EXPENSIFY INC - A (EXFY) Stock Fundamental Analysis
USA - NASDAQ:EXFY - US30219Q1067 - Common Stock
1.42 USD
+0.02 (+1.43%)
1.43 USD
+0.01 (+0.7%)
Overall EXFY gets a fundamental rating of 4 out of 10. We evaluated EXFY against 281 industry peers in the Software industry. While EXFY has a great health rating, there are worries on its profitability. EXFY has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year EXFY was profitable.
EXFY had a positive operating cash flow in the past year.
In the past 5 years EXFY always reported negative net income.
In the past 5 years EXFY always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -8.91%, EXFY is not doing good in the industry: 60.85% of the companies in the same industry are doing better.
EXFY has a Return On Equity (-12.06%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.91% | ||
| ROE | -12.06% | ||
| ROIC | N/A |
ROA(3y)-14.02%
ROA(5y)-10.29%
ROE(3y)-25.59%
ROE(5y)-21.32%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 51.26%, EXFY is doing worse than 66.90% of the companies in the same industry.
In the last couple of years the Gross Margin of EXFY has declined.
The Profit Margin and Operating Margin are not available for EXFY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 51.26% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.78%
GM growth 5Y-2.22%
2. Health
2.1 Basic Checks
EXFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
EXFY has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, EXFY has more shares outstanding
The debt/assets ratio for EXFY has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 1.82 indicates that EXFY is not a great score, but indicates only limited risk for bankruptcy at the moment.
EXFY has a Altman-Z score of 1.82. This is comparable to the rest of the industry: EXFY outperforms 47.69% of its industry peers.
EXFY has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.01, EXFY belongs to the top of the industry, outperforming 83.27% of the companies in the same industry.
EXFY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, EXFY is in the better half of the industry, outperforming 68.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 1.82 |
ROIC/WACCN/A
WACC11.25%
2.3 Liquidity
A Current Ratio of 3.60 indicates that EXFY has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 3.60, EXFY belongs to the top of the industry, outperforming 81.14% of the companies in the same industry.
A Quick Ratio of 3.60 indicates that EXFY has no problem at all paying its short term obligations.
The Quick ratio of EXFY (3.60) is better than 81.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.6 | ||
| Quick Ratio | 3.6 |
3. Growth
3.1 Past
The earnings per share for EXFY have decreased strongly by -15.23% in the last year.
EXFY shows a decrease in Revenue. In the last year, the revenue decreased by -7.60%.
EXFY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.58% yearly.
EPS 1Y (TTM)-15.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
Revenue 1Y (TTM)-7.6%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%-0.97%
3.2 Future
The Earnings Per Share is expected to grow by 3.33% on average over the next years.
The Revenue is expected to grow by 3.45% on average over the next years.
EPS Next Y-41.96%
EPS Next 2Y-3.12%
EPS Next 3Y3.33%
EPS Next 5YN/A
Revenue Next Year2.87%
Revenue Next 2Y2.72%
Revenue Next 3Y3.45%
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.35, which indicates a very decent valuation of EXFY.
91.10% of the companies in the same industry are more expensive than EXFY, based on the Price/Earnings ratio.
EXFY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
A Price/Forward Earnings ratio of 5.89 indicates a rather cheap valuation of EXFY.
Based on the Price/Forward Earnings ratio, EXFY is valued cheaper than 95.37% of the companies in the same industry.
EXFY is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 5.89 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EXFY is valued cheaply inside the industry as 97.86% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.12%
EPS Next 3Y3.33%
5. Dividend
5.1 Amount
EXFY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.42
+0.02 (+1.43%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners42.09%
Inst Owner Change-0.73%
Ins Owners16.5%
Ins Owner Change2.43%
Market Cap131.56M
Revenue(TTM)139.24M
Net Income(TTM)-15.47M
Analysts78
Price Target3.23 (127.46%)
Short Float %3.82%
Short Ratio4.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-100.68%
Min EPS beat(2)-175.41%
Max EPS beat(2)-25.95%
EPS beat(4)2
Avg EPS beat(4)-37.54%
Min EPS beat(4)-175.41%
Max EPS beat(4)45.41%
EPS beat(8)4
Avg EPS beat(8)-48.3%
EPS beat(12)5
Avg EPS beat(12)-45.28%
EPS beat(16)7
Avg EPS beat(16)-55.65%
Revenue beat(2)0
Avg Revenue beat(2)-2.95%
Min Revenue beat(2)-3.18%
Max Revenue beat(2)-2.71%
Revenue beat(4)1
Avg Revenue beat(4)-1.35%
Min Revenue beat(4)-3.18%
Max Revenue beat(4)1.36%
Revenue beat(8)1
Avg Revenue beat(8)-4.11%
Revenue beat(12)1
Avg Revenue beat(12)-5.39%
Revenue beat(16)3
Avg Revenue beat(16)-4.2%
PT rev (1m)0%
PT rev (3m)-20.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-29.81%
EPS NY rev (1m)0%
EPS NY rev (3m)-29.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.13%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.35 | ||
| Fwd PE | 5.89 | ||
| P/S | 0.91 | ||
| P/FCF | 6.46 | ||
| P/OCF | 5.3 | ||
| P/B | 1.03 | ||
| P/tB | 1.17 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.17
EY11.97%
EPS(NY)0.24
Fwd EY16.99%
FCF(TTM)0.22
FCFY15.49%
OCF(TTM)0.27
OCFY18.86%
SpS1.56
BVpS1.38
TBVpS1.21
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.91% | ||
| ROE | -12.06% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 51.26% | ||
| FCFM | 14.13% |
ROA(3y)-14.02%
ROA(5y)-10.29%
ROE(3y)-25.59%
ROE(5y)-21.32%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.78%
GM growth 5Y-2.22%
F-Score6
Asset Turnover0.83
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 56.82% | ||
| Cap/Sales | 3.07% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 3.6 | ||
| Quick Ratio | 3.6 | ||
| Altman-Z | 1.82 |
F-Score6
WACC11.25%
ROIC/WACCN/A
Cap/Depr(3y)98%
Cap/Depr(5y)114.53%
Cap/Sales(3y)3.87%
Cap/Sales(5y)4.37%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
EPS Next Y-41.96%
EPS Next 2Y-3.12%
EPS Next 3Y3.33%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.6%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%-0.97%
Revenue Next Year2.87%
Revenue Next 2Y2.72%
Revenue Next 3Y3.45%
Revenue Next 5YN/A
EBIT growth 1Y50.7%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-14.37%
EBIT Next 3Y14.97%
EBIT Next 5YN/A
FCF growth 1Y127.68%
FCF growth 3YN/A
FCF growth 5Y16.66%
OCF growth 1Y91.88%
OCF growth 3Y63.23%
OCF growth 5Y13.95%
EXPENSIFY INC - A / EXFY FAQ
Can you provide the ChartMill fundamental rating for EXPENSIFY INC - A?
ChartMill assigns a fundamental rating of 4 / 10 to EXFY.
What is the valuation status for EXFY stock?
ChartMill assigns a valuation rating of 6 / 10 to EXPENSIFY INC - A (EXFY). This can be considered as Fairly Valued.
Can you provide the profitability details for EXPENSIFY INC - A?
EXPENSIFY INC - A (EXFY) has a profitability rating of 2 / 10.
How financially healthy is EXPENSIFY INC - A?
The financial health rating of EXPENSIFY INC - A (EXFY) is 7 / 10.
What is the earnings growth outlook for EXPENSIFY INC - A?
The Earnings per Share (EPS) of EXPENSIFY INC - A (EXFY) is expected to decline by -41.96% in the next year.