Quarter
Charts🇺🇸US Markets

EXPENSIFY, INC.

EXFY

CIK 0001476840 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$35M
↓-4.9% -$2Mvs FY2024 (Q4)
Operating Income
$9M
↓-8.3% -$841Kvs FY2024 (Q4)
Net Income
$6M
↓-29.4% -$2Mvs FY2024 (Q4)
Gross Profit
$17M
↓-8.2% -$2Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Weak
41/100
  • Profitability
    0ROIC -10.6% (10% = solid, 20%+ = moat)
  • Liquidity
    100Current Ratio 3.30 (above 1.5 = solid)
  • Leverage
    100D/E 0.00 (under 0.5 = conservative)
  • Efficiency
    43Asset Turnover 0.76x (1.0+ = capital-efficient)
  • Growth
    0Revenue YoY -4.9% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Op Margin -6.4% · trend -11.9pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project EXFY's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

3%

Trailing 3-yr CAGR was -14.7%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$3.04
Total enterprise IV
$280M
Diluted shares
0.09B
Terminal PV
$197M (70% of total)
Year-5 FCF
$23M
YearProjected FCFDiscounted PV
+1$21M$19M
+2$21M$18M
+3$22M$16M
+4$23M$15M
+5$23M$14M
Terminal$318M$197M

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$17K
investment in PP&E
Stock buybacks (TTM)
$8M
share count reduction
Stock-based comp (TTM)
$27M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$186M
everything owned
Total liabilities
$53M
everything owed
Stockholders' equity
$133M
shareholder claim
Net debt
$-63M
Net cash position ($63M)

Recent performance · 22 quarters

Revenue↓-4.9% -$2M
$35M
Net Income↓-5.3% -$117K
$-2M
Free Cash Flow↓-70.3% -$5M
$2M
Operating Margin↓-7.2pts
-6.4%

Drill down

EXFY Sankey

See EXPENSIFY, INC.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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EXFY Charts

22 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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EXFY Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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