EXFY$0.9501
$0.9599
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AI EXFY Summary
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Powered by LiveAIOverall Analysis
NeutralExpensify, Inc. (EXFY) presents a mixed investment profile. Fundamentally, the company shows potential for revenue growth but is currently unprofitable and facing significant year-over-year revenue declines. Technologically, the platform offers convenience in expense management, but market adoption and competitive pressures need close monitoring. Thematic tailwinds for digital transformation and productivity tools are present but not currently translating into strong financial performance. Short-term technical indicators are mixed.
Thematic
Expensify operates within the growing market for digital transformation and productivity software, benefiting from the trend towards cloud-based business solutions. However, its ability to capture market share and translate this into profitability remains a key question.
Fundamental
Expensify's fundamentals are currently concerning, with significant revenue declines and persistent unprofitability. While the company maintains substantial cash reserves, the negative EPS and contracting revenue growth present considerable headwinds.
Technical
Expensify's technical indicators present a mixed picture. The stock is trading below key moving averages, suggesting a bearish short-term trend, but some oscillators are in neutral or buy territory, hinting at potential for stabilization or a rebound. Trading volume is below average.
| Factor | Score |
|---|---|
| Digital Transformation in Business | 75 |
| Workforce Productivity Tools | 70 |
| Cloud-Based Solutions Adoption | 70 |
| Competitive Landscape | 55 |
| Economic Sensitivity | 75 |
| Factor | Score |
|---|---|
| Valuation | 40 |
| Profitability | 15 |
| Growth | 20 |
| Balance Sheet Health | 70 |
| Debt Management | 85 |
| Cash Flow | 65 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Momentum | 45 |
| Volume Confirmation | 35 |
| Support & Resistance | 50 |
| Short-term Oscillators | 55 |
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Powered by LiveAIBullish Points (8)
Improving Valuation Metrics
The Price-to-Sales (PS) ratio has improved from 1.1 in 2022 to 1.9 in 2024, indicating that investors are valuing the company's revenue more highly, potentially due to improved business prospects.
Positive Revenue Growth
Revenue has shown an upward trend from $169.5M in 2022 to $139.2M in 2024 (note: Q4 2023 revenue was higher than Q4 2024, suggesting recent quarterly performance may be a point of caution for this metric). The company reported $139.236M in revenue for the trailing twelve months (TTM).
Bearish Points (10)
Significant Recent Decline
The stock has experienced notable declines over the past 1 month (-12.94%) and 6 months (-35.47%), indicating a negative short-to-medium term trend.
Consistent Net Losses
The company has reported net losses for all periods presented (TTM, 2024, 2023, 2022, 2021), with a net loss of -$6.679M TTM and -$10.055M in 2024. This indicates ongoing unprofitability.
Calendar
August 2025
8
Next Earnings Date
H: $0.07
A: $0.02
L: $-0.01
H: 37.00M
A: 36.15M
L: 34.90M
Profile
Expensify, Inc. provides a cloud-based expense management software platform in the United States and internationally. The company offers Expensify, a platform that offers corporate card management, bills payment, invoice generation, payment collection, and travel booking services, as well as track and submit plans for individuals. It serves individuals and corporations, small and midsized businesses, and enterprises. The company was founded in 2008 and is based in Portland, Oregon.
Seasonals
Price Target
4.00 USD
The 39 analysts offering 1 year price forecasts for EXFY have a max estimate of 5.00 and a min estimate of 3.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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