Expensify, Inc. (EXFY)
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
$2.23-6.30%
Close 2026-11-05 · 1-day change
NASDAQInformation TechnologySoftware - ApplicationSnapshot 2026-11-05
QuarterlyIQ Insights · EXFY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Revenue from New Expensify increased 30% from Q2, and is up 212% y/y.
Stated in 2 of 3 supplied quarters. Management reported: “Revenue from New Expensify increased 30% from Q2, and is up 212% y/y.” “We'll talk about this more on the earnings call, but revenue from net new customers – meaning, customers who have signed up on New Expensify and have never seen or used Classic – has grown by over 250% year-over-year , to over $10 million ARR across over 10,000 new customers .”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Information Technology names rated weak grew net income 47% of the time over the next year (vs 59% for the rest of the cohort, n=6380).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Revenue from New Expensify increased 30% from Q2, and is up 212% y/y.”
“We'll talk about this more on the earnings call, but revenue from net new customers – meaning, customers who have signed up on New Expensify and have never seen or used Classic – has grown by over 25…”
Based on this continued strength we've increased FY 2026 FCF guidance by $1.5 million to $13.5 million - $15.5 million.
Stated in 2 of 3 supplied quarters. Management reported: “Q3 produced $4.0 million in Operating Cash Flow, up 510% from last year, and $3.3 million in Free Cash Flow, up 170% from last year.” “Free Cash Flow Expensify estimates free cash flow of $13.5 million - $15.5 million for the fiscal year ending December 31, 2026.”
“Based on this continued strength we've increased FY 2026 FCF guidance by $1.5 million to $13.5 million - $15.5 million.”
“Free Cash Flow Expensify estimates free cash flow of $12.0 million - $14.0 million for the fiscal year ending December 31, 2026.”
Some of this was used to repurchase 722,121 shares of Class A common stock, returning approximately $1.3 million to shareholders.
Stated in 2 of 3 supplied quarters. Management reported: “Some of this was used to repurchase 722,121 shares of Class A common stock, returning approximately $1.3 million to shareholders.” “Exhibit 99.1 Based on that conviction, we attempted to repurchase $25 million of Class A common stock using a modified Dutch auction tender offer, and successfully repurchased 6.1 million shares of Class A common stock at $1.20 per share.”
“Some of this was used to repurchase 722,121 shares of Class A common stock, returning approximately $1.3 million to shareholders.”
“Exhibit 99.1 Based on that conviction, we attempted to repurchase $25 million of Class A common stock using a modified Dutch auction tender offer, and successfully repurchased 6.1 million shares of C…”
We now issue in the UK and 12 EU countries for GBP and EUR bank accounts, with enhanced PIN/biometric controls, one-time/date-bound virtual cards, and more real-time spend controls by currency, max a…
Stated in 2 of 3 supplied quarters. Management reported: “We now issue in the UK and 12 EU countries for GBP and EUR bank accounts, with enhanced PIN/biometric controls, one-time/date-bound virtual cards, and more real-time spend controls by currency, max amount, and merchant.” “• Interchange revenue derived from the Expensify Card grew to $5.8 million, an increase of 8% as compared to the same period last year.”
“We now issue in the UK and 12 EU countries for GBP and EUR bank accounts, with enhanced PIN/biometric controls, one-time/date-bound virtual cards, and more real-time spend controls by currency, max a…”
“• Interchange revenue derived from the Expensify Card grew to $5.9 million, an increase of 12% as compared to the same period last year.”
Retain and expand Classic customer base by migrating remaining users to New Expensify for improved experience and growth.
Over the trailing year it converted -1.05x of net income into operating cash flow.
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
7 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Information Technology names rated neutral grew net income 56% of the time over the next year (vs 55% for the rest of the cohort, n=8114).
Not investment advice. As of 2026-11-05.