Exzeo (XZO) EBT Margin (2024 - 2026)

Exzeo's (XZO) quarterly EBT Margin came in at 49.68% in Q1 2026, up 351.0% year-on-year from 11.01% in Q1 2025, and down 8.21% quarter-over-quarter from 54.12% in Q4 2025.

Exzeo (XZO) EBT Margin (2024 - 2026) Analysis & Trends

Exzeo has disclosed EBT Margin across 3 years of filings, most recently posting 49.68% for Q1 2026.

  • EBT Margin for Q1 2026 came in at 49.68%, up 351.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 50.36% (changed N/A YoY), and the FY2025 annual result was 50.83%, up 2452.0% from the prior year.
  • EBT Margin came in at 49.68% for Q1 2026 at Exzeo, down from 54.12% in the prior quarter.
  • In the past five years, EBT Margin ranged from a high of 54.12% in Q4 2025 to a low of 23.74% in Q3 2024.
  • The 3-year median for EBT Margin is 47.92% (2026), against an average of 43.42%.
  • Across the five-year window, EBT Margin jumped 2765 bps in 2025 and jumped 351 bps in 2026, its largest moves.
  • Exzeo's EBT Margin stood at 35.43% in 2024, then soared by 53 bps to 54.12% in 2025, then retreated by 8 bps to 49.68% in 2026.
  • The last three EBT Margin figures came in at 49.68% (Q1 2026), 54.12% (Q4 2025), and 51.4% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBT Margin (Qtr)
1 American International 39.85 Bn 1.02 Bn 2.60 Bn 16.25%
2 Hartford Insurance 35.40 Bn 26.34 Bn 2.15 Bn 17.20%
3 Arch Capital 32.21 Bn 31.30 Bn 4.02 Bn 24.53%
4 Brookfield Wealth Solutions 9.95 Bn -3.21 Bn 4.62 Bn -0.92%
5 FIHL 2.04 Bn 2.04 Bn - -
6 International General Insurance Holdings 1.03 Bn 811.79 Mn 111.10 Mn 19.78%
7 Waterdrop 632.07 Mn 560.72 Mn 129.34 Mn 8.53%
8 Sun Life Financial 48.32 Mn -8.02 Bn - -
9 Exzeo 1.16 Mn -230.22 Mn 32.74 Mn 49.68%
10 Aegon 5,067.42 5,067.42 - -

Historic Data

Download Data
DateValue
Mar 31, 2026 49.68%
Dec 31, 2025 54.12%
Sep 30, 2025 51.40%
Mar 31, 2025 46.17%
Dec 31, 2024 35.43%
Sep 30, 2024 23.74%