Expensify, Inc. (EXFY)Technology | Software - Application | San Francisco, United States | NasdaqGS
2.45 USD
+0.01
(0.410%)
⇧
(Oct. 14, 2026, 4 p.m.
EDT)
After hours: 2.45 |
Hot Take ↕ | Oct. 10, 2026, 6:34 a.m. EDT
The investment case for Expensify is currently broken by deteriorating fundamentals and a lack of market confidence. The company is actively losing ground, with revenue contracting by 5.3% and operating margins deeply negative at -8.6%. This operational decline is reflected in the stock's price action, which has fallen significantly from its highs, leaving it trading well below its book value despite a forward P/E that implies future profitability that hasn't materialized yet. The balance sheet, while technically liquid, carries a heavy debt load relative to equity, creating a precarious structure for a business that is shrinking. There is no income component to consider, as the company does not pay a dividend. For investors seeking yield, this security offers none. While the company possesses a recognizable brand in expense management, the current trajectory suggests the market is pricing in a struggle to regain footing. The recent news of subdued market reaction to beating estimates further highlights the disconnect between top-line performance and investor sentiment. Until revenue growth turns positive and losses narrow, the long-term outlook remains weak, making this a poor candidate for capital preservation or growth at this time. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.246665 |
| AutoARIMA | 0.246666 |
| AutoTheta | 0.248123 |
| MSTL | 0.256140 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 38% |
| H-stat | 1.29 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.130 |
| Excess Kurtosis | 0.18 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 3.997 |
| Revenue per Share | 1.475 |
| Market Cap | 223,407,328 |
| Forward P/E | 24.50 |
| Beta | 1.74 |
| Profit Margins | -11.31% |
| Website | https://www.expensify.com |
As of Oct. 10, 2026, 6:34 a.m. EDT: Options activity reveals a distinct lack of bullish conviction despite some speculative volume in deep out-of-the-money calls. The most notable flow involves heavy buying of deep in-the-money calls at the $1.00 strike for March 2027 expiration, suggesting a bet on a significant drop rather than a rally. Conversely, put writing is concentrated at the money ($2.50), indicating sellers are hedging against a move lower or expecting stagnation. The implied volatility skew shows elevated premiums for downside protection relative to upside speculation, reinforcing a cautious, defensive sentiment among speculators.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.43529415 |
| Address1 | 88 Kearny St |
| Address2 | Ste 1600 |
| All Time High | 51.06 |
| All Time Low | 0.691 |
| Ask | 3.11 |
| Ask Size | 2 |
| Audit Risk | 8 |
| Average Daily Volume10 Day | 391,920 |
| Average Daily Volume3 Month | 780,217 |
| Average Volume | 780,217 |
| Average Volume10Days | 391,920 |
| Beta | 1.74 |
| Bid | 1.74 |
| Bid Size | 2 |
| Board Risk | 10 |
| Book Value | 1.464 |
| City | San Francisco |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 10 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 2.45 |
| Current Ratio | 3.497 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 2.47 |
| Day Low | 2.4 |
| Debt To Equity | 3.997 |
| Display Name | Expensify |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,786,050,000 |
| Earnings Call Timestamp Start | 1,786,050,000 |
| Earnings Timestamp | 1,786,046,400 |
| Earnings Timestamp End | 1,793,908,800 |
| Earnings Timestamp Start | 1,793,908,800 |
| Ebitda | -13,070,000 |
| Ebitda Margins | -0.094639994 |
| Enterprise To Ebitda | -12.403 |
| Enterprise To Revenue | 1.174 |
| Enterprise Value | 162,113,456 |
| Eps Current Year | 0.12 |
| Eps Forward | 0.1 |
| Eps Trailing Twelve Months | -0.18 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 2.3466 |
| Fifty Day Average Change | 0.10339999 |
| Fifty Day Average Change Percent | 0.044063747 |
| Fifty Two Week Change Percent | 43.529415 |
| Fifty Two Week High | 2.81 |
| Fifty Two Week High Change | -0.3599999 |
| Fifty Two Week High Change Percent | -0.12811385 |
| Fifty Two Week Low | 0.691 |
| Fifty Two Week Low Change | 1.7590001 |
| Fifty Two Week Low Change Percent | 2.5455863 |
| Fifty Two Week Range | 0.691 - 2.81 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,636,554,600,000 |
| Float Shares | 54,604,398 |
| Forward Eps | 0.1 |
| Forward P E | 24.5 |
| Free Cashflow | 20,026,124 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 117 |
| Fullday Change | 0.00999999 |
| Fullday Change Percent | 0.40983567 |
| Fullday Price | 2.45 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.48668 |
| Gross Profits | 67,210,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.25594 |
| Held Percent Institutions | 0.32707 |
| Implied Shares Outstanding | 91,186,664 |
| Industry | Software - Application |
| Industry Disp | Software - Application |
| Industry Key | software-application |
| Ipo Expected Date | 2,021-11-10 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Expensify, Inc. provides a cloud-based expense management software platform in the United States and internationally. The company offers Expensify, a platform that engages in managing corporate cards, paying bills, generating invoices, collecting payments, and booking travel, 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 San Francisco, California. |
| Long Name | Expensify, Inc. |
| Market | us_market |
| Market Cap | 223,407,328 |
| Market State | POST |
| Max Age | 86,400 |
| Message Board Id | finmb_59692786 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -15,620,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 214,288,659 |
| Number Of Analyst Opinions | 3 |
| Open | 2.43 |
| Operating Cashflow | 12,600,000 |
| Operating Margins | -0.08625 |
| Overall Risk | 10 |
| Payout Ratio | 0.0 |
| Phone | 971 365 3939 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 2.45 |
| Post Market Time | 1,792,008,015 |
| Previous Close | 2.44 |
| Price Eps Current Year | 20.416668 |
| Price Hint | 4 |
| Price To Book | 1.6734973 |
| Price To Sales Trailing12 Months | 1.6177448 |
| Profit Margins | -0.11311 |
| Quick Ratio | 1.757 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.00999999 |
| Regular Market Change Percent | 0.40983567 |
| Regular Market Day High | 2.47 |
| Regular Market Day Low | 2.4 |
| Regular Market Day Range | 2.4 - 2.47 |
| Regular Market Open | 2.43 |
| Regular Market Previous Close | 2.44 |
| Regular Market Price | 2.45 |
| Regular Market Time | 1,792,008,001 |
| Regular Market Volume | 450,388 |
| Return On Assets | -0.0466 |
| Return On Equity | -0.11728 |
| Revenue Growth | -0.053 |
| Revenue Per Share | 1.475 |
| Sand P52 Week Change | 0.17004645 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 10 |
| Shares Outstanding | 78,936,804 |
| Shares Percent Shares Out | 0.0117 |
| Shares Short | 1,066,823 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 1,171,820 |
| Short Name | Expensify, Inc. |
| Short Percent Of Float | 0.0162 |
| Short Ratio | 1.87 |
| Source Interval | 15 |
| State | CA |
| Symbol | EXFY |
| Target High Price | 3.0 |
| Target Low Price | 2.5 |
| Target Mean Price | 2.83333 |
| Target Median Price | 3.0 |
| Total Cash | 65,760,000 |
| Total Cash Per Share | 0.721 |
| Total Debt | 5,378,000 |
| Total Revenue | 138,098,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -0.18 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 1.53404 |
| Two Hundred Day Average Change | 0.9159601 |
| Two Hundred Day Average Change Percent | 0.59709007 |
| Type Disp | Equity |
| Volume | 450,388 |
| Website | https://www.expensify.com |
| Zip | 94,108 |