Summary Verdict
XZO: 4—APPF: 1wins
Rule of 40
108.2XZO
46.3APPF
check_circleXZO leads
Revenue Growth
62.0%XZO
21.5%APPF
check_circleXZO leads
Gross Margin
60%XZO
84%APPF
check_circleAPPF leads
FCF Margin
46.2%XZO
24.8%APPF
check_circleXZO leads
Operating Margin
48.9%XZO
15.8%APPF
check_circleXZO leads
NRR
—XZO
—APPF
Metric
Rule of 40Efficiency score
XZO
108.2check_circle
APPF
46.3
Revenue GrowthYoY
XZO
62.0%check_circle
APPF
21.5%
Gross Margin% of revenue
XZO
60%
APPF
84%check_circle
FCF MarginFree cash flow
XZO
46.2%check_circle
APPF
24.8%
Operating MarginGAAP
XZO
48.9%check_circle
APPF
15.8%
NRRNet retention
XZO
N/A
APPF
N/A
EV / RevenueValuation multiple
XZO
N/A
APPF
6.3x
Market CapUSD
XZO
N/A
APPF
$6.1B
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 Q4 2025, Exzeo Group, Inc. trades at N/A EV/Revenue versus AppFolio, Inc. at 6.3x. On the Rule of 40, Exzeo Group, Inc. scores 108.2 compared to AppFolio, Inc.'s 46.3, placing Exzeo Group, Inc. ahead in operating efficiency. Gross margins stand at Exzeo Group, Inc. 60% 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.