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
DateValue
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%