WallStSmart

Expensify Inc (EXFY)vsZepp Health Corp (ZEPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Zepp Health Corp generates 82% more annual revenue ($258.90M vs $142.10M). EXFY leads profitability with a -15.0% profit margin vs -15.5%. EXFY earns a higher WallStSmart Score of 42/100 (D).

EXFY

Hold

42

out of 100

Grade: D

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.0

ZEPP

Hold

41

out of 100

Grade: D

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EXFYUndervalued (+80.8%)

Margin of Safety

+80.8%

Fair Value

$6.62

Current Price

$1.02

$5.60 discount

UndervaluedFair: $6.62Overvalued
ZEPPUndervalued (+48.6%)

Margin of Safety

+48.6%

Fair Value

$46.70

Current Price

$17.47

$29.23 discount

UndervaluedFair: $46.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EXFY2 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

EPS GrowthGrowth
2755.0%10/10

Earnings expanding 2755.0% YoY

ZEPP2 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
43.0%10/10

Revenue surging 43.0% year-over-year

Areas to Watch

EXFY4 concerns · Avg: 2.0/10
Market CapQuality
$93.33M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-16.4%2/10

ROE of -16.4% — below average capital efficiency

Revenue GrowthGrowth
-4.9%2/10

Revenue declined 4.9%

Profit MarginProfitability
-15.0%1/10

Currently unprofitable

ZEPP4 concerns · Avg: 2.0/10
Market CapQuality
$247.54M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-17.2%2/10

ROE of -17.2% — below average capital efficiency

EPS GrowthGrowth
-68.1%2/10

Earnings declined 68.1%

Profit MarginProfitability
-15.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : EXFY

The strongest argument for EXFY centers on Price/Book, EPS Growth.

Bull Case : ZEPP

The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.

Bear Case : EXFY

The primary concerns for EXFY are Market Cap, Return on Equity, Revenue Growth.

Bear Case : ZEPP

The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

EXFY profiles as a turnaround stock while ZEPP is a hypergrowth play — different risk/reward profiles.

ZEPP carries more volatility with a beta of 1.77 — expect wider price swings.

ZEPP is growing revenue faster at 43.0% — sustainability is the question.

Monitor SOFTWARE - APPLICATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

EXFY scores higher overall (42/100 vs 41/100). ZEPP offers better value entry with a 48.6% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Expensify Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Expensify, Inc. provides a cloud-based expense management software platform for individuals, small businesses, and corporations in the United States and internationally. The company is headquartered in Portland, Oregon.

Zepp Health Corp

TECHNOLOGY · CONSUMER ELECTRONICS · China

Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.

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