Stocks · Technology · Software - Application
Expensify, Inc. EXFY
$2.25 -5.06% Close, Oct 2, 2026 · NASDAQ · Market cap $217.0M
High risk
Next earnings report: Nov 5, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The stock is in an uptrend: above its 200-day average for 74 trading days, with the 50-day average above the 200-day.
- The company holds net cash of $65.8M (cash above total debt).
- Revenue over the last four quarters was $138.1M, down 4.3% from a year earlier, slowing from -1.3% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 11%
- FCF growth (TTM, YoY)Bottom 14%
- Revenue growth, 3-year CAGRBottom 14%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 23%
- Gross marginBottom 47%
- Operating marginBottom 26%
- Accruals (lower is better)Top 19%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 20%
- Free-cash-flow yieldTop 28%
- EBITDA / enterprise valueBottom 26%
- Sales / enterprise valueTop 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 25%
- 6-month returnTop 5%
- 1-year return vs S&P 500Top 38%
- Distance from 52-week highTop 33%
- Trend checklist (0–4)Bottom 40%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 30%
- Consecutive EPS beatsBottom 44%
- Share of analysts rating BuyBottom 29%
- Upside to consensus price targetTop 1%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 24%
- Maximum drawdown, 3 yearsBottom 13%
- Beta vs S&P 500 (lower is better)Bottom 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -1.3% | -4.3% | ↓ |
| Gross margin | 51.3% | 48.7% | ↓ |
| Operating margin | -7.7% | -8.0% | ↓ |
| FCF margin | 14.9% | 9.7% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -4.3% | -1.3% | ↓ | Bottom 11% |
| Gross margin | 48.7% | 51.3% | ↓ | Bottom 47% |
| Operating margin | -8.0% | -7.7% | ↓ | Bottom 26% |
| Net margin | -11.3% | -10.7% | ↓ | — |
| Free-cash-flow margin | 9.7% | 14.9% | ↓ | — |
| Return on invested capital | -7.8% | — | Bottom 23% | |
| Revenue growth, 3-year CAGR | -5.7% | — | Bottom 14% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -16.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 18.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -20.4 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- Net cash
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 3.46%
- Shareholder yield
- 3.46%
- Share count change, 1 year
- +3.4%
- Share count change, 3-year CAGR
- +5.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +2.9%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $13.75
- Target vs current price
- +511.1%
- Analysts with a rating
- 10
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | +100.0% | -2.0% | +9.9% | +21.8% | — |
| May 7, 2026 | +100.0% | +0.9% | +3.6% | +4.5% | +68.2% |
| Feb 26, 2026 | -175.0% | -2.4% | -19.7% | -34.6% | -11.0% |
| Nov 6, 2025 | -13.3% | -3.1% | -13.6% | +0.0% | -14.2% |
| Aug 7, 2025 | -136.8% | -2.0% | -4.0% | -3.5% | -19.7% |
| May 8, 2025 | -14.3% | +8.1% | -17.7% | -19.4% | -28.3% |
| Feb 27, 2025 | +42.9% | +1.6% | +17.4% | +3.8% | -26.5% |
| Nov 7, 2024 | +16.7% | +3.1% | +46.4% | +81.8% | +99.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $0.04 | $0.02 | +100.0% | $33.9M |
| May 7, 2026 | $0.04 | $0.02 | +100.0% | $34.0M |
| Feb 26, 2026 | -$0.03 | $0.04 | -175.0% | $35.2M |
| Nov 6, 2025 | $0.04 | $0.05 | -13.3% | $35.1M |
| Aug 7, 2025 | -$0.02 | $0.05 | -136.8% | $35.8M |
| May 8, 2025 | $0.06 | $0.07 | -14.3% | $36.1M |
| Feb 27, 2025 | $0.10 | $0.07 | +42.9% | $37.0M |
| Nov 7, 2024 | $0.07 | $0.06 | +16.7% | $35.4M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 18.8× | — | — | — |
| EV / Sales | 1.10× | — | — | Top 16% |
| Free-cash-flow yield | 6.15% | — | — | Top 28% |
| Earnings yield | -7.40% | — | — | Bottom 20% |
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 74
- 50-day average slope (20 days)
- +9.9%
- 200-day average slope (20 days)
- +5.2%
- Distance from 50-day average
- -0.9%
- Distance from 200-day average
- +49.5%
- RSI (14)
- 47.9
- Relative volume
- 0.54×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 81.1%
- Volatility vs own 5-year history
- 56th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 2.10
- Correlation with S&P 500
- 0.41
- Current drawdown from 1-year high
- -17.3%
- Maximum drawdown, 3 years
- -81.4%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 26, 2021 | Mar 17, 2026 | -98.5% | 1078 days | Not yet recovered |
| Nov 12, 2021 | Nov 22, 2021 | -10.0% | 6 days | 2 days (Nov 24, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $217.0M
- EPS, diluted (TTM)
- -$0.17
- Revenue (TTM)
- $138.1M
- 52-week range
- $0.69 – $2.81
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $142.8M | $169.5M | $150.7M | $139.2M | $142.1M |
| Gross profit | $89.1M | $106.8M | $83.8M | $75.0M | $71.5M |
| Operating income | -$10.3M | -$15.2M | -$33.1M | -$820,000 | -$18.0M |
| Net income | -$13.6M | -$27.0M | -$41.5M | -$10.1M | -$21.4M |
| EPS (diluted) | -$0.17 | -$0.33 | -$0.50 | -$0.12 | -$0.23 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $35.4M | $37.0M | $36.1M | $35.8M | $35.1M | $35.2M | $34.0M | $33.9M |
| Net income | -$2.2M | -$1.3M | -$3.2M | -$8.8M | -$2.3M | -$7.1M | -$2.3M | -$3.9M |
| EPS (diluted) | -$0.02 | -$0.01 | -$0.03 | -$0.10 | -$0.03 | -$0.08 | -$0.02 | -$0.04 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $5.5M | $32.9M | $1.6M | $23.9M | $20.1M |
| Capital expenditure | -$7.6M | -$2.2M | -$7.3M | -$7.6M | -$17,000 |
| Free cash flow | -$2.1M | $30.7M | -$5.7M | $16.2M | $20.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $58.0M | -$2.4M | $1.2M | $2.5M | -$2.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $65.8M
- Total assets
- $185.4M
- Total liabilities
- $50.8M
- Total debt
- $0
- Net debt
- -$65.8M
- Shareholders’ equity
- $134.6M
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 1,185,325
- Days to cover
- 2.07
- Change vs previous report
- +1.1%
FINRA short interest, settlement date Sep 15, 2026.