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Expensify, Inc. EXFY R2K

Technology · Software - Application · United States
https://www.expensify.com
Company Profile ↓
$1.76
-19.63% 1Y
Mkt Cap$148.33M
P/E-8.00
P/B1.26
52W High$2.33
52W Low$0.75
Book Value$1.44
EPS (TTM)$-0.22

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

Positive Free Cash Flow

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:-19.63%
6 Months:+25.71%
3 Months:+102.30%
1 Month:+39.68%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 64% of range
$0.75 $2.33
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • Golden Cross2d ago
  • RSI (14)57.86 · Neutral
Price Performance
1M+39.68%
3M+102.30%
6M+25.71%
1Y-19.63%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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.

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Valuation

Stock P/E
-8.00
Industry PE
34.66
Forward P/E
25.14
PEG Ratio
-
Book Value
$1.44
Price to Book
1.26
P/S
1.25
EV/EBITDA
-6.39
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
9.94%
Profit 5Y
-
Revenue (YoY)
-5.80%
Earnings (YoY)
-

Profitability & Returns

ROCE
-12.91%
ROE
-15.05%
ROA
-6.09%
Profit Margin
-14.68%
Op Margin
-5.80%
Gross Margin
49.61%
EPS (Latest Qtr)
$-0.02
EPS (TTM)
$-0.22

Balance Sheet & Liquidity

Debt/Equity
4.01
Quick Ratio
1.75
Current Ratio
3.49
Debt
$5.56M
Total Assets
$190.60M
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
23.97%
Chg in Prom Hold
-
FII / Inst Holding
36.43%
Chg in FII Hold
-0.01%

Financial Snapshot

Enterprise Value
$148.33M
Total Revenue (TTM)
$140.00M
EBITDA
$-17.77M
Free Cash Flow
$17.93M
Operating Cash Flow
$12.35M
Shares Outstanding
84.28M
Gross Margin
49.61%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 EXFY Expensify, Inc. R2K 1.76 -8.00 $148.33M 0.00% -12.91% -15.05% 9.94% -
2 NVDA NVIDIA Corporation NDXSPXAI 212.50 32.59 $5.15T 0.47% 74.66% 114.29% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPX 327.50 39.60 $4.81T 0.37% 68.72% 141.47% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXAI 395.63 23.96 $2.94T 0.95% 26.90% 34.01% 9.48% 10.85%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AI 419.48 36.41 $2.18T 0.90% 30.20% 36.21% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXAI 394.28 64.96 $1.88T 0.68% 16.70% 37.28% 24.38% 26.24%
7 MU Micron Technology, Inc. NDXSPXAI 904.28 20.44 $1.02T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXAI 529.14 172.36 $862.82B 0.00% 6.33% 8.06% 13.64% 48.64%
9 ASML ASML Holding N.V. NDXAI 1,815.27 59.79 $699.64B 0.51% 42.97% 52.24% 15.55% 19.55%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue 21.69M29.72M35.30M37.45M40.37M43.16M42.49M40.10M38.88M36.49M33.53M33.29M35.41M36.07M35.76M35.06M33.97M
Gross Profit 13.25M22.08M27.37M19.25M26.24M27.29M25.94M24.33M21.96M18.81M18.95M18.93M18.26M18.24M18.58M17.40M16.17M
Operating Income -5.09M11.54M7.50M-8.86M-4.84M-3.97M-5.72M-2.70M-9.56M-14.90M-1.79M219.00K288.00K-1.49M-10.34M-2.26M-1.97M
Net Income -6.94M8.04M6.63M-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
Diluted EPS -0.250.060.05-0.18-0.09-0.10-0.10-0.07-0.14-0.21-0.04-0.03-0.02-0.03-0.10-0.03-0.02
R&D Expense 2.27M1.10M4.87M2.17M3.70M3.58M3.42M5.42M5.09M6.61M5.93M6.39M5.62M5.36M5.16M4.91M5.26M

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 80.46M88.07M142.84M169.50M150.69M139.24M142.10M
Gross Profit 48.48M55.66M89.14M106.83M83.80M75.00M71.53M
Operating Income 1.25M5.67M-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 4.11M6.73M10.99M13.69M23.37M24.64M20.68M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --87.73M183.21M210.24M176.78M173.68M185.99M
Total Equity -51.88M-48.46M-31.04M76.61M97.24M100.74M128.24M132.75M
Cash & Equivalents -9.99M34.40M98.40M103.79M47.51M48.77M63.08M
Long Term Debt --30.32M52.07M51.43M0--
Total Liabilities --73.66M106.60M113.00M76.04M45.44M53.24M
Current Liabilities --39.20M53.58M60.36M67.89M38.01M46.41M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 12.43M7.58M5.49M32.88M1.56M23.88M20.09M
Investing Cash Flow -4.90M-4.29M-7.61M-2.20M-7.29M-7.63M-3.56M
Financing Cash Flow 5.14M8.79M80.56M-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 9.20M5.10M2.78M32.29M175.00K23.88M20.07M
Share Buybacks 14.00K006.00M3.00M1.51M9.10M

