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EXPENSIFY INC - A (EXFY) Stock Fundamental Analysis

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

2.32  0 (0%)

Fundamental Rating

4

EXFY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 283 industry peers in the Software industry. While EXFY has a great health rating, there are worries on its profitability. EXFY has a decent growth rate and is not valued too expensively.


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

The Return On Assets of EXFY (-9.05%) is comparable to the rest of the industry.
EXFY's Return On Equity of -13.30% is in line compared to the rest of the industry. EXFY outperforms 47.35% 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 has a Gross Margin of 54.45%. This is in the lower half of the industry: EXFY underperforms 65.02% 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 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.
Compared to 1 year ago, EXFY has more shares outstanding
The number of shares outstanding for EXFY has been increased compared to 5 years ago.
EXFY has a better debt/assets ratio than last year.
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 2.35. 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 2.35, EXFY is in line with its industry, outperforming 54.77% of the companies in the same industry.
EXFY has a debt to FCF ratio of 0.04. This is a very positive value and a sign of high solvency as it would only need 0.04 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.04, EXFY belongs to the top of the industry, outperforming 81.98% of the companies in the same industry.
A Debt/Equity ratio of 0.00 indicates that EXFY is not too dependend on debt financing.
The Debt to Equity ratio of EXFY (0.00) is better than 68.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.04
Altman-Z 2.35
ROIC/WACCN/A
WACC11.13%
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.
The Current ratio of EXFY (2.87) is better than 74.20% of its industry peers.
A Quick Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.87, EXFY is in the better half of the industry, outperforming 75.27% of the companies in the same industry.
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 2007.14%, which is quite impressive.
EXFY shows a decrease in Revenue. In the last year, the revenue decreased by -7.60%.
Measured over the past years, EXFY shows a quite strong growth in Revenue. The Revenue has been growing by 11.58% on average per year.
EPS 1Y (TTM)2007.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%25%
Revenue 1Y (TTM)-7.6%
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 7.54% yearly.
EXFY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.78% yearly.
EPS Next Y-11.49%
EPS Next 2Y7.84%
EPS Next 3Y7.54%
EPS Next 5YN/A
Revenue Next Year5.13%
Revenue Next 2Y5.29%
Revenue Next 3Y6.78%
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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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.59, which indicates a very decent valuation of EXFY.
EXFY's Price/Earnings ratio is rather cheap when compared to the industry. EXFY is cheaper than 92.58% of the companies in the same industry.
When comparing the Price/Earnings ratio of EXFY to the average of the S&P500 Index (26.03), we can say EXFY is valued rather cheaply.
The Price/Forward Earnings ratio is 7.76, which 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 94.70% 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 21.94.
Industry RankSector Rank
PE 8.59
Fwd PE 7.76
EXFY Price Earnings VS Forward Price EarningsEXFY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, EXFY is valued a bit cheaper than 72.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF 31.65
EV/EBITDA N/A
EXFY Per share dataEXFY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 1

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y7.84%
EPS Next 3Y7.54%

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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 (5/22/2025, 10:06:53 AM)

2.32

0 (0%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners38.87%
Inst Owner Change7.4%
Ins Owners23.08%
Ins Owner Change1.18%
Market Cap214.32M
Analysts78.18
Price Target4.59 (97.84%)
Short Float %1.21%
Short Ratio1.73
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)0%
PT rev (3m)3.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.88%
EPS NY rev (3m)-7.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.63%
Revenue NY rev (3m)-0.88%
Valuation
Industry RankSector Rank
PE 8.59
Fwd PE 7.76
P/S 1.56
P/FCF 31.65
P/OCF 13.45
P/B 1.79
P/tB 2.08
EV/EBITDA N/A
EPS(TTM)0.27
EY11.64%
EPS(NY)0.3
Fwd EY12.88%
FCF(TTM)0.07
FCFY3.16%
OCF(TTM)0.17
OCFY7.43%
SpS1.49
BVpS1.3
TBVpS1.12
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 2.35
F-Score5
WACC11.13%
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-11.49%
EPS Next 2Y7.84%
EPS Next 3Y7.54%
EPS Next 5YN/A
Revenue 1Y (TTM)-7.6%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%7.57%
Revenue Next Year5.13%
Revenue Next 2Y5.29%
Revenue Next 3Y6.78%
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%