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EXEXFY

Expensify, Inc.

$EXFY·$176M·Software - Application·Technology
$1.93+4.3%YTD+28.7%1Y-8.9%
Mentions · last 7 days
2026-07-28: 0 posts2026-07-29: 1 posts2026-07-30: 0 posts2026-07-31: 0 posts2026-08-01: 0 posts2026-08-02: 0 posts2026-08-03: 0 posts1
Price updated 2m ago·X counts updated 6m ago
EXEXFY
$EXFYExpensify, Inc.
$1.93+4.32%1 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $EXFY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptEvent coming upAI verdict · as of 2026-08-03

A known event soon (earnings, a ruling, etc.) will likely decide the next move.

Expensify is the cloud-expense-management SaaS franchise at 78%-of-range up 23% YTD — Aug 6 Q2 print plus European Marqeta card launch plus mystery +50% AH spike is the substance.

Expensify Inc. is a specific US-listed cloud-expense-management SaaS franchise — expense management, corporate cards, bill pay, invoicing, receivables, and business travel for US and international customers. Up 2% today, up 23% year to date, and down 10% over 12 months, sitting at the 78th percentile of the 52-week range on an Aug-6-earnings-plus-Europe-plus-momentum tape.

Where it stands:

  • The business is loss-making with declining revenue: reported quarters at $34M-$36M revenue with -6% to +7% YoY change (Q1 -6% YoY), gross margin holding at 48-52%, operating margin -29% to -6%, and EPS -$0.10, -$0.03, -$0.08, -$0.02 — cost-management landing but revenue softness continues.
  • The valuation is speculative on trailing: TTM P/E of -7.1 (loss-making), forward P/E on FY26 EPS estimates of $0.09 (n=2) rising to FY27 $0.07 — the specific pattern of a franchise where forward EPS turns positive but with limited coverage. Price-to-sales of 1.1 and 8.2% FCF yield describe a value-plus-turnaround setup.
  • The 4-quarter earnings-surprise cadence is mixed: EPS $0.04 vs $0.02 (+100%), -$0.03 vs $0.04 (-175%), $0.04 vs $0.05 (-13%), -$0.02 vs $0.05 (-137%) — Q1 recent beat.
  • The strategic tape is a specific European-expansion catalyst: Expensify Launches Corporate Card in Europe 7/20 plus Expensify Expands Collaboration with Marqeta to Bring Card Offering into Europe 7/21 plus Expensify Launches Consolidated Travel Billing 7/13.
  • The insider signal is a routine director-award (Liu Ying 3,731 sh 7/5).

Aug 6 Q2 earnings needs continued Corporate Card-plus-Travel Billing revenue re-inflection plus dated commentary on the European launch trajectory and buyback pace to trigger the event-ahead tape; a specific revenue-plus-margin walk-back or a further FCF-normalization disclosure would take the stock back toward the 200-day base.

Agrees with X sentimentX is bullish on the mystery +50% AH spike and I acknowledge the momentum setup — the +40% in 2 days plus +100% in 3 months plus buyback-machine plus European expansion is a defensible turnaround-plus-catalyst trade. The bear reservation is real: revenue is declining -6% YoY plus quarterly EPS remains negative plus the mystery spike had no news catalyst.

What to watch: Aug 6 Q2 earnings — good = continued Corporate Card-plus-Travel Billing revenue re-inflection with dated commentary on the European launch trajectory and buyback pace; bad = a specific revenue-plus-margin walk-back or a further FCF-normalization disclosure, which takes the stock back toward the 200-day base.

On the calendar: 2026-08-06 — Q2 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Bullish sentiment5 posts analyzed · as of 2026-06-25

Expensify spiked +50% AH (+35% intraday) on no news that posters can find — couldn't be more legit, no debt, +40% in 2 days, +142% in 1 month, +100% in 3 months. Buyback machine working. Listed in top 10 stocks primed to run for the week. Tone is firmly bullish.

Read the AI verdict + X sentiment for $EXFY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Cloud expense management platform covering corporate cards, bill pay, invoicing, and travel for SMBs and enterprises.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Application sits in its cycle right now — and what that implies for $EXFY.

Software - Application · Technology

No material change from last week — platforms where agents expand contract value (ServiceNow, Snowflake) are re-rated upward, while tools where agents substitute human users (Adobe Creative..

