Exzeo (XZO) FCF Margin (2024 - 2026)
Exzeo's (XZO) quarterly FCF Margin came in at 45.28% in Q1 2026, up 902.0% year-on-year from 4.52% in Q1 2025, and up 121.92% quarter-over-quarter from 20.4% in Q4 2025.
Exzeo (XZO) FCF Margin (2024 - 2026) Analysis & Trends
Exzeo has disclosed FCF Margin across 3 years of filings, most recently posting 45.28% for Q1 2026.
- FCF Margin for Q1 2026 came in at 45.28%, up 902.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 25.43% (changed N/A YoY), and the FY2025 annual result 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.
- The 3-year median for FCF Margin is 39.77% (2024), against an average of 36.3%.
- Across the five-year window, FCF Margin tumbled 2287 bps in 2025 and soared 902 bps in 2026, its largest moves.
- Exzeo's FCF Margin stood at 43.27% in 2024, then plunged by 53 bps to 20.4% in 2025, then jumped by 122 bps to 45.28% in 2026.
- The last three FCF Margin figures came in at 45.28% (Q1 2026), 20.4% (Q4 2025), and 36.26% (Q1 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.85 Bn | 1.02 Bn | 2.60 Bn | 2.55% |
| 2 | Hartford Insurance | 35.40 Bn | 26.34 Bn | 2.15 Bn | 16.50% |
| 3 | Arch Capital | 32.21 Bn | 31.30 Bn | 4.02 Bn | 26.10% |
| 4 | Brookfield Wealth Solutions | 9.95 Bn | -3.21 Bn | 4.62 Bn | - |
| 5 | FIHL | 2.04 Bn | 2.04 Bn | - | - |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 111.10 Mn | - |
| 7 | Waterdrop | 632.07 Mn | 560.72 Mn | 129.34 Mn | - |
| 8 | Sun Life Financial | 48.32 Mn | -8.02 Bn | - | - |
| 9 | Exzeo | 1.16 Mn | -230.22 Mn | 32.74 Mn | 45.28% |
| 10 | Aegon | 5,067.42 | 5,067.42 | - | - |
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% |