analyticsVertical SaaS
Data as of Q1 2026
Summary Verdict
XZO: 4—APPF: 1wins
Rule of 40
95.7XZO
33.4APPF
check_circleXZO leads
Revenue Growth
43.5%XZO
21.5%APPF
check_circleXZO leads
Gross Margin
55%XZO
86%APPF
check_circleAPPF leads
FCF Margin
52.2%XZO
11.9%APPF
check_circleXZO leads
Operating Margin
43.1%XZO
16.6%APPF
check_circleXZO leads
NRR
—XZO
—APPF
Metric
Rule of 40Efficiency score
XZO
95.7check_circle
APPF
33.4
Revenue GrowthYoY
XZO
43.5%check_circle
APPF
21.5%
Gross Margin% of revenue
XZO
55%
APPF
86%check_circle
FCF MarginFree cash flow
XZO
52.2%check_circle
APPF
11.9%
Operating MarginGAAP
XZO
43.1%check_circle
APPF
16.6%
NRRNet retention
XZO
N/A
APPF
N/A
EV / RevenueValuation multiple
XZO
6.0xcheck_circle
APPF
6.2x
Market CapUSD
XZO
$1.2B
APPF
$6.0Bcheck_circle
ARR GrowthYoY
XZO
N/A
APPF
N/A
CAC PaybackMonths to recover
XZO
N/A
APPF
N/A
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insights
Analysis
As of Q1 2026, Exzeo Group, Inc. trades at 6.0x EV/Revenue versus AppFolio, Inc. at 6.2x. On the Rule of 40, Exzeo Group, Inc. scores 95.7 compared to AppFolio, Inc.'s 33.4, placing Exzeo Group, Inc. ahead in operating efficiency. Gross margins stand at Exzeo Group, Inc. 55% vs AppFolio, Inc. 86%.
Sector Context
Both companies operate in the Vertical SaaS sector. The median columns above show where each company stands relative to their peers.