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| 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% |