Exzeo Group, Inc.
For the period ended Sep 30, 2026. Filed Nov 5, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2026 · Filed Nov 5, 2026
XZO$16.50+1.3%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Financial Statements (Unaudited)Consolidated Balance Sheets
Consolid ated Balance Sheets
| September 30, | December 31, | |
|---|---|---|
| (in thousands, except share and per share amounts) | 2026 | 2025 |
| Assets: | ||
| Current assets: | ||
| Cash and cash equivalents | $116,404 | $305,372 |
| Accounts receivable | 1,496 | 2,906 |
| Receivables from related parties | 15,294 | 11,295 |
| Prepaid expense | 2,473 | 1,483 |
| Current contract cost assets | 5,221 | 4,722 |
| Other current assets | 3,424 | 43 |
| Total current assets | 144,312 | 325,821 |
| Non-current assets: | ||
| Fixed-maturity securities, available-for-sale, at fair value (amortized cost: $243,196 and $0, respectively, and allowance for credit losses: $0 and $0, respectively) | 233,779 | — |
| Property and equipment, net | 9,298 | 10,662 |
| Operating lease right-of-use assets | 5,945 | 6,884 |
| Non-current contract cost assets | 275 | 1,118 |
| Deferred income taxes, net | 3,588 | 2,975 |
| Other assets | 297 | 274 |
| Total non-current assets | 253,182 | 21,913 |
| Total assets | $397,494 | $347,734 |
| Liabilities and Shareholders' Equity: | ||
| Current liabilities: | ||
| Current contract liabilities | $74,101 | $70,893 |
| Commissions payable | 4,077 | 4,605 |
| Accounts payable and accrued liabilities | 11,752 | 2,950 |
| Operating lease liabilities | 2,504 | 2,413 |
| Income taxes payable | 370 | 2,455 |
| Payables to related parties | 1,358 | 1,073 |
| Total current liabilities | 94,162 | 84,389 |
| Non-current liabilities: | ||
| Non-current contract liabilities | 721 | 3,567 |
| Operating lease liabilities | 3,806 | 4,832 |
| Other liabilities | 702 | 790 |
| Total non-current liabilities | 5,229 | 9,189 |
| Total liabilities | 99,391 | 93,578 |
| Commitments and contingencies (Note 16) | ||
| Shareholders' equity: | ||
| Common stock ($0.001 par value, 350,000,000 shares authorized, 89,715,825 and 90,926,720 shares issued and outstanding as of September 30, 2026 and December 31, 2025, respectively) | 90 | 91 |
| Additional paid-in capital | 213,634 | 228,647 |
| Retained earnings | 91,438 | 25,418 |
| Accumulated other comprehensive loss | (7,059) | — |
| Total shareholders' equity | 298,103 | 254,156 |
| Total liabilities and shareholders' equity | $397,494 | $347,734 |
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