Expensify, Inc. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
EXFY on Nasdaq
Location
San Francisco, CA
Fiscal year end
31 December
Latest financial report
26 Feb 2026

Quick Takeaways

  • EXFY - Expensify, Inc. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity -16%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+87%</span>.
  • Most recent SEC facts end date: 31 Dec 2025.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2025-12-31) highlights Return On Equity -16.4%, Return On Assets -11.9%, and Operating Margin -12.7%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

35.1/100

Weak Confidence high

Return On Equity

-16%

Metric score 0.0/100

Return On Assets

-12%

Metric score 0.0/100

Financial Health

Current Ratio
3.3x
Quick Ratio
1.63x
Debt to Equity
0.4x

Strengths

Quick Ratio and Debt-to-equity

Watchpoints

Return On Equity, Return On Assets, and Operating Margin

Key metrics snapshot

Return On Equity

-16%

YoY: +87%

Industry median: 1.8% (n=305)

View history

Return On Assets

-12%

YoY: +107%

Industry median: -5.4% (n=303)

View history

Operating Margin

-13%

YoY: +2053%

Industry median: -8.2% (n=263)

View history

Current Ratio

3.3x

YoY: -8.4%

Industry median: 1.3x (n=304)

View history

Quick Ratio

1.63x

YoY: +0.86%

Industry median: 0.94x (n=234)

View history

Debt-to-equity

0.4x

YoY: -27%

Industry median: 0.51x (n=238)

View history

Revenues YoY

2.1%

YoY:

Industry median: 10% (n=265)

View history

NetIncomeLoss YoY

-113%

YoY:

Industry median: 6.9% (n=284)

View history

Profitability

Metric Latest value YoY change
Return On Equity -16% +87%
Return On Assets -12% +107%
Operating Margin -13% +2053%

Financial Health

Metric Latest value YoY change
Current Ratio 3.3x -8.4%
Quick Ratio 1.63x +0.86%
Debt-to-equity 0.4x -27%

Growth

Metric Latest value YoY change
Revenues YoY 2.1%
NetIncomeLoss YoY -113%

Share Metrics

Metric Latest value YoY change
Common Stock, Value, Issued $9,000 0%
Weighted Average Number of Shares Outstanding, Basic 92,283,974 +5.6%
Weighted Average Number of Shares Outstanding, Diluted 92,283,974 +5.6%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $142,101,000 +2.1%
Cost of Revenue $70,574,000 +9.9%
Research and Development Expense $20,683,000 -16%
Selling and Marketing Expense $26,742,000 +109%
General and Administrative Expense $42,121,000 +9.7%
Operating Income (Loss) $18,019,000 -2097%
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $16,293,000 -581%
Income Tax Expense (Benefit) $5,096,000 -33%
Earnings Per Share, Basic -0.23 -92%
Earnings Per Share, Diluted -0.23 -92%
Cash and Cash Equivalents, at Carrying Value $63,080,000 +29%
Accounts Receivable, after Allowance for Credit Loss, Current $12,617,000 -0.66%
Other Assets, Current $26,344,000 +26%
Assets, Current $153,007,000 +12%
Deferred Income Tax Assets, Net $494,000 -1%
Property, Plant and Equipment, Net $13,016,000 -4.4%
Operating Lease, Right-of-Use Asset $4,639,000 -11%
Other Assets, Noncurrent $1,146,000 +13%
Assets $185,989,000 +7.1%
Accounts Payable, Current $289,000 +47%
Contract with Customer, Liability, Current $562,000 +15%
Liabilities, Current $46,405,000 +22%
Accrued Income Taxes, Noncurrent $1,600,000 +6.7%
Operating Lease, Liability, Noncurrent $5,061,000 -10%
Other Liabilities, Noncurrent $1,778,000 +5.3%
Liabilities $53,244,000 +17%
Retained Earnings (Accumulated Deficit) $172,217,000 -14%
Stockholders' Equity Attributable to Parent $132,745,000 +3.5%
Liabilities and Equity $185,989,000 +7.1%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $104,624,000 +15%
Deferred Tax Assets, Valuation Allowance $14,219,000 +44%
Deferred Tax Assets, Gross $19,447,000 +22%
Depreciation $600,000 -25%
Lessee, Operating Lease, Liability, to be Paid $7,613,000 -12%
Property, Plant and Equipment, Gross $23,205,000 -0.2%
Operating Lease, Liability, Current $578,000 -1.9%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,033,000 +1.5%
Lessee, Operating Lease, Liability, to be Paid, Year One $1,018,000 -5.7%
Operating Lease, Weighted Average Discount Rate, Percent 0.083 0%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $1,974,000 -20%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,063,000 +2.9%
Deferred Tax Assets, Operating Loss Carryforwards $107,000 0%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 10,000,000 0%
Unrecognized Tax Benefits $1,900,000 -2.2%
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,095,000 +3%
Additional Paid in Capital $304,953,000 +9.3%
Preferred Stock, Shares Outstanding 0
Deferred Tax Assets, Net of Valuation Allowance $5,228,000 -13%
Share-based Payment Arrangement, Expense $26,578,000 -21%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY