| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Sales/Revenue | 80.46M | 88.07M | 142.84M | 169.5M | 150.69M | 139.24M |
| Revenue Growth % | - | 0.09% | 0.62% | 0.19% | -0.11% | -0.08% |
| Cost of Goods Sold | 31.98M | 32.41M | 53.69M | 62.67M | 66.89M | 64.24M |
| COGS % of Revenue | 0.4% | 0.37% | 0.38% | 0.37% | 0.44% | 0.46% |
| Gross Profit | 48.48M | 55.66M | 89.14M | 106.83M | 83.8M | 75M |
| Gross Margin % | 0.6% | 0.63% | 0.62% | 0.63% | 0.56% | 0.54% |
| Gross Profit Growth % | - | 0.15% | 0.6% | 0.2% | -0.22% | -0.11% |
| Operating Expenses | 47.23M | 49.99M | 99.39M | 122.06M | 116.95M | 75.82M |
| OpEx % of Revenue | 0.59% | 0.57% | 0.7% | 0.72% | 0.78% | 0.54% |
| Selling, General & Admin | 43.12M | 43.26M | 88.41M | 108.37M | 93.58M | 51.18M |
| SG&A % of Revenue | 0.54% | 0.49% | 0.62% | 0.64% | 0.62% | 0.37% |
| Research & Development | 4.11M | 6.73M | 10.99M | 13.69M | 23.37M | 24.64M |
| R&D % of Revenue | 0.05% | 0.08% | 0.08% | 0.08% | 0.16% | 0.18% |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Operating Income | 1.25M | 5.67M | -10.25M | -15.23M | -33.15M | -820K |
| Operating Margin % | 0.02% | 0.06% | -0.07% | -0.09% | -0.22% | -0.01% |
| Operating Income Growth % | - | 3.55% | -2.81% | -0.49% | -1.18% | 0.98% |
| EBITDA | 4.09M | 8.09M | -5.05M | -9.18M | -27.98M | 5.99M |
| EBITDA Margin % | 0.05% | 0.09% | -0.04% | -0.05% | -0.19% | 0.04% |
| EBITDA Growth % | - | 0.98% | -1.62% | -0.82% | -2.05% | 1.21% |
| D&A (Non-Cash Add-back) | 2.85M | 2.42M | 5.2M | 6.05M | 5.16M | 6.81M |
| EBIT | 1.25M | 5.67M | -10.25M | -15.23M | -33.15M | -820K |
| Net Interest Income | -2.76M | -2.72M | -3.48M | -5.41M | -5.33M | -1.57M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 2.76M | 2.72M | 3.48M | 5.41M | 5.33M | 1.57M |
| Other Income/Expense | -2.76M | -2.72M | -3.48M | -5.41M | -5.33M | -1.57M |
| Pretax Income | -1.51M | 2.95M | -13.73M | -20.64M | -38.48M | -2.39M |
| Pretax Margin % | -0.02% | 0.03% | -0.1% | -0.12% | -0.26% | -0.02% |
| Income Tax | -2.75M | 4.66M | -174K | 6.37M | 2.98M | 7.66M |
| Effective Tax Rate % | -0.82% | -0.58% | 0.99% | 1.31% | 1.08% | 4.2% |
| Net Income | 1.24M | -1.71M | -13.56M | -27.01M | -41.46M | -10.05M |
| Net Margin % | 0.02% | -0.02% | -0.09% | -0.16% | -0.28% | -0.07% |
| Net Income Growth % | - | -2.38% | -6.93% | -0.99% | -0.53% | 0.76% |
| Net Income (Continuing) | 1.24M | -1.71M | -13.56M | -27.01M | -41.46M | -10.05M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.04 | -0.05 | -0.17 | -0.33 | -0.50 | -0.12 |
| EPS Growth % | - | -2.33% | -2.45% | -0.94% | -0.52% | 0.76% |
| EPS (Basic) | 0.04 | -0.06 | -0.17 | -0.33 | -0.50 | -0.12 |
| Diluted Shares Outstanding | 33.4M | 34.7M | 81.4M | 80.79M | 82.49M | 87.38M |
| Basic Shares Outstanding | 33.4M | 29.53M | 81.4M | 80.79M | 82.49M | 87.38M |
| Dividend Payout Ratio | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 50.51M | 63.66M | 157.64M | 187.12M | 137.23M | 136.88M |
| Cash & Short-Term Investments | 9.99M | 34.4M | 98.4M | 103.79M | 47.51M | 48.77M |
| Cash Only | 9.99M | 34.4M | 98.4M | 103.79M | 47.51M | 48.77M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 7.99M | 11.82M | 21.15M | 18.92M | 16.83M | 13.13M |
| Days Sales Outstanding | 36.25 | 49 | 54.04 | 40.74 | 40.76 | 34.42 |
| Inventory | 0 | 0 | 0 | 8.82M | 0 | 0 |
| Days Inventory Outstanding | - | - | - | 51.4 | - | - |
| Other Current Assets | 31.33M | 16.51M | 30.66M | 46.76M | 67.25M | 62.88M |
| Total Non-Current Assets | 26.09M | 24.07M | 25.57M | 23.13M | 39.55M | 36.8M |
| Property, Plant & Equipment | 18.87M | 19.1M | 18.13M | 15.24M | 20.81M | 19.06M |
| Fixed Asset Turnover | 4.26x | 4.61x | 7.88x | 11.12x | 7.24x | 7.30x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 2.95M | 3.72M | 6.36M | 6.88M | 12.49M | 16.23M |
| Long-Term Investments | 0 | 48K | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 1.41M | 785K | 710K | 664K | 6.25M | 1.01M |
| Total Assets | 76.6M | 87.73M | 183.21M | 210.24M | 176.78M | 173.68M |
| Asset Turnover | 1.05x | 1.00x | 0.78x | 0.81x | 0.85x | 0.80x |
| Asset Growth % | - | 0.15% | 1.09% | 0.15% | -0.16% | -0.02% |
| Total Current Liabilities | 44.6M | 39.2M | 53.58M | 60.36M | 67.89M | 38.01M |
| Accounts Payable | 3.04M | 2.33M | 3.75M | 1.06M | 1.43M | 196K |
| Days Payables Outstanding | 34.73 | 26.21 | 25.51 | 6.17 | 7.78 | 1.11 |
| Short-Term Debt | 6.89M | 19.03M | 15.55M | 15.55M | 22.66M | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 31.29M | 17.84M | 24.58M | 42.76M | 43.18M | 29.86M |
| Current Ratio | 1.13x | 1.62x | 2.94x | 3.10x | 2.02x | 3.60x |
| Quick Ratio | 1.13x | 1.62x | 2.94x | 2.95x | 2.02x | 3.60x |
| Cash Conversion Cycle | - | - | - | 85.97 | - | - |
| Total Non-Current Liabilities | 80.45M | 34.46M | 53.02M | 52.64M | 8.15M | 7.43M |
| Long-Term Debt | 32.56M | 30.32M | 52.07M | 51.43M | 0 | 0 |
| Capital Lease Obligations | 2.79M | 2.35M | 802K | 0 | 6.47M | 5.74M |
| Deferred Tax Liabilities | 0 | 916K | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 45.1M | 877K | 153K | 1.2M | 1.68M | 1.69M |
| Total Liabilities | 125.06M | 73.66M | 106.6M | 113M | 76.04M | 45.44M |
| Total Debt | 44.3M | 51.7M | 69.97M | 67.78M | 29.55M | 6.47M |
| Net Debt | 34.3M | 17.3M | -28.43M | -36M | -17.96M | -42.3M |
| Debt / Equity | - | 3.67x | 0.91x | 0.70x | 0.29x | 0.05x |
| Debt / EBITDA | 10.82x | 6.39x | - | - | - | 1.08x |
| Net Debt / EBITDA | 8.38x | 2.14x | - | - | - | -7.06x |
| Interest Coverage | 0.45x | 2.09x | -2.95x | -2.82x | -6.22x | -0.52x |
| Total Equity | -48.46M | 14.07M | 76.61M | 97.24M | 100.74M | 128.24M |
| Equity Growth % | - | 1.29% | 4.45% | 0.27% | 0.04% | 0.27% |
| Book Value per Share | -1.45 | 0.41 | 0.94 | 1.20 | 1.22 | 1.47 |
| Total Shareholders' Equity | -48.46M | 14.07M | 76.61M | 97.24M | 100.74M | 128.24M |
| Common Stock | 0 | 0 | 6K | 7K | 8K | 9K |
| Retained Earnings | -50.64M | -52.35M | -65.91M | -97.57M | -140.77M | -150.83M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 12.43M | 7.58M | 5.49M | 32.88M | 1.56M | 23.88M |
| Operating CF Margin % | 0.15% | 0.09% | 0.04% | 0.19% | 0.01% | 0.17% |
| Operating CF Growth % | - | -0.39% | -0.28% | 4.99% | -0.95% | 14.32% |
| Net Income | 1.24M | -1.71M | -13.56M | -27.01M | -41.46M | -10.05M |
