Expensify, Inc. EXFY

2.21 (0.05) (2.21%) as of 25 Sep
Market cap
$206.1M
P/E
0.0×
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 2.19
Total sells 0.49
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — 1 — — — — — —
Sell — 2 11 — 1 6 2 2 2 — — —
Insider Ownership 42.87%

Capital & Financial Ratios

Market Cap 206.08
Revenue 138.10
Net Income (15.62)
Free Cash Flow 8.23
Net Debt (65.76)
Current Ratio 3.50
Debt/Equity 0.00
P/E ratio 0.00
P/S ratio 1.52
P/B ratio 1.56
Past 5Y EPS Growth —
This Y EPS Growth 106.89%
Next Y EPS Growth (16.67%)
Next 5Y EPS Growth 27.42%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 48 49 63 66
Receivables 14 13 13 11
Inventory — — — —
Other 70 63 72 73
137 137 153 154
2023 2024 2025 Q'26
Payables 1 0 0 1
ST’ Debt 23 — — —
Other 34 29 28 34
68 38 46 44
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 10.04% (5.71%)
Cash Flow — 21.51% (15.14%)
Earnings — 0.00% 0.00%
Book Value — 56.66% 10.93%

Revenue

Mar Jun Sep Dec Year
’26 34 34 — — —
’25 36 36 35 35 142
’24 34 33 35 37 139
’23 40 39 36 35 151
’22 40 43 42 43 169
’21 30 35 37 40 143
’20 — 19 22 26 88
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 0 8 — — —
’25 8 8 2 2 20
’24 3 9 4 7 24
’23 8 0 (5) (1) 2
’22 11 16 (1) 7 33
’21 10 14 10 (29) 5
’20 — (4) (4) 12 8
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 (1) 7 — — —
’25 7 7 1 1 17
’24 1 7 2 6 16
’23 7 (2) (7) (3) (6)
’22 11 16 (2) 6 31
’21 9 12 7 (30) (2)
’20 — (4) (7) 11 3
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 (0.02) (0.04) — — —
’25 (0.03) (0.10) (0.03) (0.08) (0.23)
’24 (0.04) (0.03) (0.02) (0.01) (0.12)
’23 (0.07) (0.14) (0.21) (0.09) (0.51)
’22 (0.09) (0.10) (0.10) (0.04) (0.33)
’21 0.20 0.16 (0.18) (0.82) (0.36)
’20 — 0.00 (0.25) 0.03 (0.06)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — 32.85 8.08 1.52 1.24 1.33

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — 51.06 44.55 11.65 4.13 4.00
High Price
— — — — 133 144 138 133 115 117
Employees
— — — 0 1 1 1 1 1 1
Revenue/Emp
— — — 80 88 143 169 151 139 142
Revenue
— — — 60.25% 63.20% 62.41% 63.03% 55.61% 53.86% 50.34%
Gross Margin
— — — (2) 3 (14) (21) (38) (2) (16)
EBT
— — — (1.88%) 3.35% (9.61%) (12.18%) (25.53%) (1.72%) (11.47%)
EBT Margin
— 0 — 1 (2) (14) (27) (41) (10) (21)
Net Income
— — — 4 5 6 6 6 7 9
Depreciation
— — — 3.10 3.21 3.76 2.10 1.83 1.59 1.54
Revenue/Sh
— — — 0.05 (0.06) (0.36) (0.33) (0.51) (0.12) (0.23)
Earnings/Sh
— — — 0.48 0.28 0.14 0.41 0.02 0.27 0.22
Cash Flow/Sh
— — — (0.19) (0.16) (0.20) (0.03) (0.09) (0.09) (0.04)
Capex/Sh
— — — 0.29 0.12 (0.06) 0.38 (0.07) 0.19 0.18
Free CF/Sh
— — — (0.13) 0.51 2.01 1.20 1.22 1.47 1.44
Book Value/Sh
— — — 26 27 38 81 82 87 92
Shares
— — — 122.71 122.71 0.00 0.00 0.00 0.00 0.00
PE Ratio
— — — 11.05 11.05 11.72 4.09 1.34 2.10 0.98
PS Ratio
— — — 0.00 0.00 21.85 7.13 2.01 2.28 1.05
PB Ratio
— — — 11.04 11.04 11.50 3.87 1.41 2.17 0.95
EV/Sales
— — — 37.38 37.38 (772.06) 21.40 (37.11) 20.32 8.27
EV/FCF
— — — 12 8 5 33 2 24 20
Op' Cash Flow
— — — (5) (4) (8) (2) (7) (8) (4)
Capex
— — — 8 3 (2) 31 (6) 16 17
FCF
— — — 6 24 104 127 69 99 107
Working Cap'
— — — 39 48 68 67 23 — —
Total Debt
— — — 29 13 (31) (37) (25) (49) (63)
Net Debt
— — — (3) 14 77 97 101 128 133
Sh' Equity
— — — 0.00% (2.08%) (10.01%) (13.73%) (21.42%) (5.74%) (11.89%)
ROA
— — — 2.99% 12.91% (13.98%) (15.75%) (27.30%) (0.64%) (16.17%)
ROIC
— — — 0.00% 4.30% (59.49%) (31.07%) (41.88%) (8.78%) (16.39%)
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Expensify, Inc. peers in Software Application

