Expensify Inc. (Class A) (EXFY) carries a Roarable Rating of D+ (Sell) with 53/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, Expensify Inc. (Class A) (NASDAQ: EXFY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $2.35 (-3.29% 1D, market cap $214.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, EXFY ranks #309 in composite RQD confidence.
Within the Technology sector (Computer Software: Prepackaged Software), EXFY carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of 50.3%, and ROIC of -20.4%. By comparison, SVCO (Silvaco Group Inc.) holds a E grade (20/100 RQD, P/E N/A, ROIC -35.0%, cap $208.1M) and GRRR (Gorilla Technology Group Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $207.9M). Among the 5-stock peer group, EXFY leads on earnings multiple (N/A) while XNET leads on capital efficiency (0.4% ROIC).
Per EXFY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001476840), Expensify Inc. (Class A) generated $142.1M in revenue (+2.1% YoY), -$21.4M in net income, and $20.1M in free cash flow against $186.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 78% of 52W Range • RSI-14 at 46.2 (NEUTRAL RANGE)
SEC XBRL FY 2025 (10-K): 14.1% FCF Margin ($20.1M FCF) & 50.3% Gross Margin
Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment
While EXFY currently carries a cautious 53/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Established market leader in Technology with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.39) and Max Pain ($2.47) forces dealer call-delta covering toward $2.95.
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Expensify Inc. (Class A) (EXFY) dropped -3.29% to $2.35, trading at 78% of its 52-week range ($0.69 – $2.81). Stretched risk/reward at current multiples (-20% return on capital) under elevated 10-year interest-rate pressure.
Stocktwits report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on EXFY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for EXFY. Explore sector supply chains on /butterfly.
Across 714 tracked Technology securities in the Roarable RQD universe, Expensify Inc. (Class A) (EXFY) ranks #309 by composite RQD confidence (53/100, grade D+) and #467 by equity capitalization ($214.3M). Within this direct 5-issuer industry benchmark cohort, EXFY leads on earnings valuation at N/A trailing P/E, while XNET leads on capital efficiency and profitability with 0.4% ROIC and — gross margin. EXFY currently leads its immediate peer cohort in composite quantitative strength at 53/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| EXFY
ACTIVE
Expensify Inc. (Class A) | D+ | 53/100 | — | 50.3% | -20.4% | -3.29% | $214.3M | Benchmark Subject |
| SVCO Silvaco Group Inc. | E | 20/100 | — | 78.3% | -35.0% | -8.77% | $208.1M | /svco-vs-exfy → |
| GRRR Gorilla Technology Group Inc. | D | 46/100 | — | — | — | -17.50% | $207.9M | /grrr-vs-exfy → |
| KLTR Kaltura Inc. | D | 44/100 | — | 70.6% | -34.3% | -3.33% | $221.2M | /kltr-vs-exfy → |
| XNET Xunlei Limited | D- | 39/100 | — | — | 0.4% | -2.47% | $226.0M | /xnet-vs-exfy → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Expensify Inc. (Class A) (EXFY) reported GAAP revenue of $142.1M (+2.1% vs. FY2024 revenue of $139.2M , and -5.7% cumulative change since FY2023) , GAAP net income of -$21.4M, operating cash flow of $20.1M, and free cash flow of $20.1M (-15.9% YoY). On the balance sheet, EXFY closed FY2025 with $186.0M in total assets against $0 in total debt (Altman Z-Score: 2.33, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $142.1M | -$21.4M | $20.1M | $20.1M | $186.0M | — |
| FY2024 (FY) | 2024-12-31 | $139.2M | -$10.1M | $23.9M | $23.9M | $173.7M | — |
| FY2023 (FY) | 2023-12-31 | $150.7M | -$41.5M | $1.6M | $1.6M | — | — |
As of 2026-11-03, Expensify Inc. (Class A) (NASDAQ: EXFY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 53/100 at a spot price of $2.35 (-3.29% 1D, market cap $214.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, EXFY ranks #309 in composite RQD confidence.
Within the Technology sector (Computer Software: Prepackaged Software), EXFY carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of 50.3%, and ROIC of -20.4%. By comparison, SVCO (Silvaco Group Inc.) holds a E grade (20/100 RQD, P/E N/A, ROIC -35.0%, cap $208.1M) and GRRR (Gorilla Technology Group Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC —, cap $207.9M). Among the 5-stock peer group, EXFY leads on earnings multiple (N/A) while XNET leads on capital efficiency (0.4% ROIC).
Per EXFY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001476840), Expensify Inc. (Class A) generated $142.1M in revenue (+2.1% YoY), -$21.4M in net income, and $20.1M in free cash flow against $186.0M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.
EXFY last traded at $2.35 (-3.29% on volume of 429,838 shares), positioning the stock -1.67% below its 50-day simple moving average ($2.39) and +45.96% above its 200-day simple moving average ($1.61). Across its 52-week range of $0.69 to $2.81, EXFY sits at the 78.3% percentile with a 14-day RSI of 46.2 (NEUTRAL RANGE) and an implied next-earnings move of ±9.6% ($2.12 to $2.58).
Why EXFY Stock dropped -3.29% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-20% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, EXFY scores 53 out of 100, equating to a letter grade of D+ and the verdict label "Roarable Sell — Weak Fundamentals / Trim." The fundamental cash engine pillar scores 11 out of 20, reflecting a ROIC of -20.4% alongside an FCF yield of 9.06%; the positive FCF yield is the main offset to negative returns on invested capital. Whale/13F flow scores 11 out of 20, reflecting institutional accumulation and options positioning, though no holder detail is supplied in the source data. Insider conviction scores 9 out of 20, reflecting SEC Form 4 and Congressional PTR cluster flow, the weakest pillar on the scorecard. Macro regime fit scores 12 out of 20, with a beta of 1.0 and sector sensitivity as the stated inputs. Forensic balance sheet scores 10 out of 20, reflecting an Altman Z-Score of 2.33, a Piotroski F-Score of 5 out of 9, and a debt-to-equity ratio of 0.5.