| Depreciation & Amortization | 2.85M | 3.25M | 5.2M | 5.39M | 5.16M | 6.81M |
| Stock-Based Compensation | 1.71M | 17.84M | 14.57M | 52.33M | 41.21M | 33.54M |
| Deferred Taxes | -2.85M | 3.35M | -868K | 26K | -113K | -42K |
| Other Non-Cash Items | 1.28M | 1.5M | 1.09M | 1.59M | 1.79M | 1.33M |
| Working Capital Changes | 8.21M | -16.65M | -951K | 550K | -5.04M | -7.71M |
| Change in Receivables | -1.96M | -2.17M | -5.42M | -1.34M | 2.22M | 704K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 446K | -714K | 1.42M | -2.69M | 228K | -1.09M |
| Cash from Investing | -4.9M | -4.29M | -7.61M | -2.2M | -7.29M | -7.63M |
| Capital Expenditures | -4.91M | -4.3M | -2.71M | -2.2M | -1.38M | -7.63M |
| CapEx % of Revenue | 0.06% | 0.05% | 0.02% | 0.01% | 0.01% | 0.05% |
| Acquisitions | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - |
| Other Investing | -1.19M | -1.31M | -4.91M | 0 | -5.91M | 0 |
| Cash from Financing | 5.14M | 8.79M | 80.56M | -8.28M | -45.32M | -22.07M |
| Debt Issued (Net) | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - |
| Other Financing | 482K | 0 | 3.5M | -5.33M | -1.46M | -1.82M |
| Net Change in Cash | - | - | - | - | - | - |
| Free Cash Flow | 7.52M | 3.29M | -2.13M | 30.67M | -5.74M | 16.25M |
| FCF Margin % | 0.09% | 0.04% | -0.01% | 0.18% | -0.04% | 0.12% |
| FCF Growth % | - | -0.56% | -1.65% | 15.41% | -1.19% | 3.83% |
| FCF per Share | 0.23 | 0.09 | -0.03 | 0.38 | -0.07 | 0.19 |
| FCF Conversion (FCF/Net Income) | 10.02x | -4.44x | -0.40x | -1.22x | -0.04x | -2.37x |
| Interest Paid | 2.71M | 2.93M | 3.08M | 3.91M | 5.94M | 1.36M |
| Taxes Paid | 216K | 150K | 6.92M | 975K | 3.79M | 5.07M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | -12.15% | -29.9% | -31.07% | -41.88% | -8.78% |
| Return on Invested Capital (ROIC) | - | 49.42% | -19.33% | -20.88% | -34.52% | -0.73% |
| Gross Margin | 60.25% | 63.2% | 62.41% | 63.03% | 55.61% | 53.86% |
| Net Margin | 1.54% | -1.94% | -9.49% | -15.93% | -27.51% | -7.22% |
| Debt / Equity | - | 3.67x | 0.91x | 0.70x | 0.29x | 0.05x |
| Interest Coverage | 0.45x | 2.09x | -2.95x | -2.82x | -6.22x | -0.52x |
| FCF Conversion | 10.02x | -4.44x | -0.40x | -1.22x | -0.04x | -2.37x |
| Revenue Growth | - | 9.46% | 62.18% | 18.66% | -11.1% | -7.6% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| Interchange | - | - | - | 9.2M |
| Interchange Growth | - | - | - | - |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| UNITED STATES | 15.18M | 154.78M | 137.37M | 126.81M |
| UNITED STATES Growth | - | 919.46% | -11.25% | -7.69% |
| Non-US | 127.65M | 14.71M | 13.32M | 12.43M |
| Non-US Growth | - | -88.48% | -9.45% | -6.70% |
Expensify, Inc. (EXFY) reported $143.9M in revenue for fiscal year 2024. This represents a 79% increase from $80.5M in 2019.
Expensify, Inc. (EXFY) saw revenue decline by 7.6% over the past year.
Expensify, Inc. (EXFY) reported a net loss of $15.6M for fiscal year 2024.
Expensify, Inc. (EXFY) has a return on equity (ROE) of -8.8%. Negative ROE indicates the company is unprofitable.
Expensify, Inc. (EXFY) generated $22.8M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.