Ratios (Annual)

Figures in %.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 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

Insiders
23.97%
Institutions
36.43%
Public Float
47.91%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 4.74% 3.99M $7.23M
2 Palogic Value Management, LP 2.99% 2.52M $4.57M
3 Verition Fund Management, LLC 2.79% 2.35M $4.25M
4 Vanguard Capital Management LLC 2.74% 2.31M $4.17M
5 Acadian Asset Management. LLC 2.62% 2.21M $4.00M
6 Vanguard Portfolio Management LLC 2.34% 1.97M $3.57M
7 Castleknight Management LP 2.05% 1.73M $3.13M
8 Geode Capital Management, LLC 1.63% 1.37M $2.48M
9 Shaw D.E. & Co., Inc. 1.56% 1.32M $2.39M
10 Marshall Wace LLP 1.08% 914.31K $1.65M

Analyst View

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Latest News

Recent headlines for EXFY

Google News Sun, 21 Jun 2026

Expensify (EXFY) Stock Could Be 39% Overvalued After Its MCP AI Launch - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxON21RaF9DOXJoRjlmc1F6MnhuX2xGakpra05tVFpFUkk5dnhMQXFTS3REWktTWHpoLUlxanloWTRtQ1pOWGc5cWswVUUxUk9uZTFBelF6WHRlM1VhOWVxOG1VaTRrckk5Mmk5LThpanRYa3Brb2M4dWphdUYyakFYamtqWXFxSXozZTZ1S1…

Google News Mon, 13 Jul 2026

New Expensify Travel feature rolls all business trips into one monthly bill - Stock Titan

<a href="https://news.google.com/rss/articles/CBMiuAFBVV95cUxNa1pmWWZRY1R4YUJCdFd2RlhpN2FTRk9zOExCX3FfQktKeHgwa2lFSnp4UldZTXctWU9FV1VBLThNLUd6VU82UGFldnk0OF9BZmdiNG81aElMaURkYUk4alpUT1pwMGQ2WkVQVU8zXzBOVnZWZ25DaUlFWTNWVTFIU05RWF9MNmg2SzU3S2…

Google News Mon, 13 Jul 2026

Expensify stock rises on new consolidated travel billing - Investing.com

<a href="https://news.google.com/rss/articles/CBMiugFBVV95cUxPM3FFcFQtQXBBNlpRbWFDc3Q5dEZWN1NwUjBoNkExWWdCTmduZEtVYzlUcFN3ZDNhN1ZFSzFLVkpBbjQwSnhqa19rd3Utb3JreUJxNDF3eWxMNktMR2VFcXFNNEZodGNNOEczWWRlQ1RYcmFoODZwdFFpWmZETjd5V2RnWXFzRy16Sm93bn…

Google News Wed, 08 Jul 2026

$EXFY stock is up 10% today. Here's what we see in our data. - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMioAFBVV95cUxQTEJRNl91b0FabVNzUEttSHlQWjg4aDdaeEdGZEJfSzI0YkZBY1JrQlZzMGNlNEFKb2Rza2VvUkxiZ1pZUm51dlREYWlXb2thWWF6cFdtM05QNTh2U0lacmpiOVJOQUZMUkVBZjZIcjRlZ0pkbVZZUEZkV2VNZTU1SUs5WENxOXVEYThqeE…

Google News Fri, 19 Jun 2026

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…

Google News Mon, 13 Jul 2026

Expensify (EXFY) Introduces Centralized Travel Billing Option - GuruFocus

<a href="https://news.google.com/rss/articles/CBMirwFBVV95cUxNRXlxLTQ3bmQ0d2RfM2t3b2RaYzhnNGZuZnhNaDFwRUlWWV8wZDRHSWxobEh6dXZrMmxneHdYbmZuSl9zSmpxMVhUb21VLTZId2xPRnpkck5uVml3RVdvXzBCRGxNbHNFVWpSbEdtMEF4YzVzeDNDVTNlQzloN2pUaFZhbndVTVBmaXFGVm…

EXFY — Frequently Asked Questions

What is the current share price of Expensify, Inc. (EXFY)?

As of 2026-07-15 16:51 PDT, Expensify, Inc. (EXFY) trades at $1.76 on NasdaqGS. Its 52-week range is $0.75 to $2.33.

What is the market capitalisation of EXFY?

Expensify, Inc. (EXFY) has a market capitalisation of $148.33M on NasdaqGS.

What is the P/E ratio of EXFY?

EXFY trades at a trailing price-to-earnings (P/E) ratio of -8.00. The industry average P/E is 34.66. Its price-to-book (P/B) ratio is 1.26.

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.

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