Expensify, Inc.
$1.56+30.0%YTD+4.0%1Y-30.0%
Mentions · last 7 days
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Price updated 34m ago
What it does
Plain-English summary of the business — what they sell and how they make money.
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
AI agent displacement is the structural bifurcator — NOW and SNOW represent the winners (agents expand contract value) while Adobe is the week's poster child for the losers (AI-native design tools threaten Creative Cloud's pricing power). MSTR/Bitcoin treasury vehicles dominate sentiment chatter, masking the underlying SaaS re-rating story.
Top industry ETF
$IGViShares Expanded Tech-Software Sector ETF
-16.3%YTD
-16.0%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
FYRevenueRangeEPSRangeAnalysts
FY26$135.4M$133.7M – $138.0M$0.09$0.06 – $0.133
FY27$134.8M$128.8M – $144.2M$0.07$0.05 – $0.093
FY28$130.9M$127.2M – $136.8M$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.14.2×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.45%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.+44.3%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.+15.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.
Float & profile
FloatMid float · 60.0M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today20.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.
Insider activity
Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.
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
8-KPress release / Reg FDMay 138-K — Item 7.01: Press release / Reg FD
AI summary
8-KPress release / Reg FDMay 78-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
AI summary
8-KListing / delisting noticeApr 218-K — Item 3.01: Listing / delisting notice
AI summary
8-KPress release / Reg FDFeb 268-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KOfficer or director changeDec 30, 20258-K — Item 5.02: Officer or director change
+ 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, Inc. Announces Final Results of Tender OfferExpensify, Inc. Announces Preliminary Results of Tender OfferExpensify Launches MCP for AI-powered Expense ManagementExpensify Launches MCP for AI-powered Expense ManagementExpensify and VAT IT Launch Integration Partnership to Simplify Global VAT Reclaim
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