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EXFY

Expensify, Inc.

Technology · $214M market cap

Verdict

Share price

$2.25

close of Oct 3, 2026

Fair value

$1.51

Sticker Price

Payback Price

$0.604

buy price

Overpriced

EXFY is Overpriced: at $2.25 it trades 49% above its fair value of $1.51. Its buy price (Payback Price) is $0.604, 73% below today's price. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Free Cash Flow Growth. There's too little earnings history to value it on earnings, but it has produced free cash flow consistently, so we value it on cash flow.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth—?
Equity per share growth7.3% a year✗
Sales growth9.9% a year✗
Free cash flow growth20.6% a year✓
Return on invested capital-12.9%✗

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Insider activity

Since May 22, 2026: no open-market purchases, 1 sale worth $14K and 10 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Alvarez Divo Carlos Eduardo

director · 2026-06-15

Sold

$14K

Other filings

Liu Ying

director · 2026-07-05

Award

3,731 shares

Barrett David Michael

Chief Executive Officer · 2026-06-23

Award

$3.7M

Mills Jason Fahr

director · 2026-06-23

Award

$2.0M

Schaffer Ryan

Chief Financial Officer · 2026-06-23

Award

$2.0M

Vidal Daniel

director · 2026-06-23

Award

$2.0M

Show all 10 other filings

Barrett David Michael

Chief Executive Officer · 2026-06-23

Award

$111K

Barrett David Michael

Chief Executive Officer · 2026-06-23

Award

$3.6M

Christen Timothy L

director · 2026-05-22

Award

123,762 shares

Liu Ying

director · 2026-05-22

Award

123,762 shares

Pao Ellen

director · 2026-05-22

Award

123,762 shares

About Expensify, Inc.

Expensify, Inc. provides a digital platform accessible via the cloud, specializing in expense management for clients across the United States and globally. The company's flagship product, also called Expensify, is a comprehensive tool that streamlines various financial operations. These capabilities include overseeing corporate credit cards, settling bills, generating invoices, processing incoming payments, and…

Software - Application

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works