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Exzeo GroupXZO +1.52%39 Operating Margin % is 49.26% as of Jun. 2026, which is 215% above its 10-year median of 15.64. GuruFocus rates XZO with a GF Score™ of 39/100. The stock has 2 warning signs investors should review. Among 64 Insurance companies, Exzeo Group ranks better than 96.87% on this metric.
Operating Margin % is calculated as Operating Income divided by its Revenue. Exzeo Group's Operating Income for the
three
months ended in Jun. 2026 was $28.5 Mil. Exzeo Group's Revenue for the
three
months ended in Jun. 2026 was $57.8 Mil. Therefore, Exzeo Group's Operating Margin % for the quarter that ended in Jun. 2026 was 49.26%.
The historical rank and industry rank for Exzeo Group's Operating Margin % or its related term are showing as below:
XZO'
s Operating Margin % Range Over the Past 10 Years
Min: -82.74 Med: 15.64 Max: 48.85
Current: 48.51
XZO's Operating Margin % is ranked better than 96.87% of 64
companies
in the Insurance industry
Industry Median: 8.385
vs XZO: 48.51
Exzeo Group's 5-Year Average Operating Margin % Growth Rate was 0.00% per year.
Exzeo Group's Operating Income for the
three
months ended in Jun. 2026 was $28.5 Mil.
Its Operating Income for the trailing twelve months (TTM) ended in Jun. 2026 was $107.6 Mil.
Exzeo Group (NYSE:XZO) Operating Margin % Explanation
Just like Gross Margin %, it is important to see a company maintains its operating margin over time. Among the same industry, a company with higher operating margin is more efficient in its operation. It is also more stable during industry slowdown or recessions. Peter Lynch prefers those with higher margins than those with lower margins.
Be Aware
Operating Margin % can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).
If a company is facing competition, its Operating Margin % may decline. Often the Operating Margin % declines well before the company's Revenue or even profit decline. Therefore, Operating Margin % is a very important indicator of whether the company is facing problems.
For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokias Operating Margin % had already been in decline since 2002, although its Earnings per Share (Diluted) were still rising. Investors who paid attention to Operating Margin % would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).
Therefore, Operating Margin % is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.
Exzeo Group Operating Margin % Related Terms
Exzeo Group Operating Margin % Historical Data
* Premium members only.
The historical data trend for Exzeo Group's Operating 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: Operating Margin % Comparison
For the Insurance - Diversified subindustry, Exzeo Group's Operating Margin %, along with its competitors' market caps and Operating 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 Operating Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Exzeo Group's Operating Margin % distribution charts can be found below:
* The bar in red indicates where Exzeo Group's Operating Margin % falls into.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
Exzeo Group's Operating Margin % for the fiscal year that ended in Dec. 2025 is calculated as
* 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.
Exzeo Group (XZO) has a Operating Margin % of 49.26% as of Jun. 2026. Operating margin is the ratio of total operating income to net sales. View historical data on Exzeo Group and its competitors. This is 215% above median its historical median of 15.64. According to the industry distribution chart, Exzeo Group ranks #2 out of 64 companies in the Insurance industry, placing it in the top 3.1%.
Is Exzeo Group's Operating Margin % too high?
Exzeo Group's current Operating Margin % of 49.26% is 215% above median its 10-year median of 15.64. The Insurance industry median Operating Margin % is 8.39. Exzeo Group's value of 49.26% is 487.5% above this industry median. Based on the distribution chart, Exzeo Group ranks #2 out of 64 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Operating Margin % compare to IGIC and PLGO?
According to the Insurance industry distribution chart, Exzeo Group ranks #2 out of 64 companies for Operating Margin %. This places Exzeo Group in the top 3% of its industry — outperforming the majority of peers. The industry median Operating Margin % is 8.39. Exzeo Group's value of 49.26% is 487.5% above this benchmark. While the company's 10-year median is 15.64 vs. the industry median of 8.39, 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 Operating Margin % for an Insurance company?
The median Operating Margin % among Insurance companies is 8.39, based on 64 companies in the industry. Companies in the top quartile (top 25%) have a Operating Margin % significantly above this median, while those in the bottom quartile fall well below. However, Operating Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Exzeo Group's current Operating Margin % of 49.26% is 487.5% 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 Operating Margin % mean?
A high Operating Margin % can signal that a stock is expensive relative to its fundamentals. Operating margin is the ratio of total operating income to net sales. View historical data on Exzeo Group and its competitors. For the Insurance industry, the median Operating Margin % is 8.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Exzeo Group's current Operating Margin % is 49.26%, which is 215% above median its own 10-year median of 15.64. 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 Operating Margin % of 49.26%. The current Operating Margin % is 49.26%, which is 215% above median its 10-year median of 15.64 and 487.5% above the Insurance industry median of 8.39. 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 Operating Margin % calculated?
Operating Margin % is calculated from a company's financial statements. For Exzeo Group (XZO), the current Operating Margin % is 49.26% 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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