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)

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

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

Metric

Value

Amount currency

USD

CIK code

0001476840

Company name

Expensify, Inc.

Country

United States

Country code

CUSIP number

30219Q106

Earnings date

2026-11-05

Earnings time

amc

Employees

117

Employees change

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

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

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

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

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%

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%

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

Metric

Value

EPS growth quarters

EPS growth years

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

Net income growth years

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

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

Metric

Value

Capital expenditures

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

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%

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

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%

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

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

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

Metric

Value

Buyback yield / dilution

-4%

Dividend yield

Shareholder yield

-4%

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%

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%

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

Metric

Value

Float

54.6M

Float percentage

59.88%

Shares change (QoQ)

1.84%

Shares change (YoY)

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

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