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EXFY

ExpensifyF
Nasdaq / Software & Services
Last Price
At close
2026-07-18
View Chart
Current thesis
At roughly a sub-$100M equity value based on recent third-party market-cap snapshots, EXFY still has positive free cash flow, a debt-free balance-sheet posture in management commentary, improving card interchange, and a visible product transition that could reaccelerate growth if New Expensify adoption converts into better retention and PLG motion. [#PR-2026-02-26]
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.1.
What can break
Management is intentionally increasing sales, marketing, and AI spend in 2026 while guiding free cash flow down to $6.0M-$9.0M versus $19.9M in FY25, raising execution risk. [#PR-2026-02-26]
Momentum
68
Value
49
Sentiment
0
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $0.95 · Bull $1.35 · Bear $0.55
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-17 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-17 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade F · Defensive
Confidence Medium · Net Neutral
Target $1.13
Why
Momentum68 · Δ7d -
Value49 · Δ7d +0.1
Sentiment0 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
68
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
49
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
+0.2
Sentiment
0
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade

Composite grade F. Momentum 67.9 / Value 49.2 / Sentiment 0.0

Fundamentals (TTM)
As of 2026-07-17
Market Cap
$176.48M
Beta
1.69
Shares Out
96.44M
P/E (TTM) · Derived
-7.9
P/S (TTM)
0.94
P/FCF (TTM)
6.29
Rev YoY
-5.8%
EPS YoY
-28.0%
Gross Margin
+48.6%
Op Margin
-9.5%
Net Debt
-$75.89M
Current Ratio
3.48
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology