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Upturn AI SWOT - About
EXFY 
Expensify Inc (EXFY)
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Upturn Advisory Summary
09/16/2025: EXFY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $3.17
1 Year Target Price $3.17
| 2 | Strong Buy |
| 0 | Buy |
| 3 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -42.37% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 176.04M USD | Price to earnings Ratio - | 1Y Target Price 3.17 |
Price to earnings Ratio - | 1Y Target Price 3.17 | ||
Volume (30-day avg) 5 | Beta 1.73 | 52 Weeks Range 1.60 - 4.13 | Updated Date 09/16/2025 |
52 Weeks Range 1.60 - 4.13 | Updated Date 09/16/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -10.72% | Operating Margin (TTM) -28.91% |
Management Effectiveness
Return on Assets (TTM) -3.64% | Return on Equity (TTM) -12.58% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 123488112 | Price to Sales(TTM) 1.22 |
Enterprise Value 123488112 | Price to Sales(TTM) 1.22 | ||
Enterprise Value to Revenue 0.86 | Enterprise Value to EBITDA -67.91 | Shares Outstanding 80549296 | Shares Floating 58412485 |
Shares Outstanding 80549296 | Shares Floating 58412485 | ||
Percent Insiders 24.51 | Percent Institutions 42.63 |
Upturn AI SWOT
Expensify Inc
Company Overview
History and Background
Expensify, Inc. was founded in 2008 and went public in 2021. It provides a cloud-based expense management software platform designed to streamline expense reporting, invoice management, and bill payment processes for businesses of all sizes.
Core Business Areas
- Expense Management: Expensify's core offering automates expense tracking, receipt scanning, and report generation for employees and accountants.
- Invoice Management: Allows businesses to create, send, and track invoices, and offers options for online payment processing.
- Bill Payment: Provides a platform to manage and pay bills electronically, integrating with accounting software.
Leadership and Structure
The CEO of Expensify is David Barrett. The company has a typical corporate structure with departments dedicated to engineering, sales, marketing, customer support, and finance.
Top Products and Market Share
Key Offerings
- Expensify Platform: Expensify's cloud-based platform automates expense reporting, receipt scanning, and approval workflows. Market share data is difficult to pinpoint exactly. Competitors include SAP Concur, Zoho Expense, and QuickBooks. Expensify claims to have millions of users.
- Expensify Card: Expensify offers a corporate card that integrates directly with its expense management software. This provides real-time expense tracking and simplifies reconciliation. Competitors include Brex, Ramp, and Divvy (now part of Bill.com).
Market Dynamics
Industry Overview
The expense management software market is experiencing significant growth, driven by increasing globalization, remote work trends, and the need for automation to improve efficiency and reduce costs.
Positioning
Expensify is positioned as a user-friendly and scalable solution for businesses of all sizes. Its competitive advantages include its focus on automation, integration with accounting software, and mobile-first approach.
Total Addressable Market (TAM)
The global expense management software market is projected to reach billions of dollars. Expensify is well-positioned to capture a significant share of this market through continued innovation and expansion.
Upturn SWOT Analysis
Strengths
- User-friendly interface
- Strong integration with accounting software
- Mobile-first approach
- Focus on automation
- Scalable platform
Weaknesses
- Dependence on integrations with accounting software
- Competition from larger, more established players
- Pricing can be a barrier for smaller businesses
- Limited features compared to some competitors in areas like travel management.
Opportunities
- Expanding into new markets
- Developing new features and integrations
- Partnering with other software providers
- Capitalizing on the growth of remote work
- Further automation using AI/ML
Threats
- Increased competition
- Economic downturn
- Changes in regulations
- Cybersecurity threats
- Emergence of disruptive technologies
Competitors and Market Share
Key Competitors
- CRM
- ADSK
- INTU
Competitive Landscape
Expensify faces competition from larger, more established players with broader product portfolios. However, Expensify's focus on automation, user-friendliness, and mobile-first approach gives it a competitive edge in certain segments.
Growth Trajectory and Initiatives
Historical Growth: Expensify has demonstrated growth in user base and revenue over the past years, driven by its expanding product portfolio and increasing adoption of cloud-based expense management solutions.
Future Projections: Future growth projections depend on various factors, including market conditions, competition, and the company's ability to execute its strategic initiatives. Analyst estimates vary and are not provided here.
Recent Initiatives: Recent initiatives include product updates, integration with new partners, and expansion into new markets.
Summary
Expensify is a growing company in the expense management software market with a user-friendly platform and a focus on automation. While it faces competition from larger players, its competitive advantages and strategic initiatives position it for future growth. The company needs to continue innovating and expanding its product portfolio to maintain its competitive edge. Expensify should also monitor market trends and adapt to changing customer needs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Expensify Inc
Exchange NASDAQ | Headquaters Portland, OR, United States | ||
IPO Launch date 2021-11-10 | Founder, CEO, President & Director Mr. David Barrett | ||
Sector Technology | Industry Software - Application | Full time employees 115 | Website https://www.expensify.com |
Full time employees 115 | Website https://www.expensify.com | ||
Expensify, Inc. provides a cloud-based expense management software platform in the United States and internationally. The company offers Expensify, a platform that offers corporate card management, bills payment, invoice generation, payment collection, and travel booking services, 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 Portland, Oregon.
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