Exzeo (XZO) Net Margin (2024 - 2026)
Exzeo's (XZO) quarterly Net Margin came in at 36.75% in Q1 2026, up 249.0% year-on-year from 10.53% in Q1 2025, and down 10.89% quarter-over-quarter from 41.23% in Q4 2025.
Exzeo (XZO) Net Margin (2024 - 2026) Analysis & Trends
Exzeo has disclosed Net Margin across 3 years of filings, most recently posting 36.75% for Q1 2026.
- Net Margin for Q1 2026 came in at 36.75%, up 249.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 37.65% (changed N/A YoY), and the FY2025 annual result was 38.14%, up 1188.0% from the prior year.
- Net Margin came in at 36.75% for Q1 2026 at Exzeo, down from 41.23% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 41.23% in Q4 2025 to a low of 18.06% in Q3 2024.
- The 3-year median for Net Margin is 35.5% (2025), against an average of 32.48%.
- Across the five-year window, Net Margin surged 2028 bps in 2025 and surged 249 bps in 2026, its largest moves.
- Exzeo's Net Margin stood at 26.27% in 2024, then soared by 57 bps to 41.23% in 2025, then slipped by 11 bps to 36.75% in 2026.
- The last three Net Margin figures came in at 36.75% (Q1 2026), 41.23% (Q4 2025), and 38.34% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.85 Bn | 1.02 Bn | 2.60 Bn | 12.57% |
| 2 | Hartford Insurance | 35.40 Bn | 26.34 Bn | 2.15 Bn | 13.85% |
| 3 | Arch Capital | 32.21 Bn | 31.30 Bn | 4.02 Bn | 22.94% |
| 4 | Brookfield Wealth Solutions | 9.95 Bn | -3.21 Bn | 4.62 Bn | -2.52% |
| 5 | FIHL | 2.04 Bn | 2.04 Bn | - | - |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 111.10 Mn | 20.05% |
| 7 | Waterdrop | 632.07 Mn | 560.72 Mn | 129.34 Mn | 11.49% |
| 8 | Sun Life Financial | 48.32 Mn | -8.02 Bn | - | - |
| 9 | Exzeo | 1.16 Mn | -230.22 Mn | 32.74 Mn | 36.75% |
| 10 | Aegon | 5,067.42 | 5,067.42 | - | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 36.75% |
| Dec 31, 2025 | 41.23% |
| Sep 30, 2025 | 38.34% |
| Mar 31, 2025 | 34.25% |
| Dec 31, 2024 | 26.27% |
| Sep 30, 2024 | 18.06% |