1.5 USD
-0.02 (-1.32%)
1.4813 USD
-0.02 (-1.25%)
We assign a fundamental rating of 4 out of 10 to EXFY. EXFY was compared to 278 industry peers in the Software industry. While EXFY has a great health rating, there are worries on its profitability. EXFY is valued correctly, but it does not seem to be growing.
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.
1.2 Ratios
- The Return On Assets of EXFY (-8.97%) is worse than 61.87% of its industry peers.
- EXFY has a Return On Equity (-12.15%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.97% | ||
| ROE | -12.15% | ||
| 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
1.3 Margins
- Looking at the Gross Margin, with a value of 50.78%, EXFY is doing worse than 68.70% of the companies in the same industry.
- 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 | 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%
2. Health
2.1 Basic Checks
- EXFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for EXFY has been increased compared to 1 year ago.
- The number of shares outstanding for EXFY has been increased compared to 5 years ago.
- The debt/assets ratio for EXFY has been reduced compared to a year ago.
2.2 Solvency
- EXFY has an Altman-Z score of 1.90. 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.
- The Altman-Z score of EXFY (1.90) is comparable to the rest of the industry.
- The Debt to FCF ratio of EXFY is 0.01, which is an excellent value as it means it would take EXFY, only 0.01 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of EXFY (0.01) is better than 82.01% of its industry peers.
- EXFY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
- The Debt to Equity ratio of EXFY (0.00) is better than 68.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 1.9 |
ROIC/WACCN/A
WACC11.36%
2.3 Liquidity
- EXFY has a Current Ratio of 3.60. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
- The Current ratio of EXFY (3.60) is better than 79.14% of its industry peers.
- A Quick Ratio of 3.60 indicates that EXFY has no problem at all paying its short term obligations.
- EXFY's Quick ratio of 3.60 is fine compared to the rest of the industry. EXFY outperforms 79.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.6 | ||
| Quick Ratio | 3.6 |
3. Growth
3.1 Past
- EXFY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.23%.
- Looking at the last year, EXFY shows a small growth in Revenue. The Revenue has grown by 4.71% in the last year.
- The Revenue has been growing by 11.58% on average over the past years. This is quite good.
EPS 1Y (TTM)-15.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
Revenue 1Y (TTM)4.71%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%-0.97%
3.2 Future
- EXFY is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.66% yearly.
- The Revenue is expected to grow by 2.13% on average over the next years.
EPS Next Y-50.09%
EPS Next 2Y-16.42%
EPS Next 3Y-10.66%
EPS Next 5YN/A
Revenue Next Year1.88%
Revenue Next 2Y1.22%
Revenue Next 3Y2.13%
Revenue Next 5YN/A
3.3 Evolution
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 8.82, which indicates a very decent valuation of EXFY.
- Based on the Price/Earnings ratio, EXFY is valued cheaply inside the industry as 89.57% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of EXFY to the average of the S&P500 Index (28.87), we can say EXFY is valued rather cheaply.
- With a Price/Forward Earnings ratio of 8.36, the valuation of EXFY can be described as very reasonable.
- 90.65% of the companies in the same industry are more expensive than EXFY, based on the Price/Forward Earnings ratio.
- EXFY is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.96, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.82 | ||
| Fwd PE | 8.36 |
4.2 Price Multiples
- EXFY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. EXFY is cheaper than 96.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.46 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- EXFY's earnings are expected to decrease with -10.66% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.42%
EPS Next 3Y-10.66%
5. Dividend
5.1 Amount
- No dividends for EXFY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 6 / 10 to EXPENSIFY INC - A (EXFY). This can be considered as Fairly Valued.
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 8.82 and the Price/Book (PB) ratio is 1.09.