EXPENSIFY INC - A (EXFY)
US30219Q1067 - Common Stock
Overall EXFY gets a fundamental rating of 3 out of 10. We evaluated EXFY against 277 industry peers in the Software industry. EXFY may be in some trouble as it scores bad on both profitability and health. EXFY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
EXFY had negative 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.
1.2 Ratios
EXFY has a worse Return On Assets (-23.45%) than 68.84% of its industry peers.
EXFY has a worse Return On Equity (-41.15%) than 60.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -23.45% | ||
| ROE | -41.15% | ||
| ROIC | N/A |
ROA(3y)-14.57%
ROA(5y)-9.13%
ROE(3y)-28.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
EXFY's Gross Margin of 55.62% is on the low side compared to the rest of the industry. EXFY is outperformed by 63.04% of its industry peers.
EXFY's Gross Margin has declined in the last couple of years.
EXFY does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 55.62% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.19%
GM growth 5YN/A
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 debt/assets ratio for EXFY has been reduced compared to a year ago.
2.2 Solvency
EXFY has an Altman-Z score of 0.75. This is a bad value and indicates that EXFY is not financially healthy and even has some risk of bankruptcy.
EXFY has a Altman-Z score of 0.75. This is in the lower half of the industry: EXFY underperforms 63.77% of its industry peers.
EXFY has a Debt/Equity ratio of 0.15. This is a healthy value indicating a solid balance between debt and equity.
EXFY has a Debt to Equity ratio (0.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.75 |
ROIC/WACCN/A
WACC10.97%
2.3 Liquidity
A Current Ratio of 2.02 indicates that EXFY has no problem at all paying its short term obligations.
The Current ratio of EXFY (2.02) is comparable to the rest of the industry.
EXFY has a Quick Ratio of 2.02. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 2.02, EXFY is in line with its industry, outperforming 59.78% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.02 | ||
| Quick Ratio | 2.02 |
3. Growth
3.1 Past
EXFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -101.25%.
EXFY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -11.10%.
Measured over the past years, EXFY shows a quite strong growth in Revenue. The Revenue has been growing by 19.59% on average per year.
EPS 1Y (TTM)-101.25%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-58.89%
Revenue 1Y (TTM)-11.1%
Revenue growth 3Y19.59%
Revenue growth 5YN/A
Revenue growth Q2Q-19.01%
3.2 Future
The Earnings Per Share is expected to grow by 313.29% on average over the next years. This is a very strong growth
EXFY is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.36% yearly.
EPS Next Y4234.57%
EPS Next 2Y604.1%
EPS Next 3Y313.29%
EPS Next 5YN/A
Revenue Next Year-5.27%
Revenue Next 2Y0.36%
Revenue Next 3Y5.6%
Revenue Next 5Y20.36%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
EXFY is valuated reasonably with a Price/Forward Earnings ratio of 10.34.
Based on the Price/Forward Earnings ratio, EXFY is valued cheaper than 94.20% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.47. EXFY is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.34 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as EXFY's earnings are expected to grow with 313.29% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y604.1%
EPS Next 3Y313.29%
5. Dividend
5.1 Amount
EXFY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EXPENSIFY INC - A
NASDAQ:EXFY (5/16/2024, 7:00:02 PM)
After market: 1.75 +0.04 (+2.34%)1.71
-0.01 (-0.58%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap145.71M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
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Min EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 10.34 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -23.45% | ||
| ROE | -41.15% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 55.62% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.85
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.15 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.02 | ||
| Quick Ratio | 2.02 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-101.25%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y4234.57%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-11.1%
Revenue growth 3Y19.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y