# Exzeo Group, Inc. (XZO) FY2026 YTD Q2 P&L / Income Statement - Company: Exzeo Group, Inc. (XZO) - Period: 2026-01-01 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-ytd-q2-income-statement - Chart image: https://plicit.ai/charts/xzo-fy2026-ytd-q2-income-statement-sankey.png ## Chart details: Revenue by Product and Service by Timing of Transfer 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. ## Chart details: Revenue by Product and Service - Page: https://plicit.ai/financials/xzo/fy2026-ytd-q2-income-statement/revenue-by-product-and-service - Chart image: https://plicit.ai/charts/xzo-fy2026-ytd-q2-revenue-by-product-and-service-sankey.png Income statement for 2026-01-01 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**: 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 - **Underwriting and Management Services**: 94,270,000 US dollars - **Claim Services**: 13,635,000 US dollars - **Other Technology Services**: 5,416,000 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. ## Chart details: Revenue by Timing of Transfer - Page: https://plicit.ai/financials/xzo/fy2026-ytd-q2-income-statement/revenue-by-timing-of-transfer - Chart image: https://plicit.ai/charts/xzo-fy2026-ytd-q2-revenue-by-timing-of-transfer-sankey.png Income statement for 2026-01-01 through 2026-06-30. View: Timing of Transfer of Good or Service. Revenue uses this breakdown; costs and expenses retain the consolidated categories. - **Revenue**: 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 - **Point in Time**: 51,712,000 US dollars - **Over Time**: 61,609,000 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. ## Chart details: Revenue by Product and Service (2) - Page: https://plicit.ai/financials/xzo/fy2026-ytd-q2-income-statement/revenue-by-product-and-service-2 - Chart image: https://plicit.ai/charts/xzo-fy2026-ytd-q2-revenue-by-product-and-service-2-sankey.png Income statement for 2026-01-01 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**: 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 - **Underwriting, Management and Claims Services**: 102,121,000 US dollars - **Other Technology Services**: 5,416,000 US dollars - **Claim Services**: 13,635,000 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 - **Revenue before reconciliation (calculated)**: 121,172,000 US dollars. Sum of the reported revenue categories before the separately reported reconciliation. - **Components above reported revenue (calculated)**: negative 7,851,000 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.