Exzeo (XZO) Net Margin (2024 - 2026)

Exzeo (XZO) posted Net Margin of 36.75% for Q1 2026, down 6.25% sequentially from 39.19% in Q4 2025, and up 249.0% YoY from 10.53% in Q1 2025.

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

Exzeo has reported Net Margin for 3 years, with the latest figure at 36.75% in Q1 2026.

Quarterly Net Margin rose 249.0% year-over-year to 36.75% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 37.18% (changed N/A YoY) and the FY2025 annual result came in at 38.14%, up 1188.0% from the prior year.
Net Margin slipped to 36.75% in Q1 2026 per XZO's latest filing, from 39.19% in the prior quarter.
Over five years, Net Margin peaked at 39.19% in Q4 2025 and troughed at 18.06% in Q3 2024.
A 3-year average of 32.14% and a median of 35.5% in 2025 frame the typical range for Net Margin.
The sharpest annual moves came in 2025 and 2026: Net Margin jumped 2028 bps in 2025, then jumped 249 bps in 2026.
Over 3 years, Net Margin stood at 26.27% in 2024, then surged by 49 bps to 39.19% in 2025, then dropped by 6 bps to 36.75% in 2026.
According to Business Quant data, Net Margin over the past three periods registered 36.75%, 39.19%, and 38.34% for Q1 2026, Q4 2025, and Q3 2025 respectively.

#	Company	Market Cap	Enterprise Value	Gross Profit (Qtr)	Net Margin (Qtr)
1	Berkshire Hathaway	1,070.84 Bn	743.86 Bn	55.86 Bn	25.31%
2	Sun Life Financial	43.38 Bn	32.15 Bn	-	-
3	American International	40.15 Bn	2.33 Bn	3.50 Bn	13.38%
4	Hartford Insurance	37.52 Bn	21.20 Bn	3.18 Bn	17.80%
5	Arch Capital	34.10 Bn	32.99 Bn	2.47 Bn	22.43%
6	Aegon	28.26 Bn	28.26 Bn	-	-369.83%
7	Pelagos Insurance Capital	2.02 Bn	1.57 Bn	357.40 Mn	6.83%
8	Exzeo	1.42 Bn	1.29 Bn	36.84 Mn	40.27%
9	International General Insurance Holdings	1.14 Bn	901.84 Mn	-5.60 Mn	3,778.86%
10	Waterdrop	359.74 Mn	230.42 Mn	109.06 Mn	7.89%

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