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EXPENSIFY INC - A (EXFY) Stock Fundamental Analysis

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

2.99  +0.03 (+1.01%)

Fundamental Rating

4

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 is not valued too expensively and it also shows a decent growth rate.


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.
EXFY had negative earnings in each of the past 5 years.
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 of -9.05%. This is comparable to the rest of the industry: EXFY outperforms 41.64% of its industry peers.
EXFY's Return On Equity of -13.30% is in line compared to the rest of the industry. EXFY outperforms 47.33% of its industry peers.
Industry RankSector Rank
ROA -9.05%
ROE -13.3%
ROIC N/A
ROA(3y)-14.01%
ROA(5y)-10.28%
ROE(3y)-25.56%
ROE(5y)-21.3%
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's Gross Margin of 54.45% is on the low side compared to the rest of the industry. EXFY is outperformed by 65.12% of its industry peers.
EXFY's Gross Margin has declined in the last couple of years.
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 54.45%
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.
EXFY has more shares outstanding than it did 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 2.95. 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.
Looking at the Altman-Z score, with a value of 2.95, EXFY is in line with its industry, outperforming 59.43% of the companies in the same industry.
The Debt to FCF ratio of EXFY is 0.04, which is an excellent value as it means it would take EXFY, only 0.04 years of fcf income to pay off all of its debts.
EXFY's Debt to FCF ratio of 0.04 is amongst the best of the industry. EXFY outperforms 81.49% 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 67.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.04
Altman-Z 2.95
ROIC/WACCN/A
WACC10.6%
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

A Current Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
EXFY has a better Current ratio (2.87) than 71.89% of its industry peers.
A Quick Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
EXFY has a Quick ratio of 2.87. This is in the better half of the industry: EXFY outperforms 72.95% 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

EXFY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 6525.00%, which is quite impressive.
EXFY shows a decrease in Revenue. In the last year, the revenue decreased by -7.59%.
The Revenue has been growing by 11.58% on average over the past years. This is quite good.
EPS 1Y (TTM)6525%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.16%
Revenue 1Y (TTM)-7.59%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%5.1%

3.2 Future

Based on estimates for the next years, EXFY will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.10% on average per year.
EXFY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.64% yearly.
EPS Next Y-7.92%
EPS Next 2Y7.58%
EPS Next 3Y11.1%
EPS Next 5YN/A
Revenue Next Year6.87%
Revenue Next 2Y6.87%
Revenue Next 3Y7.64%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.50, the valuation of EXFY can be described as very reasonable.
Based on the Price/Earnings ratio, EXFY is valued cheaply inside the industry as 88.61% of the companies are valued more expensively.
EXFY is valuated cheaply when we compare the Price/Earnings ratio to 28.88, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 12.64, which indicates a correct valuation of EXFY.
Based on the Price/Forward Earnings ratio, EXFY is valued cheaply inside the industry as 88.97% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.20, EXFY is valued a bit cheaper.
Industry RankSector Rank
PE 11.5
Fwd PE 12.64
EXFY Price Earnings VS Forward Price EarningsEXFY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EXFY is valued a bit cheaper than the industry average as 65.12% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 40.37
EV/EBITDA N/A
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 2Y7.58%
EPS Next 3Y11.1%

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0

5. Dividend

5.1 Amount

No dividends for EXFY!.
Industry RankSector Rank
Dividend Yield N/A

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EXPENSIFY INC - A

NASDAQ:EXFY (5/1/2025, 10:42:40 AM)

2.99

+0.03 (+1.01%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-27 2025-02-27/amc
Earnings (Next)05-08 2025-05-08/amc
Inst Owners38.87%
Inst Owner Change0.39%
Ins Owners23.08%
Ins Owner Change1.12%
Market Cap273.32M
Analysts78.18
Price Target4.59 (53.51%)
Short Float %1.07%
Short Ratio1.37
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)2
Avg EPS beat(2)20.78%
Min EPS beat(2)5.8%
Max EPS beat(2)35.76%
EPS beat(4)3
Avg EPS beat(4)50.58%
Min EPS beat(4)-14.43%
Max EPS beat(4)175.18%
EPS beat(8)4
Avg EPS beat(8)-44.63%
EPS beat(12)5
Avg EPS beat(12)-64.2%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.28%
Min Revenue beat(2)-9.72%
Max Revenue beat(2)-0.85%
Revenue beat(4)0
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-9.72%
Max Revenue beat(4)-0.85%
Revenue beat(8)0
Avg Revenue beat(8)-6.36%
Revenue beat(12)2
Avg Revenue beat(12)-5.06%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)12.5%
PT rev (3m)22.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.2%
Revenue NY rev (3m)0.71%
Valuation
Industry RankSector Rank
PE 11.5
Fwd PE 12.64
P/S 1.99
P/FCF 40.37
P/OCF 17.15
P/B 2.28
P/tB 2.65
EV/EBITDA N/A
EPS(TTM)0.26
EY8.7%
EPS(NY)0.24
Fwd EY7.91%
FCF(TTM)0.07
FCFY2.48%
OCF(TTM)0.17
OCFY5.83%
SpS1.5
BVpS1.31
TBVpS1.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -9.05%
ROE -13.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 54.45%
FCFM 4.93%
ROA(3y)-14.01%
ROA(5y)-10.28%
ROE(3y)-25.56%
ROE(5y)-21.3%
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 Turnover0.78
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.04
Debt/EBITDA N/A
Cap/Depr 149.11%
Cap/Sales 6.67%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.87
Quick Ratio 2.87
Altman-Z 2.95
F-Score5
WACC10.6%
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)6525%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%162.16%
EPS Next Y-7.92%
EPS Next 2Y7.58%
EPS Next 3Y11.1%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.59%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%5.1%
Revenue Next Year6.87%
Revenue Next 2Y6.87%
Revenue Next 3Y7.64%
Revenue Next 5YN/A
EBIT growth 1Y73.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29.98%
EBIT Next 3Y21.59%
EBIT Next 5YN/A
FCF growth 1Y119.13%
FCF growth 3YN/A
FCF growth 5Y16.66%
OCF growth 1Y82.1%
OCF growth 3Y63.23%
OCF growth 5Y13.95%