EXPENSIFY INC - A (EXFY) Fundamental Analysis & Valuation

NASDAQ:EXFY • US30219Q1067

Current stock price

0.8292 USD
-0.02 (-2.45%)
Last:

This EXFY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. EXFY Profitability Analysis

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.
  • 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 2025 0 20M -20M -40M

1.2 Ratios

  • The Return On Assets of EXFY (-11.50%) is worse than 65.09% of its industry peers.
  • The Return On Equity of EXFY (-16.11%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA -11.5%
ROE -16.11%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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 2025 0 -10 -20 -30 -40

1.3 Margins

  • EXFY has a worse Gross Margin (50.34%) than 69.09% 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 50.34%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-7.21%
GM growth 5Y-4.46%
EXFY Yearly Profit, Operating, Gross MarginsEXFY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. EXFY Health Analysis

2.1 Basic Checks

  • EXFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • EXFY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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

  • Based on the Altman-Z score of 0.71, we must say that EXFY is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.71, EXFY is not doing good in the industry: 64.73% of the companies in the same industry are doing better.
  • EXFY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 0.71
ROIC/WACCN/A
WACC10.98%
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 2025 0 20M 40M 60M 80M 100M

2.3 Liquidity

  • EXFY has a Current Ratio of 3.30. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of EXFY (3.30) is better than 75.27% of its industry peers.
  • EXFY has a Quick Ratio of 3.30. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
  • EXFY has a better Quick ratio (3.30) than 75.27% of its industry peers.
Industry RankSector Rank
Current Ratio 3.3
Quick Ratio 3.3
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

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. EXFY Growth Analysis

3.1 Past

  • The earnings per share for EXFY have decreased strongly by -81.71% in the last year.
  • The earnings per share for EXFY have been decreasing by -47.24% on average. This is quite bad
  • Looking at the last year, EXFY shows a small growth in Revenue. The Revenue has grown by 2.06% in the last year.
  • EXFY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.03% yearly.
EPS 1Y (TTM)-81.71%
EPS 3Y-47.24%
EPS 5YN/A
EPS Q2Q%-123.71%
Revenue 1Y (TTM)2.06%
Revenue growth 3Y-5.71%
Revenue growth 5Y10.03%
Sales Q2Q%-4.88%

3.2 Future

  • EXFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 70.85% yearly.
  • Based on estimates for the next years, EXFY will show a decrease in Revenue. The Revenue will decrease by -2.79% on average per year.
EPS Next Y240.01%
EPS Next 2Y70.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.86%
Revenue Next 2Y-0.88%
Revenue Next 3Y-2.79%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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 2028 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

More info and screens

Find the best growth stocksShow best growing peers

7

4. EXFY Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 16.58, EXFY is valued correctly.
  • 75.27% of the companies in the same industry are more expensive than EXFY, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.21, EXFY is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 5.19, which indicates a rather cheap valuation of EXFY.
  • Based on the Price/Forward Earnings ratio, EXFY is valued cheaper than 92.36% of the companies in the same industry.
  • EXFY is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.58
Fwd PE 5.19
EXFY Price Earnings VS Forward Price EarningsEXFY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, EXFY is valued cheaper than 97.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.67
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

  • EXFY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • EXFY's earnings are expected to grow with 70.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y70.85%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. EXFY Dividend Analysis

5.1 Amount

  • EXFY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

EXFY Fundamentals: All Metrics, Ratios and Statistics

EXPENSIFY INC - A

NASDAQ:EXFY (4/7/2026, 9:32:31 PM)

0.8292

-0.02 (-2.45%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners36.5%
Inst Owner Change0%
Ins Owners17.14%
Ins Owner Change1.43%
Market Cap77.21M
Revenue(TTM)142.10M
Net Income(TTM)-21.39M
Analysts47.5
Price Target1.53 (84.52%)
Short Float %5.85%
Short Ratio4.11
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-89.24%
Min EPS beat(2)-150.11%
Max EPS beat(2)-28.37%
EPS beat(4)0
Avg EPS beat(4)-94.96%
Min EPS beat(4)-175.41%
Max EPS beat(4)-25.95%
EPS beat(8)3
Avg EPS beat(8)-38.41%
EPS beat(12)4
Avg EPS beat(12)-60.35%
EPS beat(16)6
Avg EPS beat(16)-41.89%
Revenue beat(2)0
Avg Revenue beat(2)-3.34%
Min Revenue beat(2)-3.89%
Max Revenue beat(2)-2.78%
Revenue beat(4)0
Avg Revenue beat(4)-3.14%
Min Revenue beat(4)-3.89%
Max Revenue beat(4)-2.71%
Revenue beat(8)1
Avg Revenue beat(8)-3.65%
Revenue beat(12)1
Avg Revenue beat(12)-4.84%
Revenue beat(16)2
Avg Revenue beat(16)-4.61%
PT rev (1m)-14.29%
PT rev (3m)-14.29%
EPS NQ rev (1m)-38.61%
EPS NQ rev (3m)-44.45%
EPS NY rev (1m)0%
EPS NY rev (3m)-10.98%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)-0.78%
Revenue NY rev (3m)-2.41%
Valuation
Industry RankSector Rank
PE 16.58
Fwd PE 5.19
P/S 0.54
P/FCF 4.67
P/OCF 3.84
P/B 0.58
P/tB 0.65
EV/EBITDA N/A
EPS(TTM)0.05
EY6.03%
EPS(NY)0.16
Fwd EY19.27%
FCF(TTM)0.18
FCFY21.42%
OCF(TTM)0.22
OCFY26.02%
SpS1.53
BVpS1.43
TBVpS1.28
PEG (NY)0.07
PEG (5Y)N/A
Graham Number1.27
Profitability
Industry RankSector Rank
ROA -11.5%
ROE -16.11%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 50.34%
FCFM 11.64%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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-7.21%
GM growth 5Y-4.46%
F-Score4
Asset Turnover0.76
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 42.02%
Cap/Sales 2.5%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.3
Quick Ratio 3.3
Altman-Z 0.71
F-Score4
WACC10.98%
ROIC/WACCN/A
Cap/Depr(3y)98.4%
Cap/Depr(5y)96.48%
Cap/Sales(3y)4.27%
Cap/Sales(5y)3.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-81.71%
EPS 3Y-47.24%
EPS 5YN/A
EPS Q2Q%-123.71%
EPS Next Y240.01%
EPS Next 2Y70.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.06%
Revenue growth 3Y-5.71%
Revenue growth 5Y10.03%
Sales Q2Q%-4.88%
Revenue Next Year-1.86%
Revenue Next 2Y-0.88%
Revenue Next 3Y-2.79%
Revenue Next 5YN/A
EBIT growth 1Y-2094.76%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year116.19%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.75%
FCF growth 3Y-18.62%
FCF growth 5Y38.11%
OCF growth 1Y-15.86%
OCF growth 3Y-15.15%
OCF growth 5Y21.49%

EXPENSIFY INC - A / EXFY Fundamental Analysis 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 of EXPENSIFY INC - A (EXFY) stock?

ChartMill assigns a valuation rating of 7 / 10 to EXPENSIFY INC - A (EXFY). This can be considered as Undervalued.


What is the profitability of EXFY stock?

EXPENSIFY INC - A (EXFY) has a profitability rating of 2 / 10.


Can you provide the financial health for EXFY stock?

The financial health rating of EXPENSIFY INC - A (EXFY) is 6 / 10.