Exzeo (XZO) EBT Margin (2024 - 2026)

Exzeo (XZO) posted EBT Margin of 49.68% for Q1 2026, down 3.55% sequentially from 51.51% in Q4 2025, and up 351.0% YoY from 11.01% in Q1 2025.

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

Exzeo has reported EBT Margin for 3 years, with the latest figure at 49.68% in Q1 2026.

Quarterly EBT Margin rose 351.0% year-over-year to 49.68% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 49.74% (changed N/A YoY) and the FY2025 annual result came in at 50.83%, up 2452.0% from the prior year.
EBT Margin declined to 49.68% in Q1 2026 per XZO's latest filing, from 51.51% in the prior quarter.
Over five years, EBT Margin peaked at 51.51% in Q4 2025 and troughed at 23.74% in Q3 2024.
A 3-year average of 42.99% and a median of 47.92% in 2026 frame the typical range for EBT Margin.
The sharpest annual moves came in 2025 and 2026: EBT Margin soared 2765 bps in 2025, then soared 351 bps in 2026.
Over 3 years, EBT Margin stood at 35.43% in 2024, then jumped by 45 bps to 51.51% in 2025, then declined by 4 bps to 49.68% in 2026.
According to Business Quant data, EBT Margin over the past three periods registered 49.68%, 51.51%, and 51.4% for Q1 2026, Q4 2025, and Q3 2025 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	EBT Margin (Qtr)
1	Berkshire Hathaway	1,071.26 Bn	744.28 Bn	55.86 Bn	31.49%
2	Sun Life Financial	43.76 Bn	32.52 Bn	-	-
3	American International	40.44 Bn	2.63 Bn	3.50 Bn	17.84%
4	Hartford Insurance	37.42 Bn	21.11 Bn	3.18 Bn	16.95%
5	Arch Capital	34.28 Bn	33.17 Bn	2.47 Bn	25.17%
6	Aegon	28.09 Bn	28.09 Bn	-	-66.03%
7	Pelagos Insurance Capital	2.03 Bn	1.58 Bn	357.40 Mn	8.14%
8	Exzeo	1.47 Bn	1.33 Bn	36.84 Mn	54.38%
9	International General Insurance Holdings	1.15 Bn	911.58 Mn	-5.60 Mn	120.00%
10	Waterdrop	359.77 Mn	230.46 Mn	109.06 Mn	8.74%

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