EXPENSIFY INC - A (EXFY)
US30219Q1067 - Common Stock
Taking everything into account, EXFY scores 5 out of 10 in our fundamental rating. EXFY was compared to 280 industry peers in the Software industry. While EXFY has a great health rating, there are worries on its profitability. EXFY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
EXFY had positive earnings in the past year.
In the past year EXFY had a positive cash flow from operations.
In the past 5 years EXFY always reported negative net income.
Each year in the past 5 years EXFY had a positive operating cash flow.
1.2 Ratios
EXFY has a Return On Assets of -9.05%. This is comparable to the rest of the industry: EXFY outperforms 41.03% of its industry peers.
EXFY has a Return On Equity of -13.30%. This is comparable to the rest of the industry: EXFY outperforms 46.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -9.05% | ||
| ROE | -13.3% | ||
| ROIC | N/A |
ROA(3y)-14.57%
ROA(5y)-9.13%
ROE(3y)-28.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 54.45%, EXFY is doing worse than 68.50% of the companies in the same industry.
In the last couple of years the Gross Margin of EXFY has declined.
EXFY does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 54.45% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.19%
GM growth 5YN/A
2. Health
2.1 Basic Checks
EXFY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for EXFY has been increased compared to 1 year ago.
EXFY has a better debt/assets ratio than last year.
2.2 Solvency
EXFY has an Altman-Z score of 3.48. This indicates that EXFY is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of EXFY (3.48) is comparable to the rest of the industry.
The Debt to FCF ratio of EXFY is 0.04, which is an excellent value as it means it would take EXFY, only 0.04 years of fcf income to pay off all of its debts.
EXFY has a Debt to FCF ratio of 0.04. This is amongst the best in the industry. EXFY outperforms 80.22% of its industry peers.
EXFY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, EXFY is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.04 | ||
| Altman-Z | 3.48 |
ROIC/WACCN/A
WACC12%
2.3 Liquidity
A Current Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
The Current ratio of EXFY (2.87) is better than 74.73% of its industry peers.
A Quick Ratio of 2.87 indicates that EXFY has no problem at all paying its short term obligations.
EXFY's Quick ratio of 2.87 is fine compared to the rest of the industry. EXFY outperforms 74.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.87 | ||
| Quick Ratio | 2.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 302.04% over the past year.
Looking at the last year, EXFY shows a very negative growth in Revenue. The Revenue has decreased by -13.53% in the last year.
The Revenue has been growing by 19.59% on average over the past years. This is quite good.
EPS 1Y (TTM)302.04%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%175%
Revenue 1Y (TTM)-13.53%
Revenue growth 3Y19.59%
Revenue growth 5YN/A
Sales Q2Q%-2.97%
3.2 Future
The Earnings Per Share is expected to grow by 316.91% on average over the next years. This is a very strong growth
EXFY is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.36% yearly.
EPS Next Y6194.5%
EPS Next 2Y697.55%
EPS Next 3Y316.91%
EPS Next 5YN/A
Revenue Next Year-7.5%
Revenue Next 2Y-0.94%
Revenue Next 3Y1.22%
Revenue Next 5Y20.36%
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
EXFY is valuated rather expensively with a Price/Earnings ratio of 18.00.
Compared to the rest of the industry, the Price/Earnings ratio of EXFY indicates a rather cheap valuation: EXFY is cheaper than 86.08% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. EXFY is valued slightly cheaper when compared to this.
The Price/Forward Earnings ratio is 14.61, which indicates a correct valuation of EXFY.
86.81% of the companies in the same industry are more expensive than EXFY, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of EXFY to the average of the S&P500 Index (23.69), we can say EXFY is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 14.61 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of EXFY indicates a somewhat cheap valuation: EXFY is cheaper than 65.93% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 47.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
EXFY's earnings are expected to grow with 316.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)0
PEG (5Y)N/A
EPS Next 2Y697.55%
EPS Next 3Y316.91%
5. Dividend
5.1 Amount
No dividends for EXFY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EXPENSIFY INC - A
NASDAQ:EXFY (1/3/2025, 8:00:02 PM)
After market: 3.94 +0.34 (+9.44%)3.6
+0.1 (+2.86%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners34.77%
Inst Owner Change-1.5%
Ins Owners20.1%
Ins Owner Change1.67%
Market Cap320.26M
Analysts78.18
Price Target3.74 (3.89%)
Short Float %1.34%
Short Ratio1.03
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.78%
Min EPS beat(2)5.8%
Max EPS beat(2)35.76%
EPS beat(4)3
Avg EPS beat(4)50.58%
Min EPS beat(4)-14.43%
Max EPS beat(4)175.18%
EPS beat(8)4
Avg EPS beat(8)-44.63%
EPS beat(12)5
Avg EPS beat(12)-64.2%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-5.28%
Min Revenue beat(2)-9.72%
Max Revenue beat(2)-0.85%
Revenue beat(4)0
Avg Revenue beat(4)-5.23%
Min Revenue beat(4)-9.72%
Max Revenue beat(4)-0.85%
Revenue beat(8)0
Avg Revenue beat(8)-6.36%
Revenue beat(12)2
Avg Revenue beat(12)-5.06%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)10.69%
PT rev (3m)35.8%
EPS NQ rev (1m)0%
EPS NQ rev (3m)57.95%
EPS NY rev (1m)4.37%
EPS NY rev (3m)0.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.74%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18 | ||
| Fwd PE | 14.61 | ||
| P/S | 2.33 | ||
| P/FCF | 47.3 | ||
| P/OCF | 20.1 | ||
| P/B | 2.67 | ||
| P/tB | 3.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.2
EY5.56%
EPS(NY)0.25
Fwd EY6.85%
FCF(TTM)0.08
FCFY2.11%
OCF(TTM)0.18
OCFY4.98%
SpS1.54
BVpS1.35
TBVpS1.16
PEG (NY)0
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -9.05% | ||
| ROE | -13.3% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 54.45% | ||
| FCFM | 4.93% |
ROA(3y)-14.57%
ROA(5y)-9.13%
ROE(3y)-28.89%
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-4.19%
GM growth 5YN/A
F-Score6
Asset Turnover0.78
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.04 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 149.11% | ||
| Cap/Sales | 6.67% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.87 | ||
| Quick Ratio | 2.87 | ||
| Altman-Z | 3.48 |
F-Score6
WACC12%
ROIC/WACCN/A
Cap/Depr(3y)109.47%
Cap/Depr(5y)126.6%
Cap/Sales(3y)3.82%
Cap/Sales(5y)4.49%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)302.04%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%175%
EPS Next Y6194.5%
EPS Next 2Y697.55%
EPS Next 3Y316.91%
EPS Next 5YN/A
Revenue 1Y (TTM)-13.53%
Revenue growth 3Y19.59%
Revenue growth 5YN/A
Sales Q2Q%-2.97%
Revenue Next Year-7.5%
Revenue Next 2Y-0.94%
Revenue Next 3Y1.22%
Revenue Next 5Y20.36%
EBIT growth 1Y73.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1677.74%
EBIT Next 3Y177.73%
EBIT Next 5YN/A
FCF growth 1Y239.9%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y657.13%
OCF growth 3Y-41%
OCF growth 5YN/A