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Expensify, Inc. (EXFY) key facts

  • Expensify, Inc. (EXFY) is a Software Application company in the Technology sector, listed on Nasdaq.
  • Expensify, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $142.1 million, up 2.06% from fiscal 2024.
  • Expensify, Inc. reported a net loss of $21.4 million, or a loss of $0.23 per share, for fiscal 2025.
  • As of September 25, 2026, EXFY traded at $2.21, a market capitalization of $206.1 million.
  • Trailing earnings are negative, so a P/E ratio is not meaningful; the stock trades at 1.5× sales.
  • Return on equity was −16.4% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Expensify, Inc. (EXFY) Latest News

News by impact score

Fine-tune

15 Sep

3

Expensify integrates as one of the first expense management tools into Claude AI platform for small businesses. Claude integration expands Expensify reach to AI users among small businesses without altering core trajectory.

1 Sep

3

Expensify launches native integration with Rillet, the AI-native ERP. Native integration with Rillet enhances Expensify product capabilities and market positioning modestly.

17 Aug

3

Expensify extends Visa Commercial Card with proactive spend controls to 14 countries. Commercial card feature rollout to new markets moderately strengthens product capabilities and reach.

13 Aug

4 transcript

Expensify held its Q2 2026 earnings call, covering quarterly financial results, business updates, and forward-looking guidance. Earnings call details directly shape investor views on financial trajectory and strategy.

7 Aug

4 transcript

Expensify reports AI-driven New Expensify surging 250% in Q2 2026 earnings call highlights. AI product 250% surge signals major strategic growth and investor momentum shift.

6 Aug

3 transcript

Expensify Q2 earnings call covered revenue, user metrics, expense management platform updates and forward guidance. Q2 earnings and guidance supply moderate financial and strategic details that can shift near-term sentiment.

3

Expensify, Inc. announced its Q2 2026 financial results. Quarterly results release supplies updated financial metrics that can shift near-term investor views on performance.

21 Jul

3

Expensify expands collaboration with Marqeta to launch its card offering across Europe. Europe card launch via Marqeta adds geographic reach and revenue channels without transforming core operations.

20 Jul

3

Expensify launches its corporate card in Europe. European corporate card launch expands Expensify's addressable market and product reach.

13 Jul

3

Expensify launches consolidated travel billing for U.S. businesses, causing its shares to rise. New billing feature triggers short-term share gains but leaves core trajectory unchanged.

3

Expensify launches consolidated travel billing to simplify company payments for business travel. New feature strengthens product but does not fundamentally shift company trajectory.

1 Jul

4

Expensify expands its AI to expense automation, spend insights, and agents. AI expansion directly upgrades core product capabilities and competitive positioning in expense management.

21 Jun

3

Expensify (EXFY) stock may be 39% overvalued following its MCP AI launch. MCP AI launch brings product innovation while 39% overvaluation warning could moderately sway investor sentiment and near-term performance.

20 Jun

3

Expensify launches new AI MCP, prompting questions on whether it signals deeper superapp ambitions or a strategic focus shift. New AI MCP launch may moderately affect product innovation and competitive positioning.

12 Jun

3

Expensify, Inc. announced the final results of its tender offer, completing the repurchase of shares tendered by shareholders. Completion of the tender offer changes Expensify's outstanding share count and capital structure.

8 Jun

4

Expensify launches MCP for AI-powered expense management. MCP launch introduces AI to core expense management product.

21 May

3

Expensify partners with VAT IT to launch an integration simplifying global VAT reclaim processes for its users. Integration partnership expands Expensify's expense management tools into international VAT reclaim without altering core trajectory.

19 May

3

Expensify partners with Playroll to remove compliance hurdles and integrate expense tracking directly into payroll for businesses expanding globally. Partnership strengthens Expensify's global payroll integration features but remains an incremental operational enhancement rather than a core trajectory shift.

13 May

3

Expensify, Inc. (EXFY) commences a modified Dutch auction tender offer to repurchase up to $25,000,000 of its Class A common stock. The tender offer to repurchase up to $25 million in shares can positively impact financial metrics like EPS and boost investor sentiment without fundamentally altering core operations.

8 May

4

Expensify, Inc. (EXFY) released Q1 2026 earnings call summary detailing financial results, operational updates, and forward guidance. Q1 2026 earnings summary highlights financial performance and strategic direction, likely driving significant shifts in market perception and stock trajectory.

7 May

4

Expensify released Q1 earnings call highlights, detailing financial results, revenue growth, user metrics, and forward guidance amid competitive pressures in expense management software. Q1 earnings highlights disclose financial performance, strategic shifts, and outlook directly impacting stock valuation and investor confidence.

4

Expensify announced Q1 2026 results, reporting key financial metrics and operational updates. Quarterly earnings announcements drive significant shifts in stock price and investor outlook based on revenue, profitability, and guidance.

22 Apr

3

Expensify (EXFY) partners with IOCP to expand its modern spend management solutions and Bring Your Own Card (BYOC) program. Partnership expands core spend management and BYOC offerings, moderately influencing product reach and competitive positioning.

18 Apr

3

Expensify insiders purchased US$2.19 million worth of company stock, increasing their holdings and signaling confidence in the firm's prospects. Insider stock purchases worth $2.19m signal management confidence, likely providing moderate positive impact on investor sentiment and short-term market performance.

8 Apr

3

Expensify integrates its expense management platform with American Airlines to simplify business travel expense tracking and reporting for shared customers. Partnership with a major airline bolsters Expensify's travel expense features, moderately enhancing user value and competitive edge.

27 Feb

4

Expensify, Inc. (EXFY) Q4 2025 earnings call summary covers financial results, operational updates, and future guidance for the quarter. Q4 earnings call summary discloses financial performance and strategic outlook, significantly impacting investor sentiment and stock trajectory.

4

Expensify Inc. (EXFY) Q4 2025 earnings call highlights strong cash flow and strategic initiatives. Strong cash flow and strategic initiatives represent major positive developments likely to significantly enhance EXFY's financial trajectory and investor sentiment.

26 Feb

4

Expensify, Inc. (EXFY) released highlights from its Q4 earnings call, covering financial results, operational updates, and forward guidance. Q4 earnings call highlights directly influence investor sentiment through financial metrics, guidance, and strategic announcements.

4

Expensify, Inc. (EXFY) announced its Q4 and full-year fiscal 2025 financial results. Q4 and full-year earnings announcements directly impact financial performance metrics, guidance, and investor sentiment.

12 Feb

3

Expensify, Inc. (EXFY) is set to announce its Q4 and full year 2025 financial results. The announcement is anticipated to provide insights into the company's performance and strategic direction moving forward. The upcoming financial results may influence investor sentiment and provide insights into the company's operational performance.

stockrow.com/EXFY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com