Exzeo Group Inc 2026年季度报告

(Mark One)☒QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the quarterly period ended March 31, 2026 OR ☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF1934 For the transition period from toCommission File Number:001-42937 Exzeo Group, Inc.(Exact name of registrant as specified in its charter) Florida(State or other jurisdiction of incorporation or organization)1000 Century Park DriveTampa, FL(Address of principal executive offices) Registrant's telephone number, including area code: (813) 776-1000 Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject tosuch filing requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required tosubmit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company,or an emerging growth company. See the definitions of "large accelerated filer," "accelerated filer," "smaller reporting company," and "emerginggrowth company" in Rule 12b-2 of the Exchange Act. Accelerated filer☐Smaller reporting company☐Emerging growth company☒ Large accelerated filer☐Non-accelerated filer☒ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying withany new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☒ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ As of May 1, 2026, the registrant had 90,918,430 shares of common stock, $0.001 par value per share, outstanding. EXPLANATORY NOTE Exzeo Group, Inc. (the “Company”) is filing this Amendment No. 1 on Form 10‑Q/A (this “Amendment”) to the Quarterly Reporton Form 10‑Q for the quarter ended March 31, 2026, as originally filed with the Securities and Exchange Commission on May 7,2026 (“Original Filing”). This Amendment is being filed to revise certain disclosures in Management’s Discussion and Analysis ofFinancial Condition and Results of Operations (Item 2 of Part I). These revisions relate solely to the presentation of tabulardisclosures for the “Cost of Revenue,” “Operating Expenses,” “Investment Income,” “Income Tax,” “Adjusted EBITDA,”“Adjusted Revenue” and “Adjusted EBITDA Margin” set forth in that section of the Original Filing, as the contents of such tablesin the Original Filing inadvertently included incorrect information due to a technical issue. No changes have been made to theCompany’s financial statements or the notes thereto, as contained in the Original Filing. In accordance with Rule 12b-15 under the Securities Exchange Act of 1934, this Amendment sets forth the complete text of Item 2as amended. In addition, as required by Rule 12b-15 of the Securities and Exchange Act of 1934, as amended (the “ExchangeAct”), new certifications by the Company’s principal executive officer and principal financial officer are filed herewith as exhibitsto this Amendment, under Item 6 hereof, pursuant to Rule 13a-14(a) or 15d-14(a) of the Exchange Act. Because this Amendmentdoes not include or amend disclosures under Items 307 or 308 of Regulation S-K, paragraphs 4 and 5 of the certifications have beenomitted. Other than as expressly set forth herein, this Amendment does not, and does not purport to, amend, update or restate theinformation in the Original Filing or reflect any events that have occurred after the Original Filing was made. Information notaffected by this Amendment remains unchanged and reflects the disclosures made at the time as of which the Original Filing wasmade. Accordingly, this Amendment should be read together with the Original Filing and the Company’s other filings with theSEC. Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations. The following discussion and analysis of our financial condition and results of operations should be read in conjunction with ourunaudited interim Consolidated Financial Statements and the related notes included elsewhere in this Quarterly Report on Form10-Q ("Quarterly Report") and in our Annual Report on Form 10-K for the fiscal year ended December 31, 2025 filed with the SECon February 26, 2026 ("2025 Annual Report"). This section is intended to provide management’s perspective on our financialperfo