What this means for $EXFY

Neutral — Cloud expense management platform covering corporate cards, bill pay, invoicing, and travel for SMBs and enterprises; limited read-through from software - application macro dynamics to this specific revenue mix.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-12.2%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
-7.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
-12.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
-13.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
8.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
-15.3%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
49.6%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q1 2026May 7, 2026$0.04$0.02+100.0%
Q4 2025Feb 26, 2026$-0.03$0.04-175.0%
Q3 2025Nov 6, 2025$0.04$0.05-13.3%
Q2 2025Aug 7, 2025$-0.02$0.05-136.8%
Next earningsThu, Aug 6·consensus EPS $0.02

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY26$34.0M-5.8%47.6%-5.8%$-0.02$-1.3M
Q4 FY25$35.2M-4.9%49.2%-11.2%$-0.08$1.7M
Q3 FY25$35.1M-1.0%49.6%-6.4%$-0.03$3.1M
Q2 FY25$35.8M+7.4%51.9%-28.9%$-0.10$8.9M

Forward consensus

3-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$135.4M$133.7M – $138.0M$0.09$0.06 – $0.133
FY27$134.8M$128.8M – $144.2M$0.07$0.04 – $0.133
FY28$130.9M$127.9M – $135.6M$0.03$0.03 – $0.031

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.2×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.81%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+20.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+38.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β1.695-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJun 15Alvarez Divo Carlos EduardoDirector10.7K sh$14KSellJun 1Barrett David MichaelCEO30.0K sh$35KSellMay 15Alvarez Divo Carlos EduardoDirector10.0K sh$11KSellMay 1Barrett David MichaelCEO30.0K sh$32KSellApr 28Alvarez Divo Carlos EduardoDirector30.7K sh$31KSellApr 1Barrett David MichaelCEO30.0K sh$26KSellMar 30Alvarez Divo Carlos EduardoDirector12.5K sh$10KSellMar 24Daniel VidalDirector1.5K sh$1KSellMar 24Barrett David MichaelCEO10.1K sh$8KSellMar 24Mills Jason FahrDirector1.8K sh$2K
1–10 of 23
+ 21 other (16 awards · 5 exempts) in window

See when $EXFY insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KShareholder voteMay 278-K — Item 5.07: Shareholder vote
AI summary

Expensify (EXFY) held its 2026 Annual Meeting on May 22, 2026 and elected eight directors: David Barrett, Ryan Schaffer, Jason Mills, Daniel Vidal, Carlos Alvarez Divo, Timothy Christen, Ying Liu, and Ellen Pao. Other routine proposals were voted on. This is a standard annual meeting disclosure.

8-KPress release / Reg FDMay 138-K — Item 7.01: Press release / Reg FD
AI summary

Expensify (EXFY) commenced a modified Dutch auction tender offer on or around May 13, 2026 to repurchase up to $25 million of Class A shares at prices between $0.98 and $1.20 per share. The offer was set to expire June 10, 2026 with no minimum shares required and no financing condition. This tender offer is notable given the company's concurrent Nasdaq compliance struggle and the sub-$1.00 share price context in which it was structured.

8-KPress release / Reg FDMay 78-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary

Expensify (EXFY) reported Q1 2026 financial results for the quarter ended March 31, 2026, and furnished an investor presentation, both via 8-K on May 7, 2026 (Items 2.02 and 7.01). Specific revenue and earnings figures were not in the filing excerpt.

8-KListing / delisting noticeApr 218-K — Item 3.01: Listing / delisting notice
AI summary

Expensify (EXFY) received a Nasdaq deficiency letter dated April 17, 2026 (Item 3.01), notifying the company that its stock had traded below the $1.00 minimum bid price for 30 consecutive business days, violating Nasdaq Rule 5550(a)(2). Expensify has 180 days to regain compliance per Nasdaq Rule 5810(c)(3)(A), with no immediate delisting effect. The company subsequently regained compliance by May 28, 2026 (as disclosed in a later 8-K).

8-KPress release / Reg FDFeb 268-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
+ 11 other (3 SC TO-I/As · 2 proxys · 1 routine 8-K · 1 SC TO-I) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Expensify to Announce Q2 2026 Resultsbusinesswire.com·13d agoExpensify Expands Collaboration with Marqeta to Bring its Card Offering into Europebusinesswire.com·15d agoExpensify Launches Corporate Card in Europebusinesswire.com·16d agoExpensify Launches Consolidated Travel Billing to Simplify How Companies Pay for Business Travelgurufocus.com·23d agoExpensify Launches Consolidated Travel Billing to Simplify How Companies Pay for Business Travelbusinesswire.com·23d ago

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Voices on X · last 7 days

No standout posts about $EXFY on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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