Company Overview
Expensify, Inc. provides a cloud-based expense management software platform in the United States and internationally. The company offers Expensify, a platform that engages in managing corporate cards, paying bills, generating invoices, collecting payments, and booking travel, as well as track and submit plans for individuals. It serves individuals and corporations, small and midsized businesses, and enterprises. The company was founded in 2008 and is based in San Francisco, California.
Why Investors Should Care
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $142.10M (+2.1% YoY); net profit $-21.39M.
- Trailing 12 Months Year-on-year growth — revenue -5.8%.
- 5-Year Trend Long-term compounding — revenue CAGR 9.9%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 9.94% |
| 1 Year: | -5.80% |
Stock Price Performance
| 1 Year: | +25.26% |
| 6 Months: | +147.40% |
| 3 Months: | +106.96% |
| 1 Month: | +20.20% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.85 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | EXFY Expensify, Inc. R2KTECH | 2.38 | -10.82 | $200.58M | 0.00% | -12.91% | -15.05% | 9.94% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 21.69M | 29.72M | 35.30M | 37.45M | 40.37M | 43.16M | 42.49M | 40.10M | 38.88M | 36.49M | 33.53M | 33.29M | 35.41M | 36.07M | 35.76M | 35.06M | 33.97M | 33.87M |
| Gross Profit | 13.25M | 22.08M | 27.37M | 19.25M | 26.24M | 27.29M | 25.94M | 24.33M | 21.96M | 18.81M | 18.95M | 18.93M | 18.26M | 18.24M | 18.58M | 17.40M | 16.17M | 16.33M |
| Operating Income | -5.09M | 11.54M | 7.50M | -8.86M | -4.84M | -3.97M | -5.72M | -2.70M | -9.56M | -14.90M | -1.79M | 219.00K | 288.00K | -1.49M | -10.34M | -2.26M | -1.97M | -2.92M |
| Net Income | -6.94M | 8.04M | 6.63M | -6.34M | -7.38M | -7.99M | -8.24M | -5.95M | -11.30M | -17.00M | -3.78M | -2.76M | -2.20M | -3.17M | -8.79M | -2.31M | -2.34M | -3.85M |
| Diluted EPS | -0.25 | 0.06 | 0.05 | -0.18 | -0.09 | -0.10 | -0.10 | -0.07 | -0.14 | -0.21 | -0.04 | -0.03 | -0.02 | -0.03 | -0.10 | -0.03 | -0.02 | -0.04 |
| R&D Expense | 2.27M | 1.10M | 4.87M | 2.17M | 3.70M | 3.58M | 3.42M | 5.42M | 5.09M | 6.61M | 5.93M | 6.39M | 5.62M | 5.36M | 5.16M | 4.91M | 5.26M | 4.98M |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 80.46M | 88.07M | 142.84M | 169.50M | 150.69M | 139.24M | 142.10M |
| Gross Profit | 48.48M | 55.66M | 89.14M | 106.83M | 83.80M | 75.00M | 71.53M |
| Operating Income | 1.25M | 5.67M | -10.25M | -15.23M | -33.15M | -820.00K | -18.02M |
| Net Income | 1.24M | -1.71M | -13.56M | -27.01M | -41.46M | -10.05M | -21.39M |
| Diluted EPS | 0.00 | -0.06 | -0.36 | -0.33 | -0.50 | -0.12 | -0.23 |
| R&D Expense | 4.11M | 6.73M | 10.99M | 13.69M | 23.37M | 24.64M | 20.68M |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 87.73M | 183.21M | 210.24M | 176.78M | 173.68M | 185.99M |
| Total Equity | -51.88M | -48.46M | -31.04M | 76.61M | 97.24M | 100.74M | 128.24M | 132.75M |
| Cash & Equivalents | - | 9.99M | 34.40M | 98.40M | 103.79M | 47.51M | 48.77M | 63.08M |
| Long Term Debt | - | - | 30.32M | 52.07M | 51.43M | 0 | - | - |
| Total Liabilities | - | - | 73.66M | 106.60M | 113.00M | 76.04M | 45.44M | 53.24M |
| Current Liabilities | - | - | 39.20M | 53.58M | 60.36M | 67.89M | 38.01M | 46.41M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 12.43M | 7.58M | 5.49M | 32.88M | 1.56M | 23.88M | 20.09M |
| Investing Cash Flow | -4.90M | -4.29M | -7.61M | -2.20M | -7.29M | -7.63M | -3.56M |
| Financing Cash Flow | 5.14M | 8.79M | 80.56M | -8.28M | -45.32M | -22.07M | -2.74M |
| Capital Expenditure | -3.23M | -2.49M | -2.71M | -585.00K | -1.38M | -0 | -17.00K |
| Free Cash Flow | 9.20M | 5.10M | 2.78M | 32.29M | 175.00K | 23.88M | 20.07M |
