Exzeo Group, Inc. is classed by the SEC under Services-Prepackaged Software (industry code 7372), based in Tampa, FL. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $217 million and a profit of $83 million (its filed statements).
Subscription businessServices-Prepackaged SoftwareTampa, FLfilings since 20217 of 9 filed, 2 estimated
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a subscription business: prior from its industry code (SEC 7372, Services-Prepackaged Software); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.8 out of ten, 7 of 9 metrics filed and 2 estimated: past 6.6 out of ten, present 7.5 out of ten, future 6.2 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 7.3 out of ten. No warning events in its filings since 2021. 73rd percentile among 230 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 8.2 out of ten. +56.7% a year over 3 filed years; profitable in 3 of 3. 82nd percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 4.0 out of ten. Share count grew 2.6% a year. 1% of cash flow returned. Insiders: 0 sales, 73 purchases. 40th percentile among 152 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.7 out of ten. ROE 33%: 33¢ of profit per shareholder dollar. Leverage 27%: owes 27¢ per asset dollar. 67th percentile among 217 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 7.5 out of ten. top 25% of 218 in its family; net margin 38.1%. 75th percentile among 218 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 9.1 out of ten. CrossAssetData estimate 9.1/10, confidence 35 of 100 (one part). 91st percentile among 168 sector filers. A CrossAssetData estimate, not a filed reading: one part, confidence 35 of 100; a filing that carries the missing parts replaces this estimate with the filed reading.
Room to expand (future): 6.0 out of ten. top 40% of 216 in its family for room to expand. 60th percentile among 216 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 7.1 out of ten. top 29% of 213 in its family for growth drivers. 71st percentile among 213 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.1 out of ten. CrossAssetData estimate 5.1/10, confidence 20 of 100 (family median). 50th percentile among 194 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 10-K filed 2026-02-26 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-06 (on EDGAR). Newest filing: Form 8-K, 2026-08-14. Filings on record since 2021. Read from EDGAR 2026-10-12.
Where the revenue comes from
Product and service lines in fiscal 2025: Underwriting and Management Services 81%, Claim Services 14%, Technology Service 4%. As tagged in its annual report (Form 10-K, filed 2026-02-26).
Who runs it
Patel, Paresh (Chief Executive Officer); Mitchell, Kevin Andrew (President); Bulku, Suela (Chief Financial Officer); Baker, Brook Armstrong (General Counsel); Macchiarola, James J (director); Lopes, Robert A. Jr. (director); Hurst, Irene (director); Spencer, Loreen M (director). 8 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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