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Exzeo GroupXZO +1.52%39 Gross Margin % is 63.75% as of Jun. 2026, which is 115% above its 10-year median of 29.64. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 57 Insurance companies, Exzeo Group ranks better than 70.18% on this metric.
Warren Buffett believes that firms with excellent long term economics tend to have consistently higher margins.
Durable competitive advantage creates a high Gross Margin % because of the freedom to price in excess of cost. Companies can be categorized by their Gross Margin %
1. Greater than 40% = Durable competitive advantage
2. Less than 40% = Competition eroding margins
3. Less than 20% = no sustainable competitive advantage
Consistency of Gross Margin is key
Exzeo Group had a gross margin of 63.75% for the quarter that ended in Jun. 2026 => Durable competitive advantage
Be Aware
If a company loses its competitive advantages, usually its gross margin declines well before its sales declines. Watching Gross Margin % and Operating Margin % closely helps avoid value trap situations.
Exzeo Group Gross Margin % Related Terms
Exzeo Group Gross Margin % Historical Data
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The historical data trend for Exzeo Group's Gross Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XZO vs IGIC, PLGO, SUND: Gross Margin % Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Gross Margin %, along with its competitors' market caps and Gross Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Exzeo Group Gross Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Gross Margin % distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Gross Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
A positive Gross Profit is only the first step for a company to make a net profit. The gross profit needs to be big enough to also cover related labor, equipment, rental, marketing/advertising, research and development and a lot of other costs in selling the products.
Exzeo Group (XZO) has a Gross Margin % of 63.75% as of Jun. 2026. Gross margin is the ratio of total gross profit to net sales. View historical data on Exzeo Group and its competitors. This is 115% above median its historical median of 29.64. According to the industry distribution chart, Exzeo Group ranks #17 out of 57 companies in the Insurance industry, placing it in the top 29.8%.
Is Exzeo Group's Gross Margin % too high?
Exzeo Group's current Gross Margin % of 63.75% is 115% above median its 10-year median of 29.64. The Insurance industry median Gross Margin % is 42.38. Exzeo Group's value of 63.75% is 50.4% above this industry median. Based on the distribution chart, Exzeo Group ranks #17 out of 57 companies in the Insurance industry, which is above the industry midpoint. Overall, Exzeo Group has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Exzeo Group's Gross Margin % compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #17 out of 57 companies for Gross Margin %. This puts Exzeo Group in the upper half of its industry. The industry median Gross Margin % is 42.38. Exzeo Group's value of 63.75% is 50.4% above this benchmark. While the company's 10-year median is 29.64 vs. the industry median of 42.38, Exzeo Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Gross Margin % for an Insurance company?
The median Gross Margin % among Insurance companies is 42.38, based on 57 companies in the industry. Companies in the top quartile (top 25%) have a Gross Margin % significantly above this median, while those in the bottom quartile fall well below. However, Gross Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Gross Margin % of 63.75% is 50.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Gross Margin % mean?
A high Gross Margin % can signal that a stock is expensive relative to its fundamentals. Gross margin is the ratio of total gross profit to net sales. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Gross Margin % is 42.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Gross Margin % is 63.75%, which is 115% above median its own 10-year median of 29.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exzeo Group stock overvalued right now?
Exzeo Group (XZO) has a current Gross Margin % of 63.75%. The current Gross Margin % is 63.75%, which is 115% above median its 10-year median of 29.64 and 50.4% above the Insurance industry median of 42.38. Exzeo Group's overall GF Score™ is 39/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Gross Margin % calculated?
Gross Margin % is calculated from a company's financial statements. For Exzeo Group (XZO), the current Gross Margin % is 63.75% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Exzeo Group Inc provides turnkey insurance technology and operations solutions to insurance carriers and their agents based on a proprietary platform of purpose-built software and data analytics applications that are specifically designed for the property and casualty, or P&C, insurance ecosystem. Its Insurance-as-a-Service (IaaS) platform, which it refers to as the Exzeo Platform, currently includes nine configurable software and data analytics applications that are purpose-built to serve insurance companies and other customers in the insurance value chain. Through the Exzeo Platform, the company provides technology-based solutions and services for all operational and administrative activities and functions needed by P&C insurance carriers and their agents.
39GF Score
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