NYSE$XZO
Exzeo Group Inc · Q1 2026 earnings
Q1 2026 earnings ·
Briefing
Exzeo Group Inc reported revenue growth and higher net income for the first quarter of 2026 driven by managed premium expansion.
Exzeo Group Inc achieved revenue of $55.5 million for the three months ended March 31, 2026, representing a 6% increase year-over-year. Net income rose 13.7% to $20.4 million while operating income grew modestly to $25.1 million. The company continued to expand its platform with managed premium reaching $1.43 billion and maintained strong operational metrics including a net dollar retention rate of 114.8%.
- Revenue increased 6.0% year-over-year to $55.5 million, led by underwriting and management services growth of 6.2%.
- Net income rose 13.7% to $20.4 million with operating margin remaining stable near 45%.
- Managed premium grew to $1.43 billion and managed policies increased to 327,233, reflecting continued platform adoption.
- Free cash flow reached $25.1 million, supported by strong operating cash generation of $25.5 million.
Headline financials
Revenue & EPS history
Exzeo Group Inc · Revenue · Quarterly
$55.5M
Revenue by segment
Exzeo Group Inc · $55.5M total across 3 segments · Q1 2026
- Underwriting and management$45.9M—82.7%
- Claim services$6.89M—12.4%
- Other technology services$2.72M—4.9%
Forward guidance
The company expects continued national expansion and platform scaling while managing customer concentration and regulatory requirements.
Tailwinds
- National expansion into additional states to increase geographic diversification.
- Ongoing investments in data analytics and underwriting algorithms to improve loss ratios.
- Strong customer retention and new carrier onboarding driving managed premium growth.
Headwinds
- Customer concentration risk with a limited number of carriers.
- Potential volatility from catastrophe-related claims and weather events.
- Increased costs associated with operating as a public company.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
+5.5%
Avg return
Earnings day
+0.8%
Avg return
5 days after
+25.2%
Avg return
30 days after
100%
2 / 2 earnings
Positive
+10.7%
Q3 2025
Best reaction
+0.3%
Q1 2026
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.3% | -4.9% | — | |
| Q3 2025 | +10.7% | +6.4% | +25.2% |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro