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Upturn AI SWOT - About
EXFY 
Expensify Inc (EXFY)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/02/2025: 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 $2.83
1 Year Target Price $2.83
| 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 139.56M USD | Price to earnings Ratio - | 1Y Target Price 2.83 |
Price to earnings Ratio - | 1Y Target Price 2.83 | ||
Volume (30-day avg) 5 | Beta 1.7 | 52 Weeks Range 1.33 - 4.13 | Updated Date 12/2/2025 |
52 Weeks Range 1.33 - 4.13 | Updated Date 12/2/2025 | ||
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 2025-11-06 | When - | Estimate 0.0679 | Actual 0.047 |
Profitability
Profit Margin -10.83% | Operating Margin (TTM) -6.44% |
Management Effectiveness
Return on Assets (TTM) -4.69% | Return on Equity (TTM) -12.19% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 84033373 | Price to Sales(TTM) 0.97 |
Enterprise Value 84033373 | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 0.58 | Enterprise Value to EBITDA -67.91 | Shares Outstanding 80840150 | Shares Floating 58670340 |
Shares Outstanding 80840150 | Shares Floating 58670340 | ||
Percent Insiders 24.59 | Percent Institutions 39.86 |
Upturn AI SWOT
Expensify Inc
Company Overview
History and Background
Expensify Inc., founded in 2008, provides a cloud-based expense management software platform. It went public in November 2021. Initially focusing on preaccounting, it has evolved to offer a more comprehensive suite of financial tools for businesses of all sizes.
Core Business Areas
- Expense Management: Provides automated expense report creation, submission, and reimbursement. Includes features like receipt scanning, coding, and approval workflows.
- Bill Pay: Enables businesses to manage and pay their bills electronically, integrating with accounting systems.
- Travel Management: Offers travel booking and management tools integrated with expense reporting.
- Card Services: Provides corporate cards integrated with the Expensify platform, streamlining expense tracking.
Leadership and Structure
The company is led by CEO David Barrett. Expensify operates with a relatively flat organizational structure, promoting autonomy and collaboration among employees.
Top Products and Market Share
Key Offerings
- Competitors: SAP Concur (SAP),Coupa (COUP),Zoho Expense (Zoho)
- Expense Management: Expensify's core product automates expense reporting and reimbursement. Market share is estimated at 1-5% with competitors like SAP Concur (SAP), Coupa (COUP) and Zoho Expense (Zoho). Revenue is not typically broken down by specific product but forms the majority of total revenue.
- Bill Pay: Expensify's bill pay feature allows businesses to manage and pay bills online. Market share is smaller relative to expense management, with competitors like Bill.com (BILL) and Melio. Revenue contribution is growing but smaller than expense management.
- Competitors: Bill.com (BILL),Melio
Market Dynamics
Industry Overview
The expense management software industry is competitive, with a mix of established players and emerging startups. Growth is driven by the increasing need for automation and efficiency in financial processes.
Positioning
Expensify targets businesses of all sizes, focusing on ease of use and automation. It competes with larger players like SAP Concur and smaller startups offering niche solutions.
Total Addressable Market (TAM)
The TAM for expense management software is estimated to be in the billions of dollars annually. Expensify is positioned to capture a portion of this market through its focus on automation and user experience.
Upturn SWOT Analysis
Strengths
- User-friendly interface
- Automated expense reporting
- Integrated platform
- Strong brand recognition
Weaknesses
- Smaller market share compared to established players
- Reliance on SMB market
- Profitability challenges
- Customer service reviews are sometimes mixed
Opportunities
- Expansion into new markets
- Integration with other business software
- Development of new features and services
- Increased adoption of cloud-based solutions
Threats
- Competition from larger, well-funded companies
- Economic downturn
- Changing regulations
- Data security breaches
Competitors and Market Share
Key Competitors
- SAP (SAP)
- BILL (BILL)
- COUP (COUP)
Competitive Landscape
Expensify's advantages lie in its user-friendliness and automation. Its disadvantages include its smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Expensify has experienced periods of rapid growth followed by periods of slower growth or decline.
Future Projections: Analyst projections for Expensify's future growth vary widely. Factors include increased marketing, partnerships, and macroeconomic factors.
Recent Initiatives: Recent initiatives include new integrations, product updates, and marketing campaigns.
Summary
Expensify offers a solid expense management product that is highly regarded by its user base, the company is facing increasing market pressures from larger competitors. Its future success hinges on its ability to scale effectively, retain market share, and innovate its offerings to stay competitive in a rapidly evolving industry.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Market research reports
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Market share estimates are approximate and may vary. Financial data should be verified independently.
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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