XYZ vs TWLO vs ZS
161 measures in 16 categories, one definition each, computed from filings and market data.
Price, rebased to 100 three years ago
XYZ TWLO ZS · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Insider open-market buys, 180d | 0 | 0 | 0 |
| Insider $ bought, 180d | — | — | — |
| Congress purchases, 180d | 0 | 3 | 0 |
| Last Congress purchase | — | 2026-05-04 | — |
| 13F net change in holders | — | +153 | — |
| ETFs adding shares, 30d | 426 | 1,167 | 852 |
| ETFs trimming, 30d | 260 | 863 | 665 |
| Net ETF funds, 30d | +166 | +304 | +187 |
Valuation
16 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| P/E (TTM) | 131.0x
87th
|
32.7x
54th
|
— |
| PEG (P/E ÷ 3-yr EPS CAGR) | — | — | — |
| Price / sales | 1.9x
27th
|
6.7x
70th
|
10.1x
85th
|
| Price / book | 2.1x
14th
|
4.2x
42nd
|
13.0x
84th
|
| Price / tangible book | 5.2x
22nd
|
9.5x
42nd
|
20.8x
68th
|
| Price / free cash flow | 12.0x
32nd
|
33.8x
71st
|
39.7x
76th
|
| Price / operating cash flow | 11.5x
44th
|
34.2x
82nd
|
29.9x
78th
|
| Enterprise value | $41.7B
89th
|
$35.9B
88th
|
$32.2B
85th
|
| EV / sales | 1.7x
19th
|
6.4x
66th
|
9.6x
80th
|
| EV / EBITDA | 29.2x
74th
|
110.9x
90th
|
172.6x
96th
|
| EV / EBIT | 39.8x
71st
|
208.1x
92nd
|
— |
| EV / free cash flow | 10.7x
20th
|
32.4x
69th
|
37.8x
74th
|
| Earnings yield | 0.8%
32nd
|
3.1%
58th
|
-0.2%
19th
|
| FCF yield | 8.3%
72nd
|
3.0%
37th
|
2.5%
32nd
|
| Operating cash flow yield | 8.7%
58th
|
2.9%
21st
|
3.3%
25th
|
| Graham number (per share) | $21.86
64th
|
$95.38
93rd
|
— |
Profitability (TTM)
12 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Gross margin | 46.4%
26th
|
48.5%
28th
|
76.8%
70th
|
| EBITDA margin | 5.7%
19th
|
5.8%
20th
|
5.6%
17th
|
| Operating margin | 8.7%
49th
|
5.5%
38th
|
-4.0%
15th
|
| EBIT margin | 4.2%
31st
|
3.1%
27th
|
-0.2%
19th
|
| Net margin | 1.4%
26th
|
20.6%
78th
|
-1.9%
17th
|
| NOPAT margin | 4.3%
37th
|
36.6%
95th
|
-3.1%
15th
|
| FCF margin | 15.5%
42nd
|
19.9%
57th
|
25.4%
69th
|
| Operating cash flow margin | 16.2%
32nd
|
19.7%
37th
|
33.7%
77th
|
| R&D / revenue | 12.3%
42nd
|
19.0%
62nd
|
26.9%
83rd
|
| SG&A / revenue | 21.0%
28th
|
22.6%
31st
|
53.8%
90th
|
| Stock comp / revenue | 4.8%
37th
|
10.6%
73rd
|
24.5%
96th
|
| Effective tax rate | 50.1%
97th
|
— | 21.0%
48th
|
Returns on capital
11 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| ROE (on average equity) | 1.6%
22nd
|
13.5%
51st
|
-2.9%
13th
|
| ROA | 0.9%
30th
|
11.1%
72nd
|
-0.9%
19th
|
| ROIC | 6.4%
43rd
|
27.6%
75th
|
-10.7%
19th
|
| ROCE | 3.6%
31st
|
1.7%
26th
|
-0.1%
20th
|
| Return on tangible assets | 2.8%
32nd
|
1.7%
26th
|
-0.1%
19th
|
| Cash ROIC (OCF / invested capital) | 23.9%
42nd
|
14.8%
23rd
|
115.3%
79th
|
| Gross profitability (GP / assets) | 29.7%
42nd
|
25.0%
28th
|
32.7%
51st
|
| ROIC, 3-yr average | 6.2%
42nd
|
-8.2%
15th
|
— |
| ROIC, 5-yr average | 5.0%
40th
|
-1.1%
33rd
|
-1.7%
29th
|
| ROE, 5-yr average | 3.0%
57th
|
-3.2%
47th
|
-21.0%
13th
|
| Incremental ROIC | -41.4%
15th
|
212.6%
91st
|
-8.4%
28th
|
Growth
17 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Revenue growth (TTM YoY) | 5.1%
18th
|
17.8%
59th
|
25.4%
78th
|
| Revenue growth (QoQ) | 9.3%
68th
|
6.6%
57th
|
5.6%
49th
|
| Revenue CAGR, 3 yr | 8.3%
37th
|
11.2%
45th
|
27.5%
86th
|
| Revenue CAGR, 5 yr | 9.5%
33rd
|
19.8%
67th
|
37.9%
87th
|
| Gross profit CAGR, 3 yr | 20.7%
70th
|
12.8%
51st
|
27.1%
77th
|
| Operating income CAGR, 3 yr | 69.9%
97th
|
— | — |
| Net income growth (TTM YoY) | -87.9%
2nd
|
— | — |
| Net income CAGR, 3 yr | — | — | — |
| EPS growth (TTM YoY) | -87.7%
2nd
|
— | — |
| EPS CAGR, 3 yr | — | — | — |
| EPS CAGR, 5 yr | -11.8%
0th
|
— | — |
| FCF growth (TTM YoY) | 266.4%
93rd
|
53.2%
67th
|
17.3%
52nd
|
| FCF CAGR, 3 yr | 129.4%
94th
|
— | 36.7%
75th
|
| Operating cash flow CAGR, 3 yr | 105.3%
95th
|
— | 34.7%
70th
|
| Book value CAGR, 3 yr | 7.4%
52nd
|
1.1%
30th
|
48.5%
90th
|
| Dividend CAGR, 3 yr | — | — | — |
| Sustainable growth rate | 1.6%
7th
|
13.5%
44th
|
— |
Margin history & stability
7 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Gross margin, 3-yr average | 40.0%
27th
|
49.0%
31st
|
77.2%
74th
|
| Operating margin, 3-yr average | 7.0%
53rd
|
0.7%
38th
|
-4.8%
23rd
|
| Net margin, 3-yr average | 5.7%
57th
|
2.3%
44th
|
-2.0%
32nd
|
| FCF margin, 3-yr average | 7.4%
25th
|
17.9%
58th
|
26.5%
75th
|
| Revenue stability (0-1) | 0.94
43rd
|
0.96
49th
|
1.00
84th
|
| Earnings stability (0-1) | 0.20
26th
|
0.66
53rd
|
0.69
61st
|
| Margin stability (0-1) | 0.76
13th
|
0.97
69th
|
0.99
100th
|
Liquidity (latest quarter)
7 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Cash & short-term investments | $12.3B
98th
|
$2.7B
81st
|
$3.5B
86th
|
| Net cash (− = net debt) | $5.1B
98th
|
$1.6B
89th
|
$1.6B
90th
|
| Working capital | $12.7B
99th
|
$2.9B
95th
|
$2.1B
90th
|
| Current ratio | 2.21
83rd
|
4.62
91st
|
1.70
69th
|
| Quick ratio | 2.19
84th
|
4.62
91st
|
1.70
70th
|
| Cash ratio (cash + ST investments / current liabilities) | 1.17
65th
|
3.28
90th
|
1.17
67th
|
| Defensive interval (days) | 795 days
73rd
|
520 days
54th
|
623 days
63rd
|
Leverage & solvency (latest quarter)
13 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Total debt | $7.2B
90th
|
$1.1B
64th
|
$1.9B
72nd
|
| Debt / equity | 0.33
46th
|
0.12
33rd
|
0.71
57th
|
| Net debt / equity | −0.23
54th
|
−0.18
57th
|
−0.62
32nd
|
| Debt / assets | 18.3%
42nd
|
9.8%
37th
|
23.6%
46th
|
| Debt / capital | 24.5%
46th
|
10.6%
33rd
|
41.7%
56th
|
| Debt / EBITDA | 5.03
79th
|
3.29
62nd
|
9.95
90th
|
| Net debt / EBITDA | −3.58
23rd
|
−4.91
20th
|
−8.67
10th
|
| Interest coverage (EBIT / interest) | 5.3x
60th
|
— | −0.5x
18th
|
| Cash interest coverage | 20.6x
60th
|
— | 95.8x
85th
|
| Debt payback (years of OCF) | 1.8 yrs
46th
|
1.0 yrs
38th
|
1.6 yrs
44th
|
| Liabilities / assets | 43.8%
30th
|
17.2%
6th
|
67.0%
54th
|
| IS credit model rating | A- | AA | BB+ |
| Implied credit spread (bps) | 175
46th
|
80
23rd
|
400
65th
|
Efficiency
11 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Asset turnover | 0.66
63rd
|
0.54
47th
|
0.47
35th
|
| Fixed asset turnover | 58.47
93rd
|
29.86
85th
|
3.77
19th
|
| Inventory turnover | 79.6
