Expensify, Inc. (EXFY)

NASDAQ: EXFY · USD

$2.48

+0.04 (+1.6%)· Recorded snapshot

Market cap	226.1M
Revenue (ttm)	138.1M
Net income (ttm)	-15.6M
EPS (ttm)	-$0.17
Shares out	91.2M
P/E (forward)	25.3x
Volume	387,782
Beta	1.74

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 138.1M
Net income (ttm): -15.6M
EPS (ttm): -$0.17
P/E (forward): 25.3x
Market cap: 226.1M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E25.3

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-11.7

P25 n/aP50 n/aP75 n/a

ROIC-18.3

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All EXFY indicators

Market & fundamental data

Available fields

226

Groups with data

Currency

USD

Showing 226 of 226 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001476840
Company name	Expensify, Inc.
Country	United States
Country code	US
CUSIP number	30219Q106
Earnings date	2026-11-05
Earnings time	amc
Employees	117
Employees change	2
Employees growth	1.74%
Enterprise value	$165.8M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2008
Industry	Software - Application
IPO date	2021-11-10
Is primary listing	Yes
Is SPAC	No
ISIN number	US30219Q1067
Last 10-K release date	2026-02-26
Last earnings date	2026-08-06
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$226.1M
Market cap category	Micro-Cap
Next earnings date	2026-11-05
Options	Yes
Price	$2.48
Price currency	USD
Sector	Technology
SIC code	7372
Stock price date	2026-10-28
Symbol	EXFY
U.S. state	California
Website	https://www.expensify.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	25.27x
Earnings yield	-6.73%
EV/FCF	12.87x
EV/Sales	1.17x
FCF / EV yield	7.77%
FCF yield	5.66%
Forward EV/Sales	1.18x
Forward P/E	25.28x
Forward P/S	1.62x
Industry forward P/E	19.55x
Industry P/E	72.09x
P/B ratio	1.67x
P/FCF ratio	17.66x
P/OCF ratio	17.66x
P/S ratio	1.61x
Price / tangible book value	1.82x
Sector forward P/E	18.86x
Sector P/E	32.77x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	-10.06%
EBITDA margin	-9.46%
FCF margin	9.12%
Gross margin	48.67%
Operating margin	-10.06%
Pretax margin	-7.39%
Profit margin	-11.31%
Profit per employee	$-133,504
Revenue per employee	$1.2M
ROA	-4.66%
ROA (5Y)	-5.56%
ROCE	-9.83%
ROE	-11.73%
ROE (5Y)	-25.6%
ROIC	-18.3%
ROIC (5Y)	-25.29%
SBC / revenue	17.99%
Tax / revenue	3.92%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth quarters	2
EPS growth years	0
FCF growth	-53.53%
FCF growth (Q)	3.26%
FCF growth (QoQ)	7,046.61%
FCF growth 3Y	1.28%
FCF growth 5Y	-20.28%
Gross profit growth	-9.1%
Gross profit growth (Q)	-12.1%
Gross profit growth 3Y	-12.28%
Gross profit growth 5Y	-3.4%
Net income growth quarters	2
Net income growth years	0
OCF growth	-53.56%
OCF growth (Q)	3.04%
OCF growth (QoQ)	7,046.61%
OCF growth 3Y	-0.85%
OCF growth 5Y	-21.39%
Revenue growth	-4.27%
Revenue growth (Q)	-5.31%
Revenue growth (QoQ)	-0.3%
Revenue growth 3Y	-5.75%
Revenue growth 5Y	4.19%
Revenue growth years	1

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$0
Depreciation and amortization	$817,000
EBIT	$-13.9M
EBITDA	$-13.1M
EPS	$-0.17
FCF per share	$0.14
Financing cash flow	$-1M
Free cash flow	$12.6M
Free cash flow minus SBC	$-12.2M
Gross profit	$67.2M
Income taxes	$5.4M
Investing cash flow	$-4.4M
Net borrowing	$-146,000
Net cash flow	$7.2M
Net income	$-15.6M
Operating cash flow minus SBC	$-12.2M
Operating income	$-13.9M
Revenue	$138.1M
Stock-based compensation	$24.8M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	1.51
Book value per share	$1.46
Debt / equity	0.04
Debt / FCF	0.43
Interest coverage	-138.87
Long-term assets	$31.2M
Long-term liabilities	$6.7M
Net cash (debt)	$60.4M
Net cash / market cap	27.14%
Net cash growth	10.99%
Net debt / equity	-0.45
Net debt / FCF	-4.79
Piotroski F-Score	3
Property, plant and equipment	$17.1M
Shareholders' equity	$134.6M
Tangible book value	$122.2M
Tangible book value per share	$1.33
Total assets	$185.4M
Total cash	$65.8M
Total debt	$5.4M
Total liabilities	$50.8M
WACC	13.53%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.74
Current assets	$154.2M
Current liabilities	$44.1M
Current ratio	3.5
Net working capital	$45M
Quick ratio	1.76
Working capital	$110.1M
Working capital turnover	1.29

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	-4%
Dividend yield	0%
Shareholder yield	-4%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$1.73
1D price change	1.64%
1M price change	10.41%
1M total return	10.41%
1W price change	-4.31%
1W total return	-4.31%
1Y price change	42.69%
1Y return CAGR	42.73%
1Y total return	42.69%
20-day SMA	$2.43
200-day SMA	$1.59
3M price change	34.81%
3M total return	34.81%
3Y price change	-5.06%
3Y return CAGR	-1.71%
3Y total return	-5.06%
50-day SMA	$2.40
50-day SMA vs 200-day SMA	50over200
52-week high	$2.81
52-week high date	2026-08-10
52-week low	$0.69
52-week low date	2026-03-18
6M price change	153.98%
6M total return	153.98%
All-time high	$51.06
All-time high date	2021-11-26
All-time low	$0.69
All-time low date	2026-03-18
Average true range (ATR)	$0.12
Average volume	375.2K
Beta (1Y)	2.67
Beta (2Y)	2.06
Beta (5Y)	1.74
Change from 52-week high	-11.74%
Change from 52-week low	259.06%
Change from all-time high	-95.22%
Change from all-time low	253.26%
Change from open	0.2%
Day's gap	1.43%
Dollar volume	$961,699
High price	$2.51
Low price	$2.43
Monthly RSI	41.69
Open price	$2.48
Position in 52-week range	62.5%
Premarket change	-1.64%
Premarket close	$2.44
Premarket price	$2.40
Previous close	$2.44
Price vs 150-day SMA	41.2%
Price vs 20-day SMA	0.41%
Price vs 200-day SMA	53.36%
Price vs 50-day SMA	1.54%
Relative volume	1.03
Return from IPO open	-93.86%
Return from IPO price	-90.96%
RSI	51.25
Sharpe ratio	0.77
Sharpe ratio (3Y)	0.32
Sortino ratio	1.44
Sortino ratio (3Y)	0.61
Volume	387.8K
Weekly RSI	60.76
YTD price change	61.59%
YTD total return	61.59%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	54.6M
Float percentage	59.88%
Shares change (QoQ)	1.84%
Shares change (YoY)	4%
Shares held by insiders	33.76%
Shares held by institutions	28.27%
Shares outstanding	91.2M
Short % of float	1.86%
Short % of shares	1.11%
Short ratio	1.9 days

Deeper analysis on EXFY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this EXFY report

Is a complete EXFY research report available?

No complete published report is available for Expensify, Inc. (EXFY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Expensify, Inc. (EXFY)

Price

Financial snapshot

Fair-value bridge

Latest news · EXFY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All EXFY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on EXFY

Frequently asked questions