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
DateValue
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%