Exzeo (XZO) EBT Margin (2024 - 2026)
Exzeo recorded quarterly EBT Margin of 49.68% in Q1 2026, down 8.21% quarter-over-quarter from 54.12% in Q4 2025, and up 351.0% year-over-year from 11.01% in Q1 2025.
Exzeo's EBT Margin history runs 3 years deep, the most recent figure standing at 49.68% for Q1 2026.
- In Q1 2026, EBT Margin rose 351.0% year-over-year to 49.68%; the TTM figure through Mar 2026 stood at 50.36% (changed N/A YoY), while the FY2025 annual figure 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.
- A 3-year average of 43.42% and a median of 47.92% in 2026 frame the typical range for EBT Margin.
- Across the five-year window, EBT Margin surged 2765 bps in 2025 and surged 351 bps in 2026, its largest moves.
- Exzeo's EBT Margin stood at 35.43% in 2024, then jumped by 53 bps to 54.12% in 2025, then decreased by 8 bps to 49.68% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 49.68%, 54.12%, and 51.4% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.62 Bn | 784.91 Mn | 2.60 Bn | 16.25% |
| 2 | Hartford Insurance | 34.97 Bn | 25.91 Bn | 2.15 Bn | 17.20% |
| 3 | Aegon | 34.55 Bn | 34.55 Bn | - | - |
| 4 | Arch Capital | 31.37 Bn | 30.45 Bn | 4.02 Bn | 24.53% |
| 5 | Fidelis Insurance Holdings | 2.04 Bn | 2.04 Bn | 386.80 Mn | 16.89% |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 70.90 Mn | 17.50% |
| 7 | Waterdrop | 762.05 Mn | 690.71 Mn | 129.34 Mn | 8.53% |
| 8 | Exzeo | 1.28 Mn | -230.11 Mn | 32.74 Mn | 49.68% |
| 9 | Sun Life Financial | 43.53 | -7.92 Bn | - | - |
| 10 | Sun Life Financial | - | - | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |