EXPENSIFY INC - A (EXFY) Fundamental Analysis & Valuation

NASDAQ:EXFY • US30219Q1067

Current stock price

0.8108 USD
-0.03 (-4.08%)
At close:
0.8108 USD
0 (0%)
After Hours:

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

  • 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 2025 0 20M -20M -40M

1.2 Ratios

  • With a Return On Assets value of -11.50%, EXFY is not doing good in the industry: 64.39% of the companies in the same industry are doing better.
  • EXFY has a Return On Equity of -16.11%. This is comparable to the rest of the industry: EXFY outperforms 42.45% of its industry peers.
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

  • Looking at the Gross Margin, with a value of 50.34%, EXFY is doing worse than 67.99% of the companies in the same industry.
  • 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

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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

  • EXFY has an Altman-Z score of 0.72. This is a bad value and indicates that EXFY is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 0.72, EXFY is doing worse than 62.95% of the companies in the same industry.
  • There is no outstanding debt for EXFY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 0.72
ROIC/WACCN/A
WACC10.94%
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

  • A Current Ratio of 3.30 indicates that EXFY has no problem at all paying its short term obligations.
  • With a decent Current ratio value of 3.30, EXFY is doing good in the industry, outperforming 75.90% of the companies in the same industry.
  • A Quick Ratio of 3.30 indicates that EXFY has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 3.30, EXFY is in the better half of the industry, outperforming 75.90% of the companies in the same industry.
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

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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
  • The Revenue has been growing slightly by 2.06% in the past year.
  • The Revenue has been growing by 10.03% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, EXFY will show a very strong growth in Earnings Per Share. The EPS will grow by 70.85% on average per year.
  • Based on estimates for the next years, EXFY will show a decrease in Revenue. The Revenue will decrease by -0.03% on average per year.
EPS Next Y240.01%
EPS Next 2Y70.85%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-1.09%
Revenue Next 2Y-0.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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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7

4. EXFY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 16.22, the valuation of EXFY can be described as correct.
  • Based on the Price/Earnings ratio, EXFY is valued a bit cheaper than the industry average as 75.18% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of EXFY to the average of the S&P500 Index (25.23), we can say EXFY is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 5.07 indicates a rather cheap valuation of EXFY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EXFY indicates a rather cheap valuation: EXFY is cheaper than 92.09% of the companies listed in the same industry.
  • EXFY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.51.
Industry RankSector Rank
PE 16.22
Fwd PE 5.07
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 cheaply inside the industry as 96.76% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.57
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

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

0

5. EXFY Dividend Analysis

5.1 Amount

  • No dividends for EXFY!.
Industry RankSector Rank
Dividend Yield 0%

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EXFY Fundamentals: All Metrics, Ratios and Statistics

EXPENSIFY INC - A

NASDAQ:EXFY (3/27/2026, 4:30:02 PM)

After market: 0.8108 0 (0%)

0.8108

-0.03 (-4.08%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners36.5%
Inst Owner Change-7.42%
Ins Owners17.14%
Ins Owner Change1.46%
Market Cap75.49M
Revenue(TTM)142.10M
Net Income(TTM)-21.39M
Analysts47.5
Price Target1.79 (120.77%)
Short Float %4.3%
Short Ratio3.62
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)0%
PT rev (3m)-38.23%
EPS NQ rev (1m)-33.33%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)-10.98%
EPS NY rev (3m)-10.98%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-0.36%
Revenue NY rev (1m)-1.65%
Revenue NY rev (3m)-1.65%
Valuation
Industry RankSector Rank
PE 16.22
Fwd PE 5.07
P/S 0.53
P/FCF 4.57
P/OCF 3.76
P/B 0.57
P/tB 0.63
EV/EBITDA N/A
EPS(TTM)0.05
EY6.17%
EPS(NY)0.16
Fwd EY19.71%
FCF(TTM)0.18
FCFY21.9%
OCF(TTM)0.22
OCFY26.61%
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 0.72
F-Score4
WACC10.94%
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-1.09%
Revenue Next 2Y-0.03%
Revenue Next 3YN/A
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.


Can you provide the valuation status for EXPENSIFY INC - A?

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


Can you provide the profitability details for EXPENSIFY INC - A?

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


What are the PE and PB ratios of EXPENSIFY INC - A (EXFY) stock?

The Price/Earnings (PE) ratio for EXPENSIFY INC - A (EXFY) is 16.22 and the Price/Book (PB) ratio is 0.57.