Exzeo (XZO) FCF Margin (2024 - 2026)

Exzeo (XZO) posted FCF Margin of 45.28% for Q1 2026, up 133.47% sequentially from 19.39% in Q4 2025, and up 902.0% YoY from 4.52% in Q1 2025.

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

Exzeo has reported FCF Margin for 3 years, with the latest figure at 45.28% in Q1 2026.

Quarterly FCF Margin rose 902.0% year-over-year to 45.28% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 25.1% (changed N/A YoY) and the FY2025 annual result came in at 44.91%, up 1062.0% from the prior year.
FCF Margin improved to 45.28% in Q1 2026 per XZO's latest filing, from 19.39% in the prior quarter.
Over five years, FCF Margin peaked at 45.28% in Q1 2026 and troughed at 19.39% in Q4 2025.
A 3-year average of 36.05% and a median of 39.77% in 2024 frame the typical range for FCF Margin.
The sharpest annual moves came in 2025 and 2026: FCF Margin slumped 2388 bps in 2025, then surged 902 bps in 2026.
Over 3 years, FCF Margin stood at 43.27% in 2024, then tumbled by 55 bps to 19.39% in 2025, then surged by 133 bps to 45.28% in 2026.
According to Business Quant data, FCF Margin over the past three periods registered 45.28%, 19.39%, and 36.26% for Q1 2026, Q4 2025, and Q1 2025 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	FCF Margin (Qtr)
1	Berkshire Hathaway	1,070.84 Bn	743.86 Bn	55.86 Bn	5.47%
2	Sun Life Financial	43.38 Bn	32.15 Bn	-	-
3	American International	40.15 Bn	2.33 Bn	3.50 Bn	24.22%
4	Hartford Insurance	37.52 Bn	21.20 Bn	3.18 Bn	17.95%
5	Arch Capital	34.10 Bn	32.99 Bn	2.47 Bn	28.02%
6	Aegon	28.26 Bn	28.26 Bn	-	-
7	Pelagos Insurance Capital	2.02 Bn	1.57 Bn	357.40 Mn	-4.23%
8	Exzeo	1.42 Bn	1.29 Bn	36.84 Mn	26.31%
9	International General Insurance Holdings	1.14 Bn	901.84 Mn	-5.60 Mn	-
10	Waterdrop	359.74 Mn	230.42 Mn	109.06 Mn	-

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