Exzeo (XZO) Gross Margin (2024 - 2026)

Exzeo (XZO) posted Gross Margin of 58.96% for Q1 2026, down 5.17% sequentially from 62.17% in Q4 2025, and up 396.0% YoY from 11.89% in Q1 2025.

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

Exzeo has reported Gross Margin for 3 years, with the latest figure at 58.96% in Q1 2026.

Quarterly Gross Margin rose 396.0% year-over-year to 58.96% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 59.41% (changed N/A YoY) and the FY2025 annual result came in at 60.38%, up 2066.0% from the prior year.
Gross Margin eased to 58.96% in Q1 2026 per XZO's latest filing, from 62.17% in the prior quarter.
Over five years, Gross Margin peaked at 62.17% in Q4 2025 and troughed at 38.2% in Q3 2024.
A 3-year average of 52.93% and a median of 56.98% in 2025 frame the typical range for Gross Margin.
The sharpest annual moves came in 2025 and 2026: Gross Margin surged 2302 bps in 2025, then soared 396 bps in 2026.
Over 3 years, Gross Margin stood at 42.0% in 2024, then jumped by 48 bps to 62.17% in 2025, then slipped by 5 bps to 58.96% in 2026.
According to Business Quant data, Gross Margin over the past three periods registered 58.96%, 62.17%, and 61.22% for Q1 2026, Q4 2025, and Q3 2025 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Gross Margin (Qtr)
1	Berkshire Hathaway	1,070.84 Bn	743.86 Bn	55.86 Bn	54.87%
2	Sun Life Financial	43.38 Bn	32.15 Bn	-	-
3	American International	40.15 Bn	2.33 Bn	3.50 Bn	49.41%
4	Hartford Insurance	37.52 Bn	21.20 Bn	3.18 Bn	43.81%
5	Arch Capital	34.10 Bn	32.99 Bn	2.47 Bn	52.96%
6	Aegon	28.26 Bn	28.26 Bn	-	-
7	Pelagos Insurance Capital	2.02 Bn	1.57 Bn	357.40 Mn	54.98%
8	Exzeo	1.42 Bn	1.29 Bn	36.84 Mn	63.75%
9	International General Insurance Holdings	1.14 Bn	901.84 Mn	-5.60 Mn	-32.00%
10	Waterdrop	359.74 Mn	230.42 Mn	109.06 Mn	60.56%

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