Exzeo (XZO) Gross Margin (2024 - 2026)
Exzeo's (XZO) quarterly Gross Margin came in at 58.96% in Q1 2026, up 396.0% year-on-year from 11.89% in Q1 2025, and down 9.86% quarter-over-quarter from 65.41% in Q4 2025.
Exzeo (XZO) Gross Margin (2024 - 2026) Analysis & Trends
Exzeo has disclosed Gross Margin across 3 years of filings, most recently posting 58.96% for Q1 2026.
- Gross Margin for Q1 2026 came in at 58.96%, up 396.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 60.17% (changed N/A YoY), and the FY2025 annual result 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.
- The 3-year median for Gross Margin is 56.98% (2025), against an average of 53.47%.
- Across the five-year window, Gross Margin jumped 2341 bps in 2025 and jumped 396 bps in 2026, its largest moves.
- Exzeo's Gross Margin stood at 42.0% in 2024, then surged by 56 bps to 65.41% in 2025, then slipped by 10 bps to 58.96% in 2026.
- The last three Gross Margin figures came in at 58.96% (Q1 2026), 65.41% (Q4 2025), and 61.22% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.85 Bn | 1.02 Bn | 2.60 Bn | 42.77% |
| 2 | Hartford Insurance | 35.40 Bn | 26.34 Bn | 2.15 Bn | 34.94% |
| 3 | Arch Capital | 32.21 Bn | 31.30 Bn | 4.02 Bn | 88.98% |
| 4 | Brookfield Wealth Solutions | 9.95 Bn | -3.21 Bn | 4.62 Bn | 151.38% |
| 5 | FIHL | 2.04 Bn | 2.04 Bn | - | - |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 111.10 Mn | 99.91% |
| 7 | Waterdrop | 632.07 Mn | 560.72 Mn | 129.34 Mn | 64.09% |
| 8 | Sun Life Financial | 48.32 Mn | -8.02 Bn | - | - |
| 9 | Exzeo | 1.16 Mn | -230.22 Mn | 32.74 Mn | 58.96% |
| 10 | Aegon | 5,067.42 | 5,067.42 | - | - |
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% |