GWRE vs XZO
GWRE: Guidewire is the cloud-based software platform that property and casualty insurers depend on to manage policy, claims, and billing operations combined with AI-powered digital engagement and analytics capabilities. XZO: Exzeo is a managing general agent and InsurTech platform providing underwriting, policy administration, and claims services for property and casualty insurance, primarily serving related insurance entities.
Side-by-side fundamentals
| Metric | GWRE | XZO | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $133.97 | $15.88 | |
| Market cap as of 2026-07-23 | $11.9B | $1.4B | |
| P/E as of 2026-07-23 | 74.24 | 13.76 | XZO lower |
| PEG as of 2026-07-23 | 0.21 | n/a | |
| Net margin as of 2026-07-23 | +11.3% | +37.9% | XZO higher |
| Gross margin as of 2026-07-23 | +64.0% | +60.1% | GWRE higher |
| Operating margin as of 2026-07-23 | +8.2% | +48.1% | XZO higher |
| ROE as of 2026-07-23 | +11.0% | +62.1% | XZO higher |
| ROA as of 2026-07-23 | +6.0% | +38.5% | XZO higher |
| Debt / equity as of 2026-07-23 | 0.51 | 0.00 | XZO lower |
| Revenue growth (YoY) as of 2026-07-23 | +24.9% | +19.7% | GWRE higher |
| Revenue CAGR (3y) SEC XBRL | +14.0% | +56.7% | XZO higher |
| Beta as of 2026-07-23 | 0.93 | 6.75 | |
| 1-year return as of 2026-07-22 close | -35.9% | -34.8% | XZO higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.