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EXPENSIFY INC - A (EXFY) Stock Fundamental Analysis

NASDAQ:EXFY - Nasdaq - US30219Q1067 - Common Stock - Currency: USD

1.98  -0.09 (-4.35%)

After market: 2.01 +0.03 (+1.52%)

Fundamental Rating

4

EXFY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 282 industry peers in the Software industry. EXFY has a great financial health rating, but its profitability evaluates not so good. EXFY scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

EXFY had positive earnings in the past year.
In the past year EXFY had a positive cash flow from operations.
In the past 5 years EXFY always reported negative net income.
EXFY had a positive operating cash flow in each of the past 5 years.
EXFY Yearly Net Income VS EBIT VS OCF VS FCFEXFY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

EXFY has a Return On Assets (-5.36%) which is comparable to the rest of the industry.
EXFY has a Return On Equity of -7.87%. This is comparable to the rest of the industry: EXFY outperforms 53.55% of its industry peers.
Industry RankSector Rank
ROA -5.36%
ROE -7.87%
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
EXFY Yearly ROA, ROE, ROICEXFY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

EXFY has a Gross Margin of 52.40%. This is in the lower half of the industry: EXFY underperforms 65.60% of its industry peers.
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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 52.4%
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%
EXFY Yearly Profit, Operating, Gross MarginsEXFY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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7

2. Health

2.1 Basic Checks

EXFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EXFY has been increased compared to 1 year ago.
EXFY has more shares outstanding than it did 5 years ago.
The debt/assets ratio for EXFY has been reduced compared to a year ago.
EXFY Yearly Shares OutstandingEXFY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
EXFY Yearly Total Debt VS Total AssetsEXFY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.2 Solvency

EXFY has an Altman-Z score of 2.26. This is not the best score and indicates that EXFY is in the grey zone with still only limited risk for bankruptcy at the moment.
EXFY has a Altman-Z score of 2.26. This is comparable to the rest of the industry: EXFY outperforms 53.90% 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.
EXFY has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. EXFY outperforms 82.98% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that EXFY is not too dependend on debt financing.
EXFY has a better Debt to Equity ratio (0.00) than 68.44% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 2.26
ROIC/WACCN/A
WACC10.47%
EXFY Yearly LT Debt VS Equity VS FCFEXFY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 20M 40M 60M 80M 100M

2.3 Liquidity

EXFY has a Current Ratio of 2.87. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
EXFY has a Current ratio of 2.87. This is in the better half of the industry: EXFY outperforms 76.60% of its industry peers.
A Quick Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
EXFY's Quick ratio of 2.87 is fine compared to the rest of the industry. EXFY outperforms 77.31% of its industry peers.
Industry RankSector Rank
Current Ratio 2.87
Quick Ratio 2.87
EXFY Yearly Current Assets VS Current LiabilitesEXFY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 50M 100M 150M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 2007.14% over the past year.
Looking at the last year, EXFY shows a decrease in Revenue. The Revenue has decreased by -1.62% in the last year.
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)2007.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%25%
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%7.57%

3.2 Future

EXFY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.27% yearly.
Based on estimates for the next years, EXFY will show a small growth in Revenue. The Revenue will grow by 6.15% on average per year.
EPS Next Y-17.13%
EPS Next 2Y5.94%
EPS Next 3Y4.27%
EPS Next 5YN/A
Revenue Next Year5.13%
Revenue Next 2Y5.29%
Revenue Next 3Y6.15%
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.
EXFY Yearly Revenue VS EstimatesEXFY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
EXFY Yearly EPS VS EstimatesEXFY Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.2 0.4 0.6 0.8

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.33, the valuation of EXFY can be described as very cheap.
Based on the Price/Earnings ratio, EXFY is valued cheaply inside the industry as 93.62% of the companies are valued more expensively.
EXFY is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.86, the valuation of EXFY can be described as very cheap.
Based on the Price/Forward Earnings ratio, EXFY is valued cheaply inside the industry as 95.39% of the companies are valued more expensively.
EXFY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.36.
Industry RankSector Rank
PE 7.33
Fwd PE 6.86
EXFY Price Earnings VS Forward Price EarningsEXFY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, EXFY is valued a bit cheaper than the industry average as 79.79% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, EXFY is valued cheaply inside the industry as 94.68% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 9.19
EV/EBITDA 22.1
EXFY Per share dataEXFY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1 1.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y5.94%
EPS Next 3Y4.27%

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0

5. Dividend

5.1 Amount

EXFY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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EXPENSIFY INC - A

NASDAQ:EXFY (8/6/2025, 6:01:57 PM)

After market: 2.01 +0.03 (+1.52%)

1.98

-0.09 (-4.35%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-07 2025-08-07/amc
Inst Owners39.25%
Inst Owner Change0.51%
Ins Owners18.47%
Ins Owner Change3.11%
Market Cap182.95M
Analysts78.18
Price Target4.08 (106.06%)
Short Float %5.22%
Short Ratio4.16
Dividend
Industry RankSector 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)1
Avg EPS beat(2)9.73%
Min EPS beat(2)-25.95%
Max EPS beat(2)45.41%
EPS beat(4)3
Avg EPS beat(4)15.25%
Min EPS beat(4)-25.95%
Max EPS beat(4)45.41%
EPS beat(8)4
Avg EPS beat(8)-41.57%
EPS beat(12)5
Avg EPS beat(12)-31.78%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.67%
Min Revenue beat(2)-2.71%
Max Revenue beat(2)1.36%
Revenue beat(4)1
Avg Revenue beat(4)-2.98%
Min Revenue beat(4)-9.72%
Max Revenue beat(4)1.36%
Revenue beat(8)1
Avg Revenue beat(8)-4.73%
Revenue beat(12)1
Avg Revenue beat(12)-5.38%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-11.11%
EPS NQ rev (1m)44.44%
EPS NQ rev (3m)-29.73%
EPS NY rev (1m)-1.88%
EPS NY rev (3m)-10%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.53%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.63%
Valuation
Industry RankSector Rank
PE 7.33
Fwd PE 6.86
P/S 1.29
P/FCF 9.19
P/OCF 7.26
P/B 1.53
P/tB 1.77
EV/EBITDA 22.1
EPS(TTM)0.27
EY13.64%
EPS(NY)0.29
Fwd EY14.57%
FCF(TTM)0.22
FCFY10.88%
OCF(TTM)0.27
OCFY13.78%
SpS1.53
BVpS1.3
TBVpS1.12
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -5.36%
ROE -7.87%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 52.4%
FCFM 14.05%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.8
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA 0.02
Cap/Depr 71.83%
Cap/Sales 3.74%
Interest Coverage N/A
Cash Conversion 367.56%
Profit Quality N/A
Current Ratio 2.87
Quick Ratio 2.87
Altman-Z 2.26
F-Score5
WACC10.47%
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)2007.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%25%
EPS Next Y-17.13%
EPS Next 2Y5.94%
EPS Next 3Y4.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.62%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%7.57%
Revenue Next Year5.13%
Revenue Next 2Y5.29%
Revenue Next 3Y6.15%
Revenue Next 5YN/A
EBIT growth 1Y98.4%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year19.49%
EBIT Next 3Y18.97%
EBIT Next 5YN/A
FCF growth 1Y-25.89%
FCF growth 3YN/A
FCF growth 5Y16.66%
OCF growth 1Y-13.96%
OCF growth 3Y63.23%
OCF growth 5Y13.95%