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Company Analysis

Expensify, Inc. EXFY

A comprehensive view of key metrics, scores, and financial health for Expensify, Inc.

Overview of Expensify, Inc.

EXFY NMS
Technology Software - Application Micro Cap
Expensify, Inc. (EXFY), is a Micro Cap company, in the Software - Application industry, last closed at $0.81, about 753.1% undervalued vs fair value, -75.9% 1Y return, ranked 398/761 in sector.
$0.81
-0.86%
As of March 13, 2026
Previous close • Vol 90d: 72.7%
Market Cap
$75.19M
Enterprise Value
$19.67M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.expensify.com
HQ San Francisco, CA
Employees 115
Fiscal year Dec 31

Next Events

Earnings May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$6
$7
$8
Current: $0.81 +753% vs base

Engine Room Money Flow™

Micro Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$139.2M
-7.6%%
Gross Profit
$75.0M
-10.5%%
Operating Income
$-820.0K
97.5%%
Net Income
$-10.1M
75.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
-161.6%
Poor

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$24.3M
149.8% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
4
Active Leaks
2/4
Improving
0
High Impact
3
Critical
Locked Leak
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Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Expensify, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
48
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing EXFY's balance between Growth (23.3%), Profitability (34.6%), and Safety (42.2%). Growth 23% Safety 42% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

31th percentile vs peers
31
Key Signals
EPS Growth YoY 77.1% 75p Revenue CAGR 3Y -0.9% 23p Rev Growth YoY -7.6% 19p
Strengths
  • Current Ratio in top 20% of peers (3.60, 80th percentile)
  • Strong liquidity position vs peers
Risks
  • Rev Growth Yoy in bottom 20% of peers (-7.6%)
  • Growth below peer median (percentile: 31)

Profitability

46th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

56th percentile vs peers
57
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Expensify, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.91
- - -
+753.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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