Summary Verdict
EVTC: 2—APPF: 3wins
Rule of 40
32.1EVTC
46.3APPF
check_circleAPPF leads
Revenue Growth
10.2%EVTC
21.5%APPF
check_circleAPPF leads
Gross Margin
100%EVTC
84%APPF
check_circleEVTC leads
FCF Margin
21.9%EVTC
24.8%APPF
check_circleAPPF leads
Operating Margin
20.0%EVTC
15.8%APPF
check_circleEVTC leads
NRR
—EVTC
—APPF
Metric
Rule of 40Efficiency score
EVTC
32.1
APPF
46.3check_circle
Revenue GrowthYoY
EVTC
10.2%
APPF
21.5%check_circle
Gross Margin% of revenue
EVTC
100%check_circle
APPF
84%
FCF MarginFree cash flow
EVTC
21.9%
APPF
24.8%check_circle
Operating MarginGAAP
EVTC
20.0%check_circle
APPF
15.8%
NRRNet retention
EVTC
N/A
APPF
N/A
EV / RevenueValuation multiple
EVTC
N/A
APPF
6.3x
Market CapUSD
EVTC
N/A
APPF
$6.1B
ARR GrowthYoY
EVTC
N/A
APPF
N/A
CAC PaybackMonths to recover
EVTC
N/A
APPF
N/A
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insights
Analysis
As of Q4 2025, EVERTEC, Inc. trades at N/A EV/Revenue versus AppFolio, Inc. at 6.3x. On the Rule of 40, EVERTEC, Inc. scores 32.1 compared to AppFolio, Inc.'s 46.3, placing AppFolio, Inc. ahead in operating efficiency. Gross margins stand at EVERTEC, Inc. 100% vs AppFolio, Inc. 84%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.