EXFY vs MSFT vs AAPL vs BILL

For growth investors, Microsoft Corporation (MSFT) is the stronger pick with 14.

9% revenue growth year-over-year, versus 2. 1% for Expensify, Inc. (EXFY). Microsoft Corporation (MSFT) offers the better valuation at 30. 4x trailing P/E (24. 8x forward), making it the more compelling value choice. Analysts rate Expensify, Inc. (EXFY) a "Buy" — based on 9 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Microsoft Corporation (MSFT) is the cheapest at 30.

4x versus Bill. com Holdings, Inc. at 181. 9x. On forward P/E, Expensify, Inc. is actually cheaper at 17. 1x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Microsoft Corporation wins at 1. 32x versus Apple Inc. 's 1. 89x — a reasonable growth-adjusted valuation.

Over the past 5 years, Apple Inc.

(AAPL) delivered a total return of +134. 8%, compared to -97. 5% for Expensify, Inc. (EXFY). Over 10 years, the gap is even starker: AAPL returned +1199% versus EXFY's -97. 5%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Microsoft Corporation (MSFT) is the lower-risk stock at 0.

85β versus Bill. com Holdings, Inc. 's 1. 88β — meaning BILL is approximately 120% more volatile than MSFT relative to the S&P 500. On balance sheet safety, Expensify, Inc. (EXFY) carries a lower debt/equity ratio of 4% versus 152% for Apple Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), Microsoft Corporation (MSFT) is pulling ahead at 14.

9% versus 2. 1% for Expensify, Inc. (EXFY). On earnings-per-share growth, the picture is similar: Bill. com Holdings, Inc. grew EPS 185. 2% year-over-year, compared to -91. 7% for Expensify, Inc.. Over a 3-year CAGR, BILL leads at 31. 6% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Microsoft Corporation (MSFT) is the more profitable company, earning 36.

1% net margin versus -15. 1% for Expensify, Inc. — meaning it keeps 36. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MSFT leads at 45. 6% versus -12. 7% for EXFY. At the gross margin level — before operating expenses — BILL leads at 81. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Microsoft Corporation (MSFT) is the more undervalued stock at a PEG of 1. 32x versus Apple Inc. 's 1. 89x. A PEG below 1. 5 suggests fair-to-attractive pricing relative to expected growth. On forward earnings alone, Expensify, Inc. (EXFY) trades at 17. 1x forward P/E versus 33. 7x for Apple Inc. — 16. 6x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EXFY: 1241. 5% to $13. 75.

In this comparison, MSFT (0.

8% yield), AAPL (0. 4% yield) pay a dividend. EXFY, BILL do not pay a meaningful dividend and should not be held primarily for income.

For long-horizon retirement investors, Microsoft Corporation (MSFT) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.

85), 0. 8% yield, +776. 0% 10Y return). Bill. com Holdings, Inc. (BILL) carries a higher beta of 1. 88 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (MSFT: +776. 0%, BILL: +17. 8%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

MSFT pays a dividend while EXFY, AAPL, BILL do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.