Exzeo (XZO) Gross Margin (2024 - 2026)
Exzeo recorded quarterly Gross Margin of 58.96% in Q1 2026, down 9.86% quarter-over-quarter from 65.41% in Q4 2025, and up 396.0% year-over-year from 11.89% in Q1 2025.
Exzeo's Gross Margin history runs 3 years deep, the most recent figure standing at 58.96% for Q1 2026.
- In Q1 2026, Gross Margin rose 396.0% year-over-year to 58.96%; the TTM figure through Mar 2026 stood at 60.17% (changed N/A YoY), while the FY2025 annual figure was 60.38%, up 2066.0% from the prior year.
- Gross Margin came in at 58.96% for Q1 2026 at Exzeo, down from 65.41% in the prior quarter.
- In the past five years, Gross Margin ranged from a high of 65.41% in Q4 2025 to a low of 38.2% in Q3 2024.
- A 3-year average of 53.47% and a median of 56.98% in 2025 frame the typical range for Gross Margin.
- Across the five-year window, Gross Margin surged 2341 bps in 2025 and surged 396 bps in 2026, its largest moves.
- Exzeo's Gross Margin stood at 42.0% in 2024, then soared by 56 bps to 65.41% in 2025, then dropped by 10 bps to 58.96% in 2026.
- According to Business Quant data, Gross Margin over the past three periods registered 58.96%, 65.41%, and 61.22% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.62 Bn | 784.91 Mn | 2.60 Bn | 42.77% |
| 2 | Hartford Insurance | 34.97 Bn | 25.91 Bn | 2.15 Bn | 34.94% |
| 3 | Aegon | 34.55 Bn | 34.55 Bn | - | - |
| 4 | Arch Capital | 31.37 Bn | 30.45 Bn | 4.02 Bn | 88.98% |
| 5 | Fidelis Insurance Holdings | 2.04 Bn | 2.04 Bn | 386.80 Mn | 63.35% |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 70.90 Mn | 56.40% |
| 7 | Waterdrop | 762.05 Mn | 690.71 Mn | 129.34 Mn | 64.09% |
| 8 | Exzeo | 1.28 Mn | -230.11 Mn | 32.74 Mn | 58.96% |
| 9 | Sun Life Financial | 43.53 | -7.92 Bn | - | - |
| 10 | Sun Life Financial | - | - | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 58.96% |
| Dec 31, 2025 | 65.41% |
| Sep 30, 2025 | 61.22% |
| Mar 31, 2025 | 55.00% |
| Dec 31, 2024 | 42.00% |
| Sep 30, 2024 | 38.20% |