ACI WORLDWIDE, INC. vs Exzeo Group, Inc.
Side-by-Side SaaS Metrics & Valuation Comparison
analyticsVertical SaaS
Data as of Q2 2026
Summary Verdict
ACIW: 0—XZO: 5wins
Rule of 40
26.1ACIW
112.3XZO
check_circleXZO leads
Revenue Growth
9.1%ACIW
67.7%XZO
check_circleXZO leads
Gross Margin
46%ACIW
61%XZO
check_circleXZO leads
FCF Margin
17.0%ACIW
44.7%XZO
check_circleXZO leads
Operating Margin
15.2%ACIW
48.5%XZO
check_circleXZO leads
NRR
—ACIW
—XZO
Metric
Rule of 40Efficiency score
ACIW
26.1
XZO
112.3check_circle
Revenue GrowthYoY
ACIW
9.1%
XZO
67.7%check_circle
Gross Margin% of revenue
ACIW
46%
XZO
61%check_circle
FCF MarginFree cash flow
ACIW
17.0%
XZO
44.7%check_circle
Operating MarginGAAP
ACIW
15.2%
XZO
48.5%check_circle
NRRNet retention
ACIW
N/A
XZO
N/A
EV / RevenueValuation multiple
ACIW
3.5xcheck_circle
XZO
6.5x
Market CapUSD
ACIW
$5.4Bcheck_circle
XZO
$1.5B
ARR GrowthYoY
ACIW
N/A
XZO
N/A
CAC PaybackMonths to recover
ACIW
N/A
XZO
N/A
insights
Analysis
As of Q2 2026, ACI WORLDWIDE, INC. trades at 3.5x EV/Revenue versus Exzeo Group, Inc. at 6.5x. On the Rule of 40, ACI WORLDWIDE, INC. scores 26.1 compared to Exzeo Group, Inc.'s 112.3, placing Exzeo Group, Inc. ahead in operating efficiency. Gross margins stand at ACI WORLDWIDE, INC. 46% vs Exzeo Group, Inc. 61%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.