Exzeo (XZO) Operating Margin (2024 - 2026)

Exzeo's (XZO) quarterly Operating Margin came in at 4.52% in Q1 2026, up 376.0% year-on-year from 0.95% in Q1 2025, and up 104.31% quarter-over-quarter from 105.06% in Q4 2025.

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

Exzeo has disclosed Operating Margin across 3 years of filings, most recently posting 4.52% for Q1 2026.

  • Operating Margin for Q1 2026 came in at 4.52%, up 376.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 11.95% (changed N/A YoY), and the FY2025 annual result was 10.67%, down 1771.0% from the prior year.
  • Operating Margin came in at 4.52% for Q1 2026 at Exzeo, up from 105.06% in the prior quarter.
  • In the past five years, Operating Margin ranged from a high of 49.4% in Q3 2025 to a low of 105.06% in Q4 2025.
  • The 3-year median for Operating Margin is 2.64% (2025), against an average of 2.45%.
  • Peak annual rise in Operating Margin reached 4872 bps in 2025, while the deepest fall reached 14005 bps in 2025.
  • Exzeo's Operating Margin stood at 34.98% in 2024, then tumbled by 400 bps to 105.06% in 2025, then soared by 104 bps to 4.52% in 2026.
  • The last three Operating Margin figures came in at 4.52% (Q1 2026), 105.06% (Q4 2025), and 49.4% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 American International 39.85 Bn 1.02 Bn 2.60 Bn 11.73%
2 Hartford Insurance 35.40 Bn 26.34 Bn 2.15 Bn 12.03%
3 Arch Capital 32.21 Bn 31.30 Bn 4.02 Bn 13.51%
4 Brookfield Wealth Solutions 9.95 Bn -3.21 Bn 4.62 Bn 163.95%
5 FIHL 2.04 Bn 2.04 Bn - -
6 International General Insurance Holdings 1.03 Bn 811.79 Mn 111.10 Mn 12.68%
7 Waterdrop 632.07 Mn 560.72 Mn 129.34 Mn 5.94%
8 Sun Life Financial 48.32 Mn -8.02 Bn - -
9 Exzeo 1.16 Mn -230.22 Mn 32.74 Mn 4.52%
10 Aegon 5,067.42 5,067.42 - -

Historic Data

Download Data
DateValue
Mar 31, 2026 4.52%
Dec 31, 2025 -105.06%
Sep 30, 2025 49.40%
Mar 31, 2025 0.76%
Dec 31, 2024 34.98%
Sep 30, 2024 0.68%