 US dollars. Sum of the reported revenue categories before the separately reported reconciliation. - **Components above reported revenue (calculated)**: negative 3,172,000 US dollars. The disclosed components add up to more than reported revenue; this is the difference, calculated, not a reported item. ### Chart connections - Revenue less cost of revenue equals gross profit; gross profit less operating expenses equals operating income. - Operating income plus other income or expense equals income before tax. Income before tax less income tax expense or benefit equals net income. - Reported revenue categories plus the separately reported signed reconciliation equals consolidated revenue.