EXFY - Expensify, Inc.

📈 Is growth accelerating? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	-4.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-141%)	-1.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-108%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-37%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-57%)	-3.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-125%)	-14.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-220%)	-16.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-236%)	-19.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-258%)	-14.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-218%)	-9.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-183%)	-0.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-106%)	7.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	13.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	22.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	35.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+199%)	56.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+374%)	72.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+505%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	33.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-300.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-233.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	25.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	75.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	90.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	78.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-100.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-110.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-40.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	22.2% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	91.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	44.4% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	28.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	26.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-442.5% Weak ↓ Weak Declining Year-over-year change in net income	-5.3% Weak ↑ Weak Improving Year-over-year change in net income	-217.9% Weak ↓ Weak Declining Year-over-year change in net income	16.2% Good ↓ Good Declining Year-over-year change in net income	81.8% Excellent ↑ Excellent Improving Year-over-year change in net income	87.1% Excellent ↑ Excellent Improving Year-over-year change in net income	75.5% Excellent ↑ Excellent Improving Year-over-year change in net income	36.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-112.1% Weak ↓ Weak Declining Year-over-year change in net income	-106.3% Weak ↓ Weak Declining Year-over-year change in net income	-41.4% Weak ↓ Weak Declining Year-over-year change in net income	19.4% Good ↓ Good Declining Year-over-year change in net income	84.5% Excellent Excellent Year-over-year change in net income	-29.9% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	8.5% Fair Fair Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	-97.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	—	7.6% Fair ↑ Fair Improving Year-over-year change in free cash flow	-40.9% Weak Weak Year-over-year change in free cash flow	28.8% Excellent Excellent Year-over-year change in free cash flow	—	N/M	N/M	-56.2% Weak Weak Year-over-year change in free cash flow	—	-398.1% Weak Weak Year-over-year change in free cash flow	N/M	-32.4% Weak Weak Year-over-year change in free cash flow	—	—	-53.5% Weak Weak Year-over-year change in free cash flow	-57.7% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	-5.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-6.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-6.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-6.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-3.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-2.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.9% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.0% Good Good Compound annual revenue growth over 3 years	18.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.5% Fair Fair Compound annual revenue growth over 5 years	10.1% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	-5.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-129%)	-11.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-6.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-132%)	-28.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-245%)	-4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-121%)	1.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	0.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	0.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-5.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-17.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-185%)	-40.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-304%)	-24.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-223%)	-6.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-134%)	-1.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-108%)	-13.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-9.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-146%)	-12.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	-50.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-353%)	-23.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-218%)	21.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	38.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+94%)	17.1% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	-23.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-217%)	—	—	—
Effective Tax Rate (%) (%)	-29.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-102.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-172.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1673.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	568.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6641.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-37.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-17.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.6% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-44.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-283.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.9% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-34.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-28.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	1.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	54.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	-21.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	-6.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-146%)	-20.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-235%)	-6.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-24.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-264%)	-8.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	-3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-124%)	-6.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	-8.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-155%)	-11.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-175%)	-20.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-236%)	-46.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-411%)	-29.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-294%)	-14.8% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-199%)	-7.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-152%)	-19.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-229%)	-18.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-223%)	-18.3% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-222%)	-54.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-461%)	-16.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-213%)	18.8% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+25%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	6.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	-32.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-313%)	—	—	—
FCF Margin (%) (%)	0.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	6.3% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.9% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	16.4% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	13.3% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	20.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.4% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	28.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.4% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-2.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-15.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	-2.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.0% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	15.0% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	-2.7% Weak → Weak Stable Free cash flow as a percentage of revenue Optimal: > 10%	36.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	27.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	-72.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	—	35.8% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	32.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	44.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	-0.05x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.31x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.80x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.67x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.52x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-5.64x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.68x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.92x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.11x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.34x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.08x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.28x Weak → Weak Stable Free cash flow relative to reported net income Optimal: > 1x	-1.92x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.14x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.98x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.50x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.33x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	—	1.91x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.20x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	6.51x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	-1.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-3.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	6.4% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	13.0% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-7.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-15.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-9.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-4.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-27.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-11.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-53.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-38.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	16.0% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	-1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-5.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	-1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	-3.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	-1.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	-5.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	-1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-5.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-1.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-109%)	-6.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-136%)	-2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	-1.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	-1.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	-2.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	-3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-119%)	-7.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-139%)	-17.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-197%)	-11.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-161%)	-5.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-131%)	-3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-119%)	-8.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-146%)	-8.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-8.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-147%)	-28.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-254%)	37.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+100%)	-48.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-360%)	-36.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-296%)	-5.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-130%)	18.1% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	0.50x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+11%)	—	—	—	0.80x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+77%)	—	-3.95x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-978%)	—	—	—	—	—	—	—
Interest Coverage (x)	—	—	—	—	—	12.92x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	0.68x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	0.49x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.95x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-3.89x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-10.04x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-6.36x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.92x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-0.59x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-5.89x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-2.68x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-18.13x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-22.71x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	—	10.39x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	15.96x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	5.91x Good Good Operating income divided by interest expense Optimal: > 5x	—	—	—	—
Net Debt (USD)	$-66.53M	$-63.08M	$-61.45M	$-60.52M	$-59.63M	$-48.77M	$-39.17M	$-53.23M	$-49.34M	$-47.51M	$-89.12M	$-97.80M	$-59.94M	$-103.79M	$-106.21M	$-105.54M	$-33.71M	$-98.40M	$-418.00K	$-45.43M	$-41.93M	$-34.40M	$-25.88M	—	$-9.99M	—
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	-39.73x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	-18.34x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	-8.09x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$0.36	—	$0.38	$0.39	$0.39	—	$0.40	$0.38	$0.39	—	$0.44	$0.47	$0.49	—	$0.52	$0.54	$0.50	—	$1.09	$1.18	$1.01	—	$0.78	—	—	—
Basic EPS, GAAP (USD