Exzeo (XZO) Net Margin (2024 - 2026)
Exzeo recorded quarterly Net Margin of 36.75% in Q1 2026, down 10.89% quarter-over-quarter from 41.23% in Q4 2025, and up 249.0% year-over-year from 10.53% in Q1 2025.
Exzeo's Net Margin history runs 3 years deep, the most recent figure standing at 36.75% for Q1 2026.
- In Q1 2026, Net Margin rose 249.0% year-over-year to 36.75%; the TTM figure through Mar 2026 stood at 37.65% (changed N/A YoY), while the FY2025 annual figure 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.
- A 3-year average of 32.48% and a median of 35.5% in 2025 frame the typical range for Net Margin.
- Across the five-year window, Net Margin soared 2028 bps in 2025 and soared 249 bps in 2026, its largest moves.
- Exzeo's Net Margin stood at 26.27% in 2024, then jumped by 57 bps to 41.23% in 2025, then dropped by 11 bps to 36.75% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 36.75%, 41.23%, and 38.34% for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | American International | 39.62 Bn | 784.91 Mn | 2.60 Bn | 12.57% |
| 2 | Hartford Insurance | 34.97 Bn | 25.91 Bn | 2.15 Bn | 13.85% |
| 3 | Aegon | 34.55 Bn | 34.55 Bn | - | - |
| 4 | Arch Capital | 31.37 Bn | 30.45 Bn | 4.02 Bn | 22.94% |
| 5 | Fidelis Insurance Holdings | 2.04 Bn | 2.04 Bn | 386.80 Mn | 16.08% |
| 6 | International General Insurance Holdings | 1.03 Bn | 811.79 Mn | 70.90 Mn | 17.26% |
| 7 | Waterdrop | 762.05 Mn | 690.71 Mn | 129.34 Mn | 11.49% |
| 8 | Exzeo | 1.28 Mn | -230.11 Mn | 32.74 Mn | 36.75% |
| 9 | Sun Life Financial | 43.53 | -7.92 Bn | - | - |
| 10 | Sun Life Financial | - | - | - | - |
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% |