Stocktoria
Expensify, Inc. EXFY
Expensify, Inc. (EXFY) earns a Piotroski F-score of 2/9 (weak financial health), with an Altman Z″ in the safe zone. It does not currently pay a dividend. FY2025 revenue was $142.1M at a -15.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -3.62 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 2/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · safe zone
| Component | Value |
|---|---|
| Working capital / assets | 0.573 |
| Retained earnings / assets | -0.926 |
| EBIT / assets | -0.097 |
| Equity / liabilities | 2.493 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| EXFY | Expensify, Inc. | 2/9 | 2.71 | — | +2.1% |
| BLZE | Backblaze, Inc. | 5/9 | -3.65 | — | +14.3% |
| LAW | CS Disco, Inc. | 4/9 | -1.07 | — | +8.3% |
| CCLD | CareCloud, Inc. | 4/9 | 1.11 | 8.5 | +8.7% |
| CLPS | CLPS Inc | 2/9 | 2.23 | — | +15.2% |
| CMCM | Cheetah Mobile Inc. | 5/9 | 0.34 | — | +48.8% |
| DRTTF | DIRTT ENVIRONMENTAL SOLUTIONS LTD | 3/9 | -5.72 | — | -3.1% |
About Expensify, Inc.
Expensify, Inc. provides a cloud-based expense management software platform in the United States and internationally. The company offers Expensify, a platform that engages in managing corporate cards, paying bills, generating invoices, collecting payments, and booking travel, as well as track and submit plans for individuals. It serves individuals and corporations, small and midsized businesses, and enterprises. The company was founded in 2008 and is based in San Francisco, California.
FAQ
Is EXFY financially healthy?
Expensify, Inc.'s Piotroski F-score is 2/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the safe zone.
Does EXFY pay a dividend?
No, Expensify, Inc. does not currently pay a dividend.
How profitable is EXFY?
In FY2025, Expensify, Inc. had a net margin of -15.1% and a return on equity of -16.1%.
What is the analyst price target for EXFY?
The average Wall-Street price target for Expensify, Inc. is $1.12, about 49.3% below the recent price, from 2 analysts.
Is EXFY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Expensify, Inc.: a Piotroski F-score of 2/9, an Altman Z″ in the safe zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.