Exzeo Group (XZO) Balance Sheet: Assets & Liabilities

Exzeo Group (XZO) Balance Sheet

As of Dec 31, 2025 (end of fiscal 2025), Exzeo Group reported total assets of $347.73M and total liabilities of $93.58M. Shareholders' equity was $254.16M, up 1539.0% from $15.51M a year earlier. Total debt stood at $7.25M against $305.37M in cash and short-term investments, a net cash position of $298.13M. That puts debt-to-equity at 0.03, compared with 0.54 a year earlier.

Exzeo Group Balance Sheet Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Balance sheet showing assets, liabilities, and shareholders' equity for Exzeo Group, Inc. (XZO) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2020	Dec 2019
Current Assets
Cash and Cash Equivalents	305.37	54.50	15.06	-	99.73	51.86
Short-Term Investments	0.00	0.00	0.00	-	41.95	19.73
Cash & Short-Term Investments	305.37	54.50	15.06	-	143.67	71.59
Accounts Receivable	2.91	5.68	9.13	-	15.47	5.37
Inventory	0.00	0.00	0.00	-	0.00	0.00
Other Current Assets	0.04	10.15	-24.18	-	17.85	9.76
Total Current Assets	325.82	67.23	0.00	-	177.09	86.86
Non-Current Assets
Property, Plant & Equipment (Net)	17.55	18.80	17.36	-	6.37	6.40
Long-Term Investments	0.00	0.00	0.00	-	20.97	19.73
Other Non-Current Assets	0.27	0.28	-17.92	-	2.92	0.98
Total Non-Current Assets	21.91	0.00	0.00	-	0.00	0.00
Total Assets	347.73	89.44	625.01	-	157.58	94.23
Current Liabilities
Accounts Payable	7.56	7.03	0.00	-	33.19	0.00
Short-Term Debt	2.41	2.13	1.74	-	0.00	0.00
Accrued Liabilities	4.61	4.86	4.90	-	8.54	3.57
Deferred Revenue	70.89	0.00	0.00	-	134.15	38.50
Other Current Liabilities	73.35	47.21	-1.74	-	64.42	4.77
Total Current Liabilities	84.39	56.38	0.00	-	240.30	46.84
Non-Current Liabilities
Long-Term Debt	4.83	6.22	58.15	-	22.00	0.74
Deferred Tax Liabilities	0.00	2.32	1.16	-	4.44	3.29
Other Non-Current Liabilities	0.79	11.34	-105.43	-	39.13	29.69
Total Non-Current Liabilities	9.19	17.56	0.00	-	61.76	30.43
Total Liabilities	93.58	73.93	554.71	-	302.06	77.27
Stockholders' Equity
Common Stock	0.09	0.08	0.08	-	0.15	16.82
Retained Earnings	25.42	-57.33	-92.50	-	-9.82	16.82
Accumulated Other Comprehensive Income	0.00	0.00	-1.80	-	0.77	0.14
Additional Paid-in Capital	228.65	72.76	68.93	-	11.00	0.00
Shares Outstanding	90.93	-	-	-	-	-
Total Stockholders' Equity	254.16	15.51	70.87	-	6.55	16.96
Total Liabilities & Equity	347.73	89.64	625.57	-	160.77	96.23

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Exzeo Group Balance Sheet

How much debt does Exzeo Group have?

Exzeo Group had total debt of $7.25M as of Dec 31, 2025, against $305.37M in cash and short-term investments. Its debt-to-equity ratio was 0.03. Total debt was $8.35M a year earlier.

What are Exzeo Group's total assets?

Exzeo Group reported total assets of $347.73M as of Dec 31, 2025, up 288.8% from $89.44M a year earlier. Total liabilities were $93.58M.

What is Exzeo Group's shareholders' equity?

Exzeo Group's shareholders' equity was $254.16M as of Dec 31, 2025, or about $2.80 of book value per share.

What is the debt-to-equity ratio?

The debt-to-equity ratio divides a company's total debt by its shareholders' equity. It shows how much of the business is financed with borrowed money; normal levels vary widely by industry. Full definition