As far as i have read, the battery degradation is biggest in the first part of the battery's life.
So in the beginning it will lose more % than later on, this unfortunately makes it seem like the battery is getting worse a lot, but it should taper off.
I also read that some manufacturers reserve a bit of capacity to combat this.
Most cars have a nominal and a usable figure, this is to ensure the battery is not really ever charged to 100% when the GOM reads 100% and not at 0% when the GOM says 0%, but if they reserve a bit "extra", say 1kWh, they might be able to "release" this as the battery degrades. This is done to "mask" the degradation as it is, more in the beginning.
So i would guess, since the ZS EV reports a SoH that is lower than expected for a vehicle of that age and miles driven that the figure you get is either
1. Because you get real degradation, without the extra energy having been factored in.
2. The ZS EV does not have any built in "spare" energy to release.
That being said, 90% after 4 years does not seem THAT far off of what one could reasonably expect.
But at the end of the day, the degradation is the sum of how the battery was "treated":
1. How often was it charged to 100%
2. How often was it driven to near 0%
3. How often was it charged at a DC fast charger
4. How is the car driven, lead foot makes current drawn larger.
5. Often pulling something heavy on the trailer hitch (Not really relevant here though)