Exzeo (XZO) FCF Margin (2024 - 2026)
Exzeo recorded quarterly FCF Margin of 45.28% in Q1 2026, up 121.92% quarter-over-quarter from 20.4% in Q4 2025, and up 902.0% year-over-year from 4.52% in Q1 2025.
Exzeo's FCF Margin history runs 3 years deep, the most recent figure standing at 45.28% for Q1 2026.
- In Q1 2026, FCF Margin rose 902.0% year-over-year to 45.28%; the TTM figure through Mar 2026 stood at 25.43% (changed N/A YoY), while the FY2025 annual figure was 44.91%, up 1062.0% from the prior year.
- FCF Margin came in at 45.28% for Q1 2026 at Exzeo, up from 20.4% in the prior quarter.
- In the past five years, FCF Margin ranged from a high of 45.28% in Q1 2026 to a low of 20.4% in Q4 2025.
- A 3-year average of 36.3% and a median of 39.77% in 2024 frame the typical range for FCF Margin.
- Across the five-year window, FCF Margin slumped 2287 bps in 2025 and jumped 902 bps in 2026, its largest moves.
- Exzeo's FCF Margin stood at 43.27% in 2024, then tumbled by 53 bps to 20.4% in 2025, then surged by 122 bps to 45.28% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 45.28%, 20.4%, and 36.26% for Q1 2026, Q4 2025, and Q1 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.62 Bn | 784.91 Mn | 2.60 Bn | 2.55% |
| 2 | Hartford Insurance | 34.97 Bn | 25.91 Bn | 2.15 Bn | 16.50% |
| 3 | Aegon | 34.55 Bn | 34.55 Bn | - | - |
| 4 | Arch Capital | 31.37 Bn | 30.45 Bn | 4.02 Bn | 26.10% |
| 5 | Fidelis Insurance Holdings | 2.04 Bn | 2.04 Bn | 386.80 Mn | 44.94% |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 70.90 Mn | - |
| 7 | Waterdrop | 762.05 Mn | 690.71 Mn | 129.34 Mn | - |
| 8 | Exzeo | 1.28 Mn | -230.11 Mn | 32.74 Mn | 45.28% |
| 9 | Sun Life Financial | 43.53 | -7.92 Bn | - | - |
| 10 | Sun Life Financial | - | - | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 45.28% |
| Dec 31, 2025 | 20.40% |
| Mar 31, 2025 | 36.26% |
| Dec 31, 2024 | 43.27% |