Exzeo (XZO) EBITDA Margin (2024 - 2026)
Exzeo's (XZO) quarterly EBITDA Margin came in at 4.52% in Q1 2026, up 376.0% year-on-year from 0.95% in Q1 2025, and up 104.31% quarter-over-quarter from 105.06% in Q4 2025.
Exzeo (XZO) EBITDA Margin (2024 - 2026) Analysis & Trends
Exzeo has disclosed EBITDA Margin across 3 years of filings, most recently posting 4.52% for Q1 2026.
- EBITDA Margin for Q1 2026 came in at 4.52%, up 376.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 11.95% (changed N/A YoY), and the FY2025 annual result was 10.67%, down 1771.0% from the prior year.
- EBITDA Margin came in at 4.52% for Q1 2026 at Exzeo, up from 105.06% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 49.4% in Q3 2025 to a low of 105.06% in Q4 2025.
- The 3-year median for EBITDA Margin is 2.64% (2025), against an average of 2.45%.
- Peak annual rise in EBITDA Margin reached 4872 bps in 2025, while the deepest fall reached 14005 bps in 2025.
- Exzeo's EBITDA Margin stood at 34.98% in 2024, then tumbled by 400 bps to 105.06% in 2025, then soared by 104 bps to 4.52% in 2026.
- The last three EBITDA Margin figures came in at 4.52% (Q1 2026), 105.06% (Q4 2025), and 49.4% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.85 Bn | 1.02 Bn | 2.60 Bn | 11.73% |
| 2 | Hartford Insurance | 35.40 Bn | 26.34 Bn | 2.15 Bn | 12.03% |
| 3 | Arch Capital | 32.21 Bn | 31.30 Bn | 4.02 Bn | 13.51% |
| 4 | Brookfield Wealth Solutions | 9.95 Bn | -3.21 Bn | 4.62 Bn | 163.95% |
| 5 | FIHL | 2.04 Bn | 2.04 Bn | - | - |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 111.10 Mn | 12.68% |
| 7 | Waterdrop | 632.07 Mn | 560.72 Mn | 129.34 Mn | 7.11% |
| 8 | Sun Life Financial | 48.32 Mn | -8.02 Bn | - | - |
| 9 | Exzeo | 1.16 Mn | -230.22 Mn | 32.74 Mn | 4.52% |
| 10 | Aegon | 5,067.42 | 5,067.42 | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 4.52% |
| Dec 31, 2025 | -105.06% |
| Sep 30, 2025 | 49.40% |
| Mar 31, 2025 | 0.76% |
| Dec 31, 2024 | 34.98% |
| Sep 30, 2024 | 0.68% |