EXPENSIFY INC - A (EXFY) Fundamental Analysis & Valuation

NASDAQ:EXFY • US30219Q1067

1.02 USD
+0.03 (+2.71%)
At close: Mar 4, 2026
1.02 USD
0 (0%)
After Hours: 3/4/2026, 8:22:29 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

4

Overall EXFY gets a fundamental rating of 4 out of 10. We evaluated EXFY against 276 industry peers in the Software industry. While EXFY has a great health rating, there are worries on its profitability. EXFY is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

1

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.
  • Of the past 5 years EXFY 4 years had a positive operating cash flow.
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

  • Looking at the Return On Assets, with a value of -8.34%, EXFY is doing worse than 61.23% of the companies in the same industry.
  • With a Return On Equity value of -11.49%, EXFY perfoms like the industry average, outperforming 46.01% of the companies in the same industry.
Industry RankSector Rank
ROA -8.34%
ROE -11.49%
ROIC N/A
ROA(3y)-14.02%
ROA(5y)-10.29%
ROE(3y)-25.59%
ROE(5y)-21.32%
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

  • Looking at the Gross Margin, with a value of 50.78%, EXFY is doing worse than 68.12% 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 50.78%
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. 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 1.10. This is a bad value and indicates that EXFY is not financially healthy and even has some risk of bankruptcy.
  • EXFY's Altman-Z score of 1.10 is in line compared to the rest of the industry. EXFY outperforms 40.58% of its industry peers.
  • 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
Altman-Z 1.1
ROIC/WACCN/A
WACC11.37%
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 3.44. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 3.44, EXFY is in the better half of the industry, outperforming 76.09% of the companies in the same industry.
  • EXFY has a Quick Ratio of 3.44. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
  • EXFY has a Quick ratio of 3.44. This is in the better half of the industry: EXFY outperforms 76.81% of its industry peers.
Industry RankSector Rank
Current Ratio 3.44
Quick Ratio 3.44
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

2

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
EPS 1Y (TTM)-81.71%
EPS 3Y-47.24%
EPS 5YN/A
EPS Q2Q%-123.71%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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.
  • EXFY is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.03% yearly.
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.
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

  • The Price/Earnings ratio is 20.40, which indicates a rather expensive current valuation of EXFY.
  • Based on the Price/Earnings ratio, EXFY is valued a bit cheaper than 72.10% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.03. EXFY is valued slightly cheaper when compared to this.
  • With a Price/Forward Earnings ratio of 6.38, the valuation of EXFY can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of EXFY indicates a rather cheap valuation: EXFY is cheaper than 93.12% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.11, EXFY is valued rather cheaply.
Industry RankSector Rank
PE 20.4
Fwd PE 6.38
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 cheaper than 98.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.4
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

  • 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 70.85% in the coming years.
PEG (NY)0.08
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 (3/4/2026, 8:22:29 PM)

After market: 1.02 0 (0%)

1.02

+0.03 (+2.71%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners39.25%
Inst Owner Change-7.49%
Ins Owners16.79%
Ins Owner Change1.15%
Market Cap94.97M
Revenue(TTM)N/A
Net Income(TTM)-15.58M
Analysts47.5
Price Target1.79 (75.49%)
Short Float %4.56%
Short Ratio4.48
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)-101.89%
Min EPS beat(2)-175.41%
Max EPS beat(2)-28.37%
EPS beat(4)1
Avg EPS beat(4)-46.08%
Min EPS beat(4)-175.41%
Max EPS beat(4)45.41%
EPS beat(8)4
Avg EPS beat(8)2.25%
EPS beat(12)5
Avg EPS beat(12)-45.12%
EPS beat(16)6
Avg EPS beat(16)-59.67%
Revenue beat(2)0
Avg Revenue beat(2)-3.54%
Min Revenue beat(2)-3.89%
Max Revenue beat(2)-3.18%
Revenue beat(4)1
Avg Revenue beat(4)-2.11%
Min Revenue beat(4)-3.89%
Max Revenue beat(4)1.36%
Revenue beat(8)1
Avg Revenue beat(8)-3.67%
Revenue beat(12)1
Avg Revenue beat(12)-4.94%
Revenue beat(16)3
Avg Revenue beat(16)-4.32%
PT rev (1m)0%
PT rev (3m)-38.23%
EPS NQ rev (1m)-12.33%
EPS NQ rev (3m)-30.42%
EPS NY rev (1m)0%
EPS NY rev (3m)-14.02%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-0.2%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.96%
Valuation
Industry RankSector Rank
PE 20.4
Fwd PE 6.38
P/S 0.66
P/FCF 4.4
P/OCF 3.76
P/B 0.7
P/tB 0.78
EV/EBITDA N/A
EPS(TTM)0.05
EY4.9%
EPS(NY)0.16
Fwd EY15.67%
FCF(TTM)0.23
FCFY22.75%
OCF(TTM)0.27
OCFY26.63%
SpS1.55
BVpS1.46
TBVpS1.3
PEG (NY)0.08
PEG (5Y)N/A
Graham Number1.28
Profitability
Industry RankSector Rank
ROA -8.34%
ROE -11.49%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 50.78%
FCFM 15.01%
ROA(3y)-14.02%
ROA(5y)-10.29%
ROE(3y)-25.59%
ROE(5y)-21.32%
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-4.78%
GM growth 5Y-2.22%
F-Score6
Asset Turnover0.77
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 45.27%
Cap/Sales 2.56%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.44
Quick Ratio 3.44
Altman-Z 1.1
F-Score6
WACC11.37%
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)-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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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-87.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-26.63%
EBIT Next 3Y2.23%
EBIT Next 5YN/A
FCF growth 1Y599.13%
FCF growth 3YN/A
FCF growth 5Y16.66%
OCF growth 1Y189.02%
OCF growth 3Y63.23%
OCF growth 5Y13.95%

EXPENSIFY INC - A / EXFY 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 1 / 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 20.4 and the Price/Book (PB) ratio is 0.7.