Expensify, Inc. (EXFY) P/E Ratio History
Deep ValueTrading at -7.0x · 0th percentile of 5-year range · Significant discount to historical valuation · Data 2024–2025
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P/E Ratio Analysis
As of June 28, 2026, Expensify, Inc. (EXFY) trades at a price-to-earnings ratio of -7.0x, with a stock price of $1.62 and trailing twelve-month earnings per share of $-0.22.
The current P/E is 107% below its 5-year average of 96.6x. Over the past five years, EXFY's P/E has ranged from a low of 78.1x to a high of 115.1x, placing the current valuation at the 0th percentile of its historical range.
Compared to the Technology sector median P/E of 29.3x, EXFY trades at a 124% discount to its sector peers. The sector includes 358 companies with P/E ratios ranging from 0.0x to 196.8x.
Relative to the broader market, EXFY trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our EXFY DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
EXFY Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
EXFY P/E vs Peers
Payments, billing and spend management peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $4B | 154.4 | - | +185% | |
| $6B | 40.1 | - | -30% | |
| $3B | 19.7 | - | +494% | |
| $6B | 26.5 | 0.94 | +11% | |
| $73B | 19.6 | 1.34 | +31% | |
| $41B | 37.5 | - | +2% | |
| $7B | 16.0Lowest | 0.60Best | -9% | |
| $2B | 16.8 | - | +18695%Best | |
| $645B | 33.0 | 2.08 | +5% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
EXFY Historical P/E Data (2024–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q1 | Mar 31 2025 | $3.04 | $0.04 | 78.1x | -19% |
| FY2024 Q4 | - | $3.35 | $0.03 | 115.1x | +19% |
Average P/E for displayed period: 96.6x
Intrinsic Valuation
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Historical Returns
2+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
EXFY — Frequently Asked Questions
Quick answers to the most common questions about buying EXFY stock.
What is EXFY's P/E ratio?
Expensify, Inc. (EXFY) trailing twelve-month P/E ratio is -7.0x, based on TTM diluted EPS of $-0.22. The 5-year average P/E is 96.6x and the historical range spans 78.1x to 115.1x.
Is EXFY stock overvalued or undervalued?
EXFY trades at -7.0x P/E, below its 5-year average of 96.6x. At the 0th percentile of its historical range (78.1x–115.1x), the stock is priced at a discount to its own history.
Is EXFY stock expensive?
No, EXFY is not expensive on a historical basis. The current P/E of -7.0x is below the 5-year average of 96.6x and sits at the 0th percentile of its valuation range.
What is EXFY's historical P/E range?
Over the past 5 years, EXFY's P/E ratio has ranged from 78.1x to 115.1x, with a median of 115.1x and an average of 96.6x. The current P/E of -7.0x places the stock at the 0th percentile of this range. Full historical data spans 2024–2025.
How does EXFY's P/E compare to the S&P 500?
EXFY trades at -7.0x P/E versus the S&P 500 median of 25.3x. The 128% discount to the market suggests lower growth expectations or perceived higher risk.
How does EXFY's valuation compare to Technology peers?
Expensify, Inc. P/E of -7.0x compares to the Technology sector median of 29.3x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is EXFY's PEG ratio?
EXFY PEG ratio is N/A, based on a P/E of -7.0x and EPS growth of -91.7%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is EXFY's earnings yield?
EXFY earnings yield is N/A, the inverse of its -7.0x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.