Stock Ratings / Technology / EXFY / dividends

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Expensify Inc. (Class A) (EXFY) Dividend Safety Gauge & 10-Year DRIP Compounder

$2.43 -2.41% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.41

Expensify Inc. (Class A) (EXFY) carries a Roarable Rating of D (Sell) with 46/100 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.

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $221.6M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.41 (-0.62%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 14.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (46/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-6.1% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-5.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EXFY)Realized 20D OHLCV Swing Band: ±10.6%

Deterministic 5-Pillar Attribution (46/100 Composite)

🔍 WHY EXFY SCORES 46/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+11/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 14.1% FCF Margin ($20.1M FCF) & 50.3% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (22% of score)

Altman Z-Score 2.33 (WATCH ZONE (1.8–3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$2.40+0.8% Next Q

Q2 (-2Q)

Grade D$2.42+7% Next Q

Q3 (-1Q)

Grade D$2.59-6.2% Next Q

Current

Grade D$2.43-6.1% Hist 90D α

Trajectory: E (38) → D (46)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a EXFY Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While EXFY currently carries a cautious 46/100 (D) rating due to Whale & Options Positioning (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.40) and Max Pain ($2.55) forces dealer call-delta covering toward $2.95.

🚀 Contrarian Squeeze Trigger #3

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.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EXFY• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “EXFY Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 46%NO 54%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring EXFY)

✓Walkthrough of EXFY's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EXFY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +138.24%📐 WEDGE COMPRESSION COIL

2026-10-30O $2.40H $2.43L $2.28C $2.43VOL 429.7K

RES: $2.64SUP: $2.24SMA50: $2.40SMA200: $1.60

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EXFY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EXFY Butterfly Map → + Track EXFY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +2.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on EXFY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EXFY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for EXFY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EXFY)

Technology Rank #471 of 714 ⚔️ SVCO vs EXFY Full Matrix →

1. Head-to-Head Technology Peer Comparison (EXFY vs. SVCO, KLTR, XNET, DUOT)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Expensify Inc. (Class A) (EXFY) ranks #471 by composite RQD confidence (46/100, grade D) and #470 by equity capitalization ($221.6M). 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. XNET currently holds the highest overall quantitative score in the immediate peer group at 47/100 (D) compared with EXFY at 46/100 (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	46/100	—	50.3%	-20.4%	-2.41%	$221.6M	Benchmark Subject
SVCO Silvaco Group Inc.	E	32/100	—	78.3%	-35.0%	-2.18%	$228.1M	/svco-vs-exfy →
KLTR Kaltura Inc.	D-	42/100	—	70.6%	-34.3%	0.00%	$228.8M	/kltr-vs-exfy →
XNET Xunlei Limited	D	47/100	—	—	0.4%	+0.28%	$231.7M	/xnet-vs-exfy →
DUOT Duos Technologies Group Inc.	D-	40/100	—	29.2%	-15.9%	+0.47%	$203.3M	/duot-vs-exfy →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001476840

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	—	—

3. EXFY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EXFY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Expensify Inc. (Class A) (NASDAQ: EXFY) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 46/100 at a spot price of $2.43 (-2.41% 1D, market cap $221.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 9/20. Across 714 tracked Technology issuers, EXFY ranks #471 in composite RQD confidence.

How does EXFY compare to SVCO and KLTR in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), EXFY carries a Roarable D (46/100 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 (32/100 RQD, P/E N/A, ROIC -35.0%, cap $228.1M) and KLTR (Kaltura Inc.) posts a D- grade (42/100 RQD, P/E N/A, ROIC -34.3%, cap $228.8M). Among the 5-stock peer group, EXFY leads on earnings multiple (N/A) while XNET leads on capital efficiency (0.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EXFY?

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.

Where is EXFY trading relative to its 50-day, 200-day, and 52-week technical levels?

EXFY last traded at $2.43 (-2.41% on volume of 476,229 shares), positioning the stock +1.25% above its 50-day simple moving average ($2.40) and +51.88% above its 200-day simple moving average ($1.60). Across its 52-week range of $0.69 to $2.81, EXFY sits at the 82.1% percentile with a 14-day RSI of 45.8 (NEUTRAL RANGE) and an implied next-earnings move of ±10.6% ($2.17 to $2.69).

EXFY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does EXFY pay a dividend and is it safe?

Expensify Inc. (Class A) (EXFY) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: EXFY RQD Cockpit EXFY 12M Forecast EXFY Earnings & Move EXFY Dividends & DRIP EXFY Insiders & 13F EXFY Whale Options EXFY Profit Sankey EXFY News & Why