Expensify Inc

Expensify Inc (EXFY) Stock Analysis

$2.580

+0.020 (+0.78%)At close

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High
2.680
Open
2.580
VWAP
2.60
Vol
550.28K
Mkt Cap
128.88M
Low
2.540
Amount
1.43M
EV/EBITDA, TTM
-58.54

Expensify, Inc. provides a cloud-based expense management software platform. The Company helps people worldwide track expenses, book travel, reimburse employees, manage corporate cards, send invoices, and pay bills - all in one place. The Company delivers its services over the Internet to corporations and individuals under a license arrangement and offers pricing options for small and midsized businesses and enterprises on a per-active-member basis. Its Platform includes Expense Management, Expensify Visa Commercial Card (Expensify Card), Expensify Travel, and Invoicing & Bill Pay. Expense Management occurs in three sequential phases: Capture, Approve and Pay. Expensify Card is powered by the Visa network. Expensify Card capabilities include unlimited virtual cards, real-time compliance and continuous automatic reconciliation. Expensify Travel is a travel platform that simplifies business travel by integrating booking, approvals, payments, and collaboration into one experience.

AI analysis of Expensify Inc (EXFY)

buy

Expensify Inc is a good buy right now due to its current price of $2.58, which is below the analyst target of $3, suggesting a potential upside of approximately 16.3%. Additionally, the RSI is at 61.82, indicating bullish momentum, while the company has recently completed a $25 million stock buyback, reflecting management's confidence in its stock value. However, it is important to note that the company reported a net income loss of $3.85 million in Q2 2026, which is a significant risk.

Valuation Metrics

The current forward P/E ratio for Expensify Inc (EXFY) is 0.00, compared to its 5-year average forward P/E of 15.81.

Forward P/E

Fair
5Y Average P/E
15.81
Current P/E
0.00
Overvalued
63.70
Undervalued
-32.07

Forward EV/EBITDA

Strongly Undervalued
5Y Average EV/EBITDA
23.48
Current EV/EBITDA
-58.54
Overvalued
56.91
Undervalued
-9.96

Forward P/S

Fair
5Y Average P/S
3.60
Current P/S
1.72
Overvalued
7.66
Undervalued
-0.47

Alphio AI Price Scenarios for EXFY

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%EXFY

$2.94

Scenario price

B

Base

Base · 50%EXFY

$2.62

Scenario price

B

Bear

Bear · 25%EXFY

$2.59

Scenario price

Events Timeline

2026-07-20 (ET)

09:30:00

Expensify Card Launches in UK and European Markets

2026-07-13 (ET)

09:30:00

Expensify Launches Consolidated Travel Billing Feature

2026-07-01 (ET)

09:30:00

Expensify Expands Concierge AI Capabilities

2026-05-21 (ET)

09:20:00

Expensify Partners with VAT IT to Enhance VAT Recovery

2026-05-19 (ET)

09:20:00

Expensify Announces Strategic Partnership with Playroll

News

EXFY FAQ — answered by Alphio AI

Expensify, Inc. provides a cloud-based expense management software platform. The Company helps people worldwide track expenses, book travel, reimburse employees, manage corporate cards, send invoices, and pay bills - all in one place. The Company delivers its services over the Internet to corporations and individuals under a license arrangement and offers pricing options for small and midsized businesses and enterprises on a per-active-member basis. Its Platform includes Expense Management, Expensify Visa Commercial Card (Expensify Card), Expensify Travel, and Invoicing & Bill Pay. Expense Management occurs in three sequential phases: Capture, Approve and Pay. Expensify Card is powered by the Visa network. Expensify Card capabilities include unlimited virtual cards, real-time compliance and continuous automatic reconciliation. Expensify Travel is a travel platform that simplifies business travel by integrating booking, approvals, payments, and collaboration into one experience. It operates in the Technology sector (SERVICES-PREPACKAGED SOFTWARE industry).

Expensify Inc is a good buy right now due to its current price of $2.58, which is below the analyst target of $3, suggesting a potential upside of approximately 16.3%. Additionally, the RSI is at 61.82, indicating bullish momentum, while the company has recently completed a $25 million stock buyback, reflecting management's confidence in its stock value. However, it is important to note that the company reported a net income loss of $3.85 million in Q2 2026, which is a significant risk.

This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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