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Expensify

NSQ:EXFY · US30219Q1067
SoftwareSmall

360

29
EV / EBIT93
Price / Owner Earnings77
Owner Earnings Yield1
Dividend Yield1
Price/Sales81
EV / Gross Profit89
Price/Book87
Return on Capital23
Cash Return on Capital29
Return on Equity32
EBIT Margin16
Gross Profitability46
Accruals79
Owner Earnings Margin21
Sales growth10
Profit growth12
Reinvestment98
Price momentum19
Debt load81
Refinancing98
Debt Payback1
Liquidity4
Analyst ratings5
Opinion Changes50
Price Target Upside1
Market mood9
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Expensify doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryUSA
IndustrySoftware
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded2009
Employees170
Websiteexpensify.com
ISINUS30219Q1067
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
FintechProcess AutomationTeam CollaborationArtificial IntelligenceOnline PaymentsInvoice Management SoftwareSoftware DevelopmentAppsFinancial ServicesInformation TechnologyLending and InvestmentsMobileOtherPaymentsProfessional ServicesSoftware

Description

Expensify, Inc. (Expensify) is a primary cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. Every day, people from all walks of life in organizations around the worl…

Analysis

Middle-of-the-road

Expensify, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is adequate. The company scores 0/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
49
2023202420252026

All-time high

80

Jan 2025

All-time low

10

Jan 2023

Average rank

46

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
81
68
72
19
Price/Earnings
36
81
47
25
Price/Book
87
67
64
19
Dividend Yield
1
1
1
1
Value (overall)
73
78
56
6

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →