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Expensify, Inc.(EXFY)Earnings, Financials & Key Ratios
EXFY•NASDAQ
$1.41
Price updated Jun 25, 2026
AboutExpensify, Inc. provides a cloud-based expense management software platform to individuals, small businesses, and corporations in the United States and internationally. The company's platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.Show more
- Revenue$142M+2.1%
- EBITDA-$10M-259.5%
- Net Income-$21M-112.7%
- EPS (Diluted)-0.23-91.7%
- Gross Margin50.34%-6.5%
- EBITDA Margin-6.73%-256.3%
- Operating Margin-12.68%-2053.2%
- Net Margin-15.05%-108.4%
- ROE-16.39%-86.6%
EXFY Price & Volume
Expensify, Inc. (EXFY) stock price & volume — 10-year historical chart
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Structural Revenue Contraction Challenges Expensify Growth Model
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial Position:Healthy
Cash Flow:Deteriorating
Primary Risk:Stagnant growth and competition
"Expensify faces significant headwinds as its viral adoption model struggles to maintain momentum, evidenced by a 5.8% year-over-year revenue decline in 2026Q1. While the company maintains a clean balance sheet with a low 0.04 debt-to-equity ratio, persistent operational losses and high stock-based compensation of $6 million per quarter continue to erode shareholder value. Investors should monitor whether the firm can stabilize its erratic free cash flow, which dropped to a negligible 0.0% margin in the most recent quarter, before considering a position."
Verdict Logic
the company's inability to generate consistent GAAP profitability, combined with a 5.8% revenue contraction and erratic free cash flow margins, suggests fundamental challenges to its long-term business model.
EXFY Growth Metrics
Expensify, Inc. (EXFY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years10.04%
3 Years-5.71%
TTM-1.25%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-117.7%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-670.18%
Return on Capital
10 Years-6.26%
5 Years-12.36%
3 Years-13.13%
Last Year-13.09%
EXFY Recent Earnings
Expensify, Inc. (EXFY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (33%)●Beat Revenue 4/12 qtrs (33%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.04+100.0%
$0.02
Rev
$34M-0.8%
$34M
Q1 2026
Feb 26, 2026Metric
Actual
Est
EPS
$0.03-175.0%
$0.04
Rev
$35M-0.9%
$36M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.04-13.3%
$0.05
Rev
$35M-1.2%
$35M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.02-136.8%
$0.05
Rev
$36M+0.3%
$36M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.04vs $0.02+100.0% | $34Mvs $34M-0.8% |
| Q1 2026 | Feb 26, 2026 | $0.03vs $0.04-175.0% | $35Mvs $36M-0.9% |
| Q4 2025 | Nov 6, 2025 | $0.04vs $0.05-13.3% | $35Mvs $35M-1.2% |
| Q3 2025 | Aug 7, 2025 | $0.02vs $0.05-136.8% | $36Mvs $36M+0.3% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Expensify, Inc. (EXFY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $1.41 | $118.83M | -6.13 | 2.06% | -15.05% | -16.39% | — | |
| $33.38 | $3.32B | 145.13 | 13.36% | 0.01% | 0% | — | |
| $144.78 | $5.21B | 37.31 | 19.72% | 15.27% | 30.9% | — | |
| $17.32 | $2.48B | 18.23 | 6.85% | 21.96% | 18.57% | — | |
| $24.56 | $7.3B | -175.43 | 61.88% | -5.82% | -2.38% | — | |
| $100.48 | $5.38B | 25.00 | 13.74% | 14.94% | 22.36% | — |
Compare EXFY vs Peers
Expensify, Inc. (EXFY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EXFY SEC Filings & Documents
Expensify, Inc. (EXFY) SEC filings — annual & quarterly reports (10-K, 10-Q)
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EXFY Frequently Asked Questions
Expensify, Inc. (EXFY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Expensify, Inc.'s revenue?
Expensify, Inc. (EXFY) reported $140.0M in revenue for fiscal year 2025. This represents a 74% increase from $80.5M in 2019.
How fast is Expensify, Inc. growing?
Expensify, Inc. (EXFY) grew revenue by 2.1% over the past year. Growth has been modest.
Is EXFY profitable?
Expensify, Inc. (EXFY) reported a net loss of $20.6M for fiscal year 2025.
Dividend & Returns
What is EXFY's return on equity?
Expensify, Inc. (EXFY) has a return on equity (ROE) of -16.4%. Negative ROE indicates the company is unprofitable.
What is Expensify, Inc.'s free cash flow?
Expensify, Inc. (EXFY) generated $13.7M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.