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.
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.
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).
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
SEC XBRL FY 2025 (10-K): 14.1% FCF Margin ($20.1M FCF) & 50.3% Gross Margin
Altman Z-Score 2.33 (WATCH ZONE (1.8–3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)
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.
Established market leader in Technology with deep daily trading liquidity.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.40) and Max Pain ($2.55) 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 -2.41% to $2.43, trading at 82% 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.
SAN FRANCISCO, October 22, 2026--Expensify, Inc. (Nasdaq: EXFY), the easiest way to manage expenses, corporate cards, and travel, today announced that the company’s Q3 2026 financial results will be released after market
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 #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 → |
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 2026-11-01, 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.
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).
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 $2.43 (-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).
Why EXFY Stock dropped -2.41% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (-20% return on capital) under elevated 10-year interest-rate pressure.
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).