Expensify Inc (EXFY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Expensify Inc stock (EXFY) is currently trading at $0.83. Expensify Inc PS ratio (Price-to-Sales) is 0.55. Analyst consensus price target for EXFY is $1.50. WallStSmart rates EXFY as Sell.
- EXFY PE ratio analysis and historical PE chart
- EXFY PS ratio (Price-to-Sales) history and trend
- EXFY intrinsic value — DCF, Graham Number, EPV models
- EXFY stock price prediction 2025 2026 2027 2028 2029 2030
- EXFY fair value vs current price
- EXFY insider transactions and insider buying
- Is EXFY undervalued or overvalued?
- Expensify Inc financial analysis — revenue, earnings, cash flow
- EXFY Piotroski F-Score and Altman Z-Score
- EXFY analyst price target and Smart Rating
Expensify Inc
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Smart Analysis
Expensify Inc (EXFY) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, eps growth. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Expensify Inc (EXFY) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 2755.00% year-over-year
Supporting Valuation Data
Expensify Inc (EXFY) Areas to Watch (6)
Company is destroying shareholder value
Losing money on operations
Revenue declining -4.90%, a shrinking business
Company is losing money with a negative profit margin
Micro-cap company with very limited liquidity and high volatility
Moderate institutional interest at 37.18%
Expensify Inc (EXFY) Detailed Analysis Report
Overall Assessment
This company scores 42/100 in our Smart Analysis, earning a D grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 1.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, EPS Growth. Valuation metrics including Price/Sales (0.55), Price/Book (0.59) suggest the stock is attractively priced. Growth metrics are encouraging with EPS Growth at 2755.00%.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Revenue Growth. Growth concerns include Revenue Growth at -4.90%, which may limit upside. Profitability pressure is visible in Return on Equity at -16.40%, Operating Margin at -11.20%, Profit Margin at -15.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -16.40% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -4.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
EXFY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
EXFY's Price-to-Sales ratio of 0.55x trades at a deep discount to its historical average of 4.33x (3th percentile). The current valuation is 99% below its historical high of 44.55x set in Nov 2021, and 9% above its historical low of 0.5x in Mar 2026. Over the past 12 months, the PS ratio has compressed from ~1.8x as trailing revenue scaled faster than the stock price.
Compare EXFY with Competitors
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Data-driven financial summary for Expensify Inc (EXFY) · TECHNOLOGY › SOFTWARE - APPLICATION
The Big Picture
Expensify Inc is in a turnaround phase, with management focused on restoring profitability. Revenue reached 142M with 5% decline year-over-year. The company is currently unprofitable, posting a -15.0% profit margin.
Key Findings
Generating 2M in free cash flow and 2M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -15.0% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Volatility is elevated with a beta of 1.74, so expect amplified moves relative to the broader market.
Sector dynamics: monitor SOFTWARE - APPLICATION industry trends, competitive moves, and regulatory changes that could impact Expensify Inc.
Bottom Line
Expensify Inc is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(21 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MCLAUGHLIN, STEVEN J. 10% Owner | Buy | +500,000 |
| Insider | Type | Shares |
|---|---|---|
MCLAUGHLIN, STEVEN J. 10% Owner | Buy | +455,911 |
| Insider | Type | Shares |
|---|---|---|
MCLAUGHLIN, STEVEN J. 10% Owner | Buy | +480,389 |
| Insider | Type | Shares |
|---|---|---|
MCLAUGHLIN, STEVEN J. 10% Owner | Buy | +327,144 |
| Insider | Type | Shares |
|---|---|---|
MCLAUGHLIN, STEVEN J. 10% Owner | Buy | +500,000 |
| Insider | Type | Shares |
|---|---|---|
BARRETT, DAVID MICHAEL Director, Chief Executive Officer | Sell | -30,000 |
| Insider | Type | Shares |
|---|---|---|
BARRETT, DAVID MICHAEL Director, Chief Executive Officer | Sell | -30,000 |
| Insider | Type | Shares |
|---|---|---|
BARRETT, DAVID MICHAEL Director, Chief Executive Officer | Sell | -30,000 |
Data sourced from SEC Form 4 filings
Last updated: 11:40:17 AM
About Expensify Inc(EXFY)
NASDAQ
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.