Exzeo Group, Inc. (XZO)
NYSE: XZO · Real-Time Price · USD
18.23
+0.52 (2.94%)
Dec 5, 2025, 4:00 PM EST - Market closed
Exzeo Group Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '20 Dec 31, 2020 | Dec '19 Dec 31, 2019 |
| Net Income | 56.57 | 45.32 | 21.46 | -59.32 | -12.42 | -6.91 |
| Depreciation & Amortization | 2.53 | 2.36 | 2.2 | 1.69 | 1.1 | 0.68 |
| Gain (Loss) on Sale of Investments | - | - | - | - | 0.07 | -0.42 |
| Stock-Based Compensation | 3.45 | 3.38 | 2.93 | 3.51 | 1.77 | 0.95 |
| Change in Accounts Receivable | - | - | - | - | -2.36 | -4.41 |
| Reinsurance Recoverable | - | - | - | - | 0.03 | 0.53 |
| Change in Accounts Payable | 3.22 | 0.44 | 0.61 | -0.65 | - | - |
| Change in Unearned Revenue | 38.2 | 15.5 | 4.65 | 22.63 | 28.57 | 29.98 |
| Change in Income Taxes | 6.23 | 4.22 | -2.49 | -1.89 | 0.89 | -0.68 |
| Change in Insurance Reserves / Liabilities | - | - | - | - | 14.58 | 3.76 |
| Change in Other Net Operating Assets | -16.07 | -4.36 | -4.96 | -2.19 | 1.32 | 13.12 |
| Other Operating Activities | -24.82 | -17.6 | -14.24 | 22.22 | -0.08 | 2.66 |
| Operating Cash Flow | 216.68 | 191.91 | 59.37 | -16.76 | 30.38 | 33.09 |
| Operating Cash Flow Growth | - | 223.25% | - | - | -8.19% | - |
| Capital Expenditures | -2.78 | -3.33 | -3.25 | -3.45 | -1.49 | -2.45 |
| Investment in Securities | - | - | - | - | -1.02 | 1.72 |
| Other Investing Activities | -189.19 | -189.19 | -13.35 | -238.37 | - | - |
| Investing Cash Flow | -191.97 | -192.52 | -16.6 | -241.82 | -2.51 | -0.74 |
| Short-Term Debt Issued | - | - | - | - | 22 | - |
| Long-Term Debt Issued | - | 100 | - | 17.99 | - | - |
| Total Debt Issued | - | 100 | - | 17.99 | 22 | - |
| Total Debt Repaid | -2.99 | -2.99 | -0.01 | -0.01 | -0.01 | -0.01 |
| Net Debt Issued (Repaid) | -2.99 | 97.01 | -0.01 | 17.98 | 21.99 | -0.01 |
| Issuance of Common Stock | - | - | - | - | 0.01 | 5 |
| Repurchases of Common Stock | -0.39 | -0.48 | -0.35 | -0.41 | - | - |
| Repurchases of Preferred Stock | - | -100 | - | - | - | - |
| Preferred Dividends Paid | - | -2.92 | -6.76 | -5.51 | - | - |
| Total Dividends Paid | - | -2.92 | -6.76 | -5.51 | - | - |
| Other Financing Activities | - | - | - | 17.99 | -0.01 | - |
| Financing Cash Flow | -3.38 | -6.4 | -7.12 | 30.06 | 21.99 | 4.99 |
| Foreign Exchange Rate Adjustments | -0.15 | -0.09 | -0.04 | -0.1 | 0 | -0.02 |
| Net Cash Flow | 21.18 | -7.09 | 35.61 | -228.62 | 49.86 | 37.33 |
| Free Cash Flow | 213.89 | 188.58 | 56.12 | -20.22 | 28.9 | 30.64 |
| Free Cash Flow Growth | - | 236.01% | - | - | -5.69% | - |
| Free Cash Flow Margin | 116.43% | 140.21% | 63.50% | -44.28% | 55.86% | 140.36% |
| Free Cash Flow Per Share | 2.72 | 2.43 | 0.74 | -0.27 | 0.39 | 0.41 |
| Cash Interest Paid | 3.47 | 3.47 | 1.68 | 0.8 | 0 | 0 |
| Cash Income Tax Paid | 14.26 | 14.26 | 0.87 | 0.78 | 0.15 | 0.11 |
| Levered Free Cash Flow | - | -11.18 | - | - | 10.37 | - |
| Unlevered Free Cash Flow | - | -9.09 | - | - | 10.37 | - |
| Change in Working Capital | 31.58 | 15.8 | -2.2 | 17.9 | 39.95 | 36.13 |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.