EXFY — Expensify Inc

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

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. Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$1.15
Market Cap$111M
Float60.0M
Shares Outstanding84.3M
Price/Sales (TTM)0.80
vs. Analyst Target-2.2% to analyst PT
Profit Margin-14.68%
Operating Margin (TTM)-5.81%
Revenue (TTM)$140M
Earnings Growth (YoY)2755.30%
Dividend RateNone
Analyst Target Price$1.13 (5 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $88.1M -$1.7M $55.7M $8.1M
2021 $143M -$13.6M $89.1M -$5.1M
2022 $169M -$27.0M $107M -$9.2M
2023 $151M -$41.5M $83.8M -$28.0M
2024 $139M -$10.1M $75.0M $6.0M
2025 $142M -$21.4M $71.5M -$7.8M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $35.8M -$8.8M
Sep 2025 $35.1M -$2.3M
Dec 2025 $35.2M -$7.1M
Mar 2026 $34.0M -$2.3M

Ownership & Float

Insider Ownership24.0%
Institutional Ownership36.4%
Short Float6.2%

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$1.02Near-term / short-term trend
Weekly40-Week SMA$1.35Medium-term trend
Weekly80-Week SMA$2.10Cyclical trend (business cycle)
Weekly200-Week SMA$4.26Secular trend (multi-year)
Monthly10-Month SMA$1.31Near-term monthly trend
Monthly20-Month SMA$2.10Medium-term monthly trend
Monthly40-Month SMA$2.85Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$1.40 resistance 1.23x 3 months ago
$2.60 resistance 1.35x 10 months ago

Historical Earnings Reactions

TimeframeAvg ReturnMedianWin RateBestWorst
Gap N/A N/A N/A N/A N/A
1 Day N/A N/A N/A N/A N/A
1 Week N/A N/A N/A N/A N/A
2 Weeks N/A N/A N/A N/A N/A
1 Month N/A N/A N/A N/A N/A

Next earnings: August 6, 2026 (61 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

Insufficient historical data for monthly seasonality analysis (requires 7+ years of data).

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.05% 43.9% 212
Tuesday -0.15% 45.3% 236
Wednesday -0.67% 41.5% 234
Thursday 0.27% 47.4% 228
Friday -0.29% 44.2% 231

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 36.4%

Insider Transactions — Smart Summary

Total insider ownership: 24.0%

12-Month Insider Activity Summary

Total Filings46
Net Value-$727,600.714
Net Shares Change2,248,089
% of Float3.7%
C-Suite Filings27
Clusters Detected6

Key Insiders

NameTitleNet ValueFilingsActivity
McLaughlin Steven J. +$2.1M 1 1 buy
Christen Timothy L +$57,200 1 1 buy
Muralidharan Anuradha Chief Operating Officer -$49,785.95 2 2 sell
Alvarez Divo Carlos Eduardo -$13,507.346 1 1 sell
Schaffer Ryan Chief Financial Officer -$10,042.56 2 2 sell
Mills Jason Fahr -$9,072.15 1 1 sell
Vidal Daniel -$7,497.35 1 1 sell
Barrett David Michael Chief Executive Officer -$3,943.2 1 1 sell

Transaction Clusters

PeriodFilingsInsidersNet ValueSeniority
2025-06-18 – 2025-07-02 6 5 -$104,326.44 4 C-suite
2025-08-22 – 2025-09-05 6 5 -$115,515.86 4 C-suite
2025-09-24 – 2025-10-03 11 5 -$189,041.226 7 C-suite
2025-11-06 – 2025-11-13 3 3 -$5,200 1 C-suite
2025-12-05 – 2025-12-18 6 5 -$71,002.95 4 C-suite
2026-01-05 – 2026-01-12 5 5 -$96,555.986 2 C-suite

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-03-18 McLaughlin Steven J. +$2.1M Transaction at $0.94, now +22.0%
2025-12-18 Muralidharan Anuradha Chief Operating Officer -$810.65 Transaction at $1.55, now -25.8%
2025-12-18 Schaffer Ryan Chief Financial Officer -$4,079.6 Transaction at $1.55, now -25.8%
2025-11-13 Christen Timothy L +$57,200 Transaction at $1.43, now -19.6%
2026-01-12 Alvarez Divo Carlos Eduardo -$13,507.346 Transaction at $1.51, now -23.6%
2025-12-18 Vidal Daniel -$7,497.35 Transaction at $1.55, now -25.8%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Expensify Inc (EXFY) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for EXFY on Trend Edge →