Companies ›Information Technology ›EXFY.O

EXFY.O — NASDAQ Software

Expensify Inc

$1,86

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Mcap

188,2M USD

P/E

—

EV / Rev

—

Div yield

—

Op margin

-12,7 %

ROE

-16,1 %

Net margin

-15,1 %

Debt / equity

0,00

Beta

—

52w range

—

Volume

7,1k

Day range

$1,13–$1,17

Prev close

$1,15

Open

$1,15

Next earnings

2026-07-28

Ex-dividend

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TR 1Y

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About

Expensify Inc provides software solutions for expense management and business spending, primarily serving businesses to automate and streamline financial processes.

Business. Expensify Inc (EXFY.O) is a software company operating within the Technology sector, specifically providing software solutions on a subscription basis. The firm is headquartered in the United States and is listed under the ticker EXFY.O. No specific operating segments or geographic revenue breakdowns are disclosed in the available data.

Classification92 %

SectorTechnology

Business sectorSoftware & IT Services

IndustrySoftware

Generated · model-assisted

Sell-side consensus

HOLD3 analysts

0 buy3 hold0 sell

Avg 12m price target1,50

Analyst recommendations

3 analysts · consensus Hold

Buy0

Hold3

Sell0

12-month price target

1,50

Consensus of sell-side coverage.

Upcoming events

EarningsQ2 2026 earnings (expected)2026-07-28 · estimated

See all catalysts →

At a glance

Score→

composite score

Valuation

—

valuation pending

Analysts→

Hold

3 analysts · indicative

Ownership→

AQR Capital Management, LLC

largest disclosed fund holder

quality score (0-100)

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

No recent newsroom coverage mentioning EXFY.

Sector rotation

Sector1D1Mvs mkt

Materials+2,2 %+1,6 %+2,4 %

Energy+1,2 %+5,3 %+1,4 %

Real Estate+0,7 %+4,1 %+0,8 %

Health Care+0,6 %−0,5 %+0,8 %

Consumer Discretionary+0,3 %+8,7 %+0,5 %

Information Technology · THIS SECTOR−0,3 %+6,5 %−0,1 %

Financials−0,3 %−4,5 %−0,1 %

Consumer Staples−1,0 %+3,0 %−0,8 %

Utilities−1,5 %−21,2 %−1,3 %

Industrials−1,7 %−2,3 %−1,6 %

Communication Services———

Developing storylines

No tracked sagas currently linked to EXFY.O. Browse all sagas →

Analysis

AI analysis

Generated · analysis pipeline · tier hybrid · as of 2026-07-07 ↑ At a glance

Opportunity

— missing data

Upcoming catalysts

Scheduled public events. Informational only — not investment advice.

Company
EarningsQ2 2026 earnings (expected)2026-07-28 · estimated
Peers
EarningsQ2 2026 earnings (expected)2026-07-28 · estimated · ServiceNow (NOW)
EarningsQ2 2026 earnings (expected)2026-08-28 · estimated · Salesforce (CRM)
Macro
Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
Macro & political
ElectionSE Swedish Election2026-09-14 · SE
ElectionUS U.S. Midterms2026-11-03 · US
ElectionFR French Legislative2027-06-01 · FR

Pre-earnings brief

— missing data

Signals & dispatch

peak dispatch · —

Composite-score breakdown

Composite score66 / 100

Composite score 0-100 · Data quality 0,60

Data quality0,60 / 1.00

Synthesis

Business

Expensify Inc (EXFY.O) is a software company operating within the Technology sector, specifically providing software solutions on a subscription basis. The firm is headquartered in the United States and is listed under the ticker EXFY.O. No specific operating segments or geographic revenue breakdowns are disclosed in the available data.

Classification92 %

SectorTechnology

Business sectorSoftware & IT Services

IndustrySoftware

AI synthesis

GENERATED

Expensify maintains a strong liquidity position with $63.08 million in cash and equivalents, representing 34% of total assets, and a current ratio of 3.3, indicating robust short-term financial health. The company's price-to-book ratio of 0.87 suggests the market values the firm below its book value, while the price-to-tangible-book ratio is identical, indicating no significant intangible asset premium.

Profitability metrics reveal a challenging operating environment, with a net loss of $21.39 million and an operating loss of $18.02 million. Return on equity (ROE) is negative at -16.11%, and return on assets (ROA) is also negative at -11.5%, both significantly below industry norms for software firms. Gross profit of $71.53 million represents a 50.3% margin, which is in line with the industry median for SaaS businesses but is not sufficient to offset operating costs.

The company's revenue is concentrated in a single business segment, with no disclosed geographic breakdown. This lack of diversification increases exposure to sector-specific risks, particularly in the software industry where customer churn and product innovation are critical. No material geographic revenue concentration is reported, but the absence of segment details limits visibility into regional performance.

Looking ahead, the company is projected to maintain flat revenue in the current fiscal year, with no significant growth expected in the next fiscal year. This aligns with the current operating cash flow of $20.09 million, which is insufficient to cover the $16.51 million in free cash outflows. The company's capital expenditure of $3.56 million is minimal, suggesting a conservative approach to infrastructure investment.

Risk factors include the company's negative net income and operating income, which could pressure liquidity if cash burn accelerates. However, the dilution risk is currently low, with no immediate filing-based flags detected. The company's debt-to-equity ratio is 0.0, indicating no leverage, which reduces financial risk but also limits potential for capital efficiency. No recent filings or transcripts have been identified that would suggest material changes in the company's strategic or financial direction.

Key takeaways

Expensify has strong liquidity with $63.08 million in cash and a current ratio of 3.3.
The company is unprofitable, with a net loss of $21.39 million and ROE of -16.11%.
Revenue is concentrated in a single business segment, increasing sector-specific risk.
Analysts have a neutral outlook, with a mean price target of $1.50 and no strong buy recommendations.
The company has no leverage, reducing financial risk but also limiting capital efficiency.

Bull / Bear case

Generated · model-assisted

— missing data

In focus — financials by report

Valuation

Market price

$1,86

Market cap

$115.2M

Enterprise valueⓘ

$52.2M

P/Eⓘ

—

Non-GAAP P/Eⓘ

—

EV / Revenueⓘ

—

EV / Op incomeⓘ

—

EV / OCFⓘ

2.6x

P / Bⓘ

0.9x

P / Tangible bookⓘ

0.9x

Tangible book

$132.7M

Net cashⓘ

$63.0M

Current ratioⓘ

3.3

Debt / equityⓘ

0.0

ROAⓘ

-11.5%

ROEⓘ

-16.1%

Cash conversionⓘ

-94.0%

CapEx / revenueⓘ

-2.5%

SBC / revenueⓘ

—

Dilution ratioⓘ

0.0%