86th
|
— | — |
| Receivables turnover | 6.5
57th
|
8.3
69th
|
3.1
5th
|
| Days sales outstanding | 56 days
43rd
|
44 days
32nd
|
117 days
95th
|
| Days inventory outstanding | 5 days
14th
|
— | — |
| Days payables outstanding | 3 days
6th
|
9 days
16th
|
22 days
38th
|
| Cash conversion cycle (days) | 57 days
73rd
|
35 days
51st
|
94 days
94th
|
| Capex / revenue | 0.7%
18th
|
— | 8.3%
85th
|
| Capex / depreciation | 0.46
48th
|
— | 1.44
90th
|
| Operating expense ratio | 41.1%
31st
|
42.8%
32nd
|
78.5%
88th
|
Cash flow & earnings quality
7 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Operating cash flow / net income | 11.36
89th
|
0.95
12th
|
— |
| FCF / net income | 10.87
91st
|
0.97
19th
|
— |
| FCF / operating cash flow | 95.7%
71st
|
— | 75.5%
27th
|
| Capex / operating cash flow | 4.3%
29th
|
— | 24.5%
73rd
|
| Accruals ratio | -9.7%
41st
|
0.5%
91st
|
-16.7%
20th
|
| Sloan accruals ratio | 7.0%
84th
|
-0.3%
63rd
|
-8.2%
32nd
|
| Earnings quality score (0-1) | 0.75
11th
|
0.75
11th
|
— |
Scores & forensic checks
15 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| IS score | 48
32nd
|
73
78th
|
47
30th
|
| IS profitability | 22
25th
|
60
67th
|
20
14th
|
| IS growth | 24
2nd
|
71
61st
|
52
24th
|
| IS value | 44
63rd
|
48
68th
|
20
2nd
|
| IS momentum | 58
19th
|
86
60th
|
50
6th
|
| IS risk (safety) | 65
46th
|
100
67th
|
80
52nd
|
| IS quality | 70
53rd
|
74
67th
|
48
20th
|
| IS balance sheet | 81
72nd
|
91
86th
|
65
49th
|
| IS earnings quality | 56
38th
|
77
86th
|
24
4th
|
| IS cash flow | 77
59th
|
79
63rd
|
64
44th
|
| Piotroski F-score (0-9) | 7
58th
|
6
36th
|
5
16th
|
| Altman Z-score | 2.9
49th
|
10.5
90th
|
3.3
54th
|
| Beneish M-score | −2.84
30th
|
−2.14
81st
|
−2.65
45th
|
| Ohlson O-score | −9.08
17th
|
−11.89
4th
|
−6.87
52nd
|
| IS credit score | 68
53rd
|
87
70th
|
48
35th
|
Size (TTM)
8 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| Market cap | $46.8B
90th
|
$37.5B
89th
|
$33.8B
88th
|
| Revenue | $25.0B
98th
|
$5.6B
89th
|
$3.4B
77th
|
| EBITDA | $1.4B
88th
|
$324.0M
65th
|
$186.6M
53rd
|
| Net income | $357.1M
74th
|
$1.1B
94th
|
−$63.2M
16th
|
| Free cash flow | $3.9B
98th
|
$1.1B
85th
|
$852.4M
79th
|
| Total assets | $39.2B
94th
|
$10.8B
83rd
|
$7.9B
77th
|
| Shareholders' equity | $22.0B
95th
|
$9.0B
93rd
|
$2.6B
77th
|
| Employees | 10,205
88th
|
5,587
73rd
|
8,700
86th
|
Price performance
9 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| 1 day | −2.5% | −10.7% | −5.9% |
| 1 week | +0.8% | −15.6% | −11.3% |
| 1 month | +1.8% | −0.8% | +5.0% |
| 3 months | −1.8% | +19.0% | +38.4% |
| 6 months | +9.2% | +74.3% | +54.0% |
| Year to date | +19.5% | +76.5% | −6.0% |
| 1 year | +2.3% | +126.5% | −31.4% |
| 3 years, cumulative | +66.7% | +325.4% | +19.8% |
| 5 years, cumulative | −67.4% | −23.8% | −22.2% |
Technicals
4 measures| Measure | XYZ | TWLO | ZS |
|---|---|---|---|
| RSI 14 | 52.2 | 39.9 | 51.4 |
| From 52-week high | −10.4% | −20.8% | −38.5% |
| From 52-week low | +61.5% | +133.8% | +80.9% |
| Beta | 2.55 | 1.36 | 0.94 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17