Growth Metrics

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

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DateValue
Mar 31, 2026 45.28%
Dec 31, 2025 20.40%
Mar 31, 2025 36.26%
Dec 31, 2024 43.27%