For a prospective investor evaluating the stock today, the pillar profile points to weak operating economics offset partially by cash generation and a moderate balance sheet. Upside drivers would need to come from a durable improvement in returns on capital and stronger insider or institutional conviction, neither of which the source data demonstrates. Valuation tradeoffs are difficult to assess because P/E, forward P/E, EV/EBITDA, and EPS are not available in source data. The rating is an analytical summary of the supplied data and is not personalized financial advice.
Per the profile, Expensify Inc. (Class A) is a NASDAQ-listed issuer in the Technology sector and Computer Software: Prepackaged Software industry. Its market capitalization is $0.2B per the profile. Per the SEC financials, the company reported revenue of $142.1M for FY 2025. Customer segments and detailed revenue-generation mechanics are not available in source data.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $142.1M | $-18.0M | $-21.4M | N/A | $20.1M | $63.1M | N/A |
| FY 2024 | $139.2M | $-0.8M | $-10.1M | N/A | $23.9M | $48.8M | N/A |
| FY 2023 | $150.7M | $-33.1M | $-41.5M | N/A | $1.6M | N/A | N/A |
Per the market data, gross margin is 50.3%, operating margin is -12.7%, and net margin is -15.1%, with ROIC at -20.4%. Per the Roarable RQD rating, the Altman Z-Score is 2.33 and the Piotroski F-Score is 5 out of 9. Debt-to-equity is 0.5 per the RQD forensic inputs. Reported operating and net losses persisted across all three periods shown, while FCF was positive in each reported period.
Per the recent news feed, all five items are flagged YELLOW with the impact label MARKET WIRE. Items reference an upcoming Q3 2026 results announcement, a native integration with the Campfire ERP platform, and general market-positioning coverage from Stocktwits, TradingView, Yahoo Finance, Investing.com UK, and Simply Wall St. The Q3 2026 results announcement is a dated catalyst to monitor. The feed does not provide the content of the results or the terms of the integration. Per the Butterfly Supply-Chain Graph, no proprietary signals or supply-chain links are recorded.
Per the Butterfly Supply-Chain Graph, supply chain status is NONE, with no butterfly links and no proprietary signals recorded. Upstream and downstream dependencies, sector correlations beyond the stated sector and industry, and second-order bottlenecks are not available in source data.
Analyst consensus, price targets, and holder data are not available in source data.
Real-time company headlines, analyst actions, and sector developments for Expensify Inc. (Class A) (EXFY) • Click "Debate This Headline" to argue it in the Roar Pit below
Stocktwits report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Investing.com UK report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
ad-hoc-news.de report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering Expensify Inc. (Class A) (EXFY) market action, institutional positioning, and fundamental catalysts.
Welcome to the EXFY (Expensify Inc. (Class A)) Roar Pit. Current RQD Composite is 53/100 (Roarable Sell — Weak Fundamentals / Trim) in Computer Software: Prepackaged Software. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on EXFY, but look at what you are paying: current EV/EBITDA multiples with 50.3% gross margins. Unless Expensify Inc. (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on EXFY, the market is fixating on short-term headline noise in Computer Software: Prepackaged Software and ignoring the balance sheet and cash flow trajectory. At $2.43 (52-wk range $0.69 - $2.81), any beat on forward guidance forces shorts and underweight funds to chase.
To protect compute speed and zero-delay Cboe BZX data quality for active members, our current $9.95/month Roarable Pro cohort is 100% full. Join the priority waiting list below and we will notify you the moment the next batch of Pro accounts opens (and lock in your $9.95/mo rate).
Link your personal ChatGPT, Claude Desktop, or Cursor via Roarable's Model Context Protocol (`mcp.roarable.com`) to query all 5,289 stocks, inspect Butterfly supply chains, and trade your `$100K Arena` account.
Interrogate SEC 10-K/10-Q filings on demand and ask custom ticker, valuation, or short-thesis questions directly to any of our 8 specialized AI Quant Analysts.
Command our AI agents to sort and sift 5,289 stocks by custom formulas, follow multi-indicator technical & cash-flow setups, and send you instant Email/SMS breakout & downgrade alerts.
Unlock sub-second Cboe BZX streaming quotes, pre-market/after-hours delta scanners, instant SEC Form 4 insider cluster alerts, and unlimited portfolio stress-testing.
All 8 Roarable Analysts (Mara Quenwick, Devon Kess, Gideon Vane, Eliott Vance, Sorel Thorne, Corin Hale, Tessa Rane, and Felix Orven) are proprietary AI Quant Analysts and automated algorithmic specialists — not human financial advisors, fiduciaries, or registered broker-dealers. While one-to-many daily stock ratings and briefings are free, custom 1-on-1 Q&A, custom AI sifting/indicator alert agents, and personal ChatGPT/Claude MCP connections consume dedicated per-user compute and require a $9.95/month Roarable Pro membership. All AI outputs are for educational and research purposes only and never constitute individualized investment advice.
Enter your Google email below for instant 1-step account activation, daily A–E stock rating alerts, and immediate access to your $100,000.00 Virtual Cash Arena account (100% free — no credit card required).