EXPENSIFY INC - A (EXFY)
US30219Q1067 - Common Stock
Overall EXFY gets a fundamental rating of 3 out of 10. We evaluated EXFY against 277 industry peers in the Software industry. EXFY may be in some trouble as it scores bad on both profitability and health. EXFY is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year EXFY has reported negative net income.
EXFY had a negative operating cash flow in the past year.
In the past 5 years EXFY always reported negative net income.
EXFY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -21.26%, EXFY is not doing good in the industry: 70.18% of the companies in the same industry are doing better.
EXFY has a worse Return On Equity (-36.88%) than 61.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -21.26% | ||
| ROE | -36.88% | ||
| 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 54.42%, EXFY is doing worse than 65.09% of the companies in the same industry.
In the last couple of years the Gross Margin of EXFY has declined.
The Profit Margin and Operating Margin are not available for EXFY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 54.42% |
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.
EXFY has more shares outstanding than it did 1 year ago.
EXFY has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 0.68, we must say that EXFY is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of EXFY (0.68) is worse than 67.64% of its industry peers.
A Debt/Equity ratio of 0.14 indicates that EXFY is not too dependend on debt financing.
EXFY has a Debt to Equity ratio of 0.14. This is comparable to the rest of the industry: EXFY outperforms 46.18% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 0.68 |
ROIC/WACCN/A
WACC11%
2.3 Liquidity
A Current Ratio of 2.04 indicates that EXFY has no problem at all paying its short term obligations.
EXFY's Current ratio of 2.04 is in line compared to the rest of the industry. EXFY outperforms 59.27% of its industry peers.
EXFY has a Quick Ratio of 2.04. This indicates that EXFY is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of EXFY (2.04) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.04 | ||
| Quick Ratio | 2.04 |
3. Growth
3.1 Past
The earnings per share for EXFY have decreased strongly by -105.00% in the last year.
EXFY shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.84%.
The Revenue has been growing by 19.59% on average over the past years. This is quite good.
EPS 1Y (TTM)-105%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-20%
Revenue 1Y (TTM)-14.84%
Revenue growth 3Y19.59%
Revenue growth 5YN/A
Revenue growth Q2Q-16.37%
3.2 Future
EXFY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 313.29% yearly.
EXFY is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.36% yearly.
EPS Next Y4234.57%
EPS Next 2Y604.1%
EPS Next 3Y313.29%
EPS Next 5YN/A
Revenue Next Year-5.27%
Revenue Next 2Y0.36%
Revenue Next 3Y5.6%
Revenue Next 5Y20.36%
3.3 Evolution
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for EXFY. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 8.83, the valuation of EXFY can be described as reasonable.
EXFY's Price/Forward Earnings ratio is rather cheap when compared to the industry. EXFY is cheaper than 95.27% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.15. EXFY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.83 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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.
A more expensive valuation may be justified as EXFY's earnings are expected to grow with 313.29% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y604.1%
EPS Next 3Y313.29%
5. Dividend
5.1 Amount
No dividends for EXFY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
EXPENSIFY INC - A
NASDAQ:EXFY (5/17/2024, 7:00:02 PM)
After market: 1.74 +0.06 (+3.57%)1.68
-0.03 (-1.75%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap143.15M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 8.83 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -21.26% | ||
| ROE | -36.88% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 54.42% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.78
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.14 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.04 | ||
| Quick Ratio | 2.04 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-105%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y4234.57%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-14.84%
Revenue growth 3Y19.59%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y