Exzeo Group, Inc. (XZO) FY2026 YTD Q2 P&L / Income Statement

Revenue by Product and Service by Timing of Transfer

2026-01-01 to 2026-06-30

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Exzeo Group, Inc. (XZO) FY2026 YTD Q2 P&L / Income StatementIncome statement for 2026-01-01 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.SOURCESREVENUEGROSSOPERATINGPRE-TAXNETUnderwriting and Management Services - Point in TimeUnderwriting and Management Services - Over TimeClaim Services - Over TimeClaim Services - Point in TimeOther Technology Services - Over TimeRevenueGross profitCost of revenueOperating incomeTotal operating expensesSelling, general and administrativeResearch and developmentDepreciation and amortizationOther income (expense), net (calculated)Income before income taxesNet incomeIncome tax expenseOther income (expense), net (calculated)Other income,net (calculated)$5.48 MIncome before income taxesPretax income$59.01 MRevenueRevenue$113.32 MGross profitGross profit$69.58 MOperating incomeOperating income$53.54 MNet incomeNet income$43.68 MUnderwriting and Management Services - Point in TimeUnderwriting and ManagementServices - Point in Time$51.60 MTotal operating expensesTotal operatingexpenses$16.04 MIncome tax expenseIncome tax expense$15.34 MUnderwriting and Management Services - Over TimeUnderwriting and ManagementServices - Over Time$42.67 MCost of revenueCost of revenue$43.74 MSelling, general and administrativeSelling, general and administrative$11.00 MResearch and developmentResearch and development$4.75 MClaim Services - Over TimeClaim Services - Over Time$13.53 MDepreciation and amortizationDepreciation and amortization$293.00 KClaim Services - Point in TimeClaim Services - Point in Time$109.00 KOther Technology Services - Over TimeOther TechnologyServices - Over Time$5.42 M
Chart details

Exzeo Group, Inc. (XZO) FY2026 YTD Q2 P&L / Income Statement

Income statement for 2026-01-01 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
113,321,000 US dollars
Cost of revenue
43,740,000 US dollars
Gross profit
69,581,000 US dollars
Total operating expenses
16,043,000 US dollars
Operating income
53,538,000 US dollars
Other income (expense), net (calculated)
5,475,000 US dollars
Income before income taxes
59,013,000 US dollars
Income tax expense
15,338,000 US dollars
Net income
43,675,000 US dollars
Other Technology Services - Point in Time
0 US dollars
Other Technology Services - Over Time
5,416,000 US dollars
Claim Services - Point in Time
109,000 US dollars
Claim Services - Over Time
13,526,000 US dollars
Underwriting and Management Services - Point in Time
51,603,000 US dollars
Underwriting and Management Services - Over Time
42,667,000 US dollars
Selling, general and administrative
11,004,000 US dollars
Research and development
4,746,000 US dollars
Depreciation and amortization
293,000 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.
Exzeo Group, Inc. (XZO) FY2026 YTD Q2 P&L / Income Statement Sankey chart, Product and service — Product and Service by Timing of Transfer of Good or Service view
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Gross margin

61.4%

Gross profit / revenue

Operating margin

47.2%

Operating profit / revenue

Cash conversion

93.6%

Operating cash / net income, same period

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