1.68 USD
+0.12 (+7.69%)
1.64 USD
-0.04 (-2.38%)
EXFY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 280 industry peers in the Software industry. No worries on liquidiy or solvency for EXFY as it has an excellent financial health rating, but there are worries on the 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.
EXFY had negative earnings in each of the past 5 years.
In the past 5 years EXFY always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -8.97%, EXFY is doing worse than 61.07% of the companies in the same industry.
EXFY has a Return On Equity of -12.15%. This is comparable to the rest of the industry: EXFY outperforms 47.50% of 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
The Gross Margin of EXFY (50.78%) is worse than 67.86% 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 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.
EXFY has more shares outstanding than it did 1 year ago.
EXFY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, EXFY has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 2.10 indicates that EXFY is not a great score, but indicates only limited risk for bankruptcy at the moment.
EXFY has a Altman-Z score (2.10) which 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 82.50% 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.
EXFY's Debt to Equity ratio of 0.00 is fine compared to the rest of the industry. EXFY outperforms 68.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 2.1 |
ROIC/WACCN/A
WACC11.18%
2.3 Liquidity
A Current Ratio of 3.60 indicates that EXFY has no problem at all paying its short term obligations.
The Current ratio of EXFY (3.60) is better than 80.00% of its industry peers.
EXFY has a Quick Ratio of 3.60. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
EXFY's Quick ratio of 3.60 is amongst the best of the industry. EXFY outperforms 80.36% 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.
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)-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
The Earnings Per Share is expected to decrease by -10.66% on average over the next years. This is quite bad
EXFY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.13% yearly.
EPS Next Y-50.09%
EPS Next 2Y-16.42%
EPS Next 3Y-10.66%
EPS Next 5YN/A
Revenue Next Year1.86%
Revenue Next 2Y1.22%
Revenue Next 3Y2.13%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 9.88, the valuation of EXFY can be described as very reasonable.
88.21% of the companies in the same industry are more expensive than EXFY, based on the Price/Earnings ratio.
EXFY is valuated cheaply when we compare the Price/Earnings ratio to 26.76, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.36, the valuation of EXFY can be described as very reasonable.
EXFY's Price/Forward Earnings ratio is rather cheap when compared to the industry. EXFY is cheaper than 89.64% of the companies 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 23.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 9.36 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, EXFY is valued cheaply inside the industry as 97.50% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.24 | ||
| 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
EXFY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
1.68
+0.12 (+7.69%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners39.22%
Inst Owner Change-5.68%
Ins Owners16.61%
Ins Owner Change2.82%
Market Cap156.31M
Revenue(TTM)143.91M
Net Income(TTM)-15.58M
Analysts78
Price Target2.89 (72.02%)
Short Float %3.74%
Short Ratio4.98
Dividend
| Industry Rank | Sector 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)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)-10.53%
PT rev (3m)-10.53%
EPS NQ rev (1m)-20.63%
EPS NQ rev (3m)-24.88%
EPS NY rev (1m)-14.02%
EPS NY rev (3m)-29.55%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.21%
Revenue NY rev (1m)-0.98%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.88 | ||
| Fwd PE | 9.36 | ||
| P/S | 1.09 | ||
| P/FCF | 7.24 | ||
| P/OCF | 6.18 | ||
| P/B | 1.22 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.17
EY10.12%
EPS(NY)0.18
Fwd EY10.69%
FCF(TTM)0.23
FCFY13.82%
OCF(TTM)0.27
OCFY16.18%
SpS1.55
BVpS1.38
TBVpS1.2
PEG (NY)N/A
PEG (5Y)N/A
Graham Number2.3
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -8.97% | ||
| ROE | -12.15% | ||
| 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-Score7
Asset Turnover0.83
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| 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 | 3.6 | ||
| Quick Ratio | 3.6 | ||
| Altman-Z | 2.1 |
F-Score7
WACC11.18%
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)-15.23%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-33.33%
EPS Next Y-50.09%
EPS Next 2Y-16.42%
EPS Next 3Y-10.66%
EPS Next 5YN/A
Revenue 1Y (TTM)4.71%
Revenue growth 3Y-0.84%
Revenue growth 5Y11.58%
Sales Q2Q%-0.97%
Revenue Next Year1.86%
Revenue Next 2Y1.22%
Revenue Next 3Y2.13%
Revenue Next 5YN/A
EBIT growth 1Y-87.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-22.9%
EBIT Next 3Y7.54%
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.
What is the valuation status for EXFY stock?
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.
How financially healthy is EXPENSIFY INC - A?
The financial health rating of EXPENSIFY INC - A (EXFY) is 7 / 10.
What is the earnings growth outlook for EXPENSIFY INC - A?
The Earnings per Share (EPS) of EXPENSIFY INC - A (EXFY) is expected to decline by -50.09% in the next year.