Summary Verdict
XZO: 5—ACIW: 0wins
Rule of 40
108.2XZO
28.0ACIW
check_circleXZO leads
Revenue Growth
62.0%XZO
10.4%ACIW
check_circleXZO leads
Gross Margin
60%XZO
49%ACIW
check_circleXZO leads
FCF Margin
46.2%XZO
17.6%ACIW
check_circleXZO leads
Operating Margin
48.9%XZO
18.8%ACIW
check_circleXZO leads
NRR
—XZO
—ACIW
Metric
Rule of 40Efficiency score
XZO
108.2check_circle
ACIW
28.0
Revenue GrowthYoY
XZO
62.0%check_circle
ACIW
10.4%
Gross Margin% of revenue
XZO
60%check_circle
ACIW
49%
FCF MarginFree cash flow
XZO
46.2%check_circle
ACIW
17.6%
Operating MarginGAAP
XZO
48.9%check_circle
ACIW
18.8%
NRRNet retention
XZO
N/A
ACIW
N/A
EV / RevenueValuation multiple
XZO
N/A
ACIW
N/A
Market CapUSD
XZO
N/A
ACIW
N/A
ARR GrowthYoY
XZO
N/A
ACIW
N/A
CAC PaybackMonths to recover
XZO
N/A
ACIW
N/A
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insights
Analysis
As of Q4 2025, Exzeo Group, Inc. trades at N/A EV/Revenue versus ACI WORLDWIDE, INC. at N/A. On the Rule of 40, Exzeo Group, Inc. scores 108.2 compared to ACI WORLDWIDE, INC.'s 28.0, placing Exzeo Group, Inc. ahead in operating efficiency. Gross margins stand at Exzeo Group, Inc. 60% vs ACI WORLDWIDE, INC. 49%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.