| Share Buybacks | 14.00K | 0 | 0 | 6.00M | 3.00M | 1.51M | 9.10M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | 60.2% | 63.2% | 62.4% | 63.0% | 55.6% | 53.9% | 50.3% |
| Operating Margin % | 1.5% | 6.4% | -7.2% | -9.0% | -22.0% | -0.6% | -12.7% |
| Net Margin % | 1.5% | -1.9% | -9.5% | -15.9% | -27.5% | -7.2% | -15.1% |
| ROE % | -2.6% | 5.5% | -17.7% | -27.8% | -41.1% | -7.8% | -16.1% |
| ROCE % | - | 11.7% | -7.9% | -10.2% | -30.4% | -0.6% | -12.9% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Parallel Advisors, LLC | 3.37% | 2.66M | $6.87M |
| 2 | Acadian Asset Management. LLC | 3.11% | 2.46M | $6.34M |
| 3 | Vanguard Capital Management LLC | 2.99% | 2.36M | $6.09M |
| 4 | AQR Capital Management, LLC | 2.64% | 2.09M | $5.38M |
| 5 | Palogic Value Management, LP | 2.24% | 1.77M | $4.56M |
| 6 | Castleknight Management LP | 2.19% | 1.73M | $4.46M |
| 7 | Vanguard Portfolio Management LLC | 1.48% | 1.17M | $3.02M |
| 8 | Blackrock Inc. | 1.41% | 1.11M | $2.86M |
| 9 | Jane Street Group, LLC | 1.31% | 1.03M | $2.66M |
| 10 | Formula Growth Ltd | 1.11% | 875.00K | $2.26M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for EXFY
Expensify (EXFY) Stock Could Be 39% Overvalued After Its MCP AI Launch - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxON21RaF9DOXJoRjlmc1F6MnhuX2xGakpra05tVFpFUkk5dnhMQXFTS3REWktTWHpoLUlxanloWTRtQ1pOWGc5cWswVUUxUk9uZTFBelF6WHRlM1VhOWVxOG1VaTRrckk5Mmk5LThpanRYa3Brb2M4dWphdUYyakFYamtqWXFxSXozZTZ1S1…
EXFY News | EXPENSIFY INC - A (NASDAQ:EXFY) - ChartMill
<a href="https://news.google.com/rss/articles/CBMiW0FVX3lxTFBJbU5RODlKbDVwYnNJUGxMVlkxMmtiTzB4OW05c1VuWXlsaGJSYnlKYUdJSHdadDJiUDl1SnJqaFh4cDlwdEx5RDFnZ2U2T21BdVM1ZWFZN3VKOXM?oc=5" target="_blank">EXFY News | EXPENSIFY INC - A (NASDAQ:EXFY)<…
No more CSVs: Expensify links expenses to Rillet's books - Stock Titan
<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxPZmZPVTVJYWZrNUhWQzFMMktNci1ZTFdKTlVvaExnSmhIZkd6X1BKdzM2ZUxoZ2RCNmxqcFNnZmx6aXRxWWtvSkRYSVJTWmhjY1Vjcnp0TThqbmdKbjhnR0tFOFdsMGxwWDdhRkpGUTVqQzBxaENOLUhnZEl4VDU5TDZLTEtWYko5eGY5Y0…
EXFY | Expensify, Inc. Class A Financials - Revenue Breakdown - quiverquant.com
<a href="https://news.google.com/rss/articles/CBMid0FVX3lxTE9DXzNsYk1qQXlqZkRlbEVCVktTUzVZVENpX1hkV2loTTlraW90bWd2NEpOYks4UlpNQ1RFX3NIWmpYQ0VKUkJCVW9hT1lVSWNXLVg4WVE4a1ROWTZYS1V1OUs4WkQ4R1RMdW1SMl93eVR6MW5QdW9z?oc=5" target="_blank">EXFY | …
Expensify (EXFY) Stock Could Be 39% Overvalued After Its ChatGPT And Claude AI Launch - simplywall.st
<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxQWEFPVGFOcGg4bUlNR0otdWs1dGZ6WklzMUtjWFF4RC1jNFJWbmlQZzhzNkxzYjhMd0x3bk1JY1FRVEVCdllvMkVmbzlyUUluUGtBS3htZVg4Tk4zOXFDb2pMWWdpZ0tmNXA4UkVWRWhjRExLS1M3QkI4cnJSWWc2QUFIOEFwam54ZWdlN2…
EXFY - Finviz
<a href="https://news.google.com/rss/articles/CBMiRkFVX3lxTE5ZNlo2U1VCRUh6UV9XWkN1Q1JIOXFabXI4N2xxV21uX295WlFXekdNamxFLTdjQjR6T2Y4YUwxcHdzWjFwVGc?oc=5" target="_blank">EXFY</a> <font color="#6f6f6f">Finviz</font>…
EXFY — Frequently Asked Questions
What is the current share price of Expensify, Inc. (EXFY)?
As of 2026-09-07 16:24 PDT, Expensify, Inc. (EXFY) trades at $2.38 on NasdaqGS. Its 52-week range is $0.75 to $2.72.
What is the market capitalisation of EXFY?
Expensify, Inc. (EXFY) has a market capitalisation of $200.58M on NasdaqGS.
What is the P/E ratio of EXFY?
EXFY trades at a trailing price-to-earnings (P/E) ratio of -10.82. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 1.87.
What is the return on equity (ROE) of EXFY?
EXFY has a return on equity (ROE) of -15.05%. Its return on capital employed (ROCE) is -12.91%.
Is EXFY a good stock to buy?
This page provides a data-driven analysis of Expensify, Inc. (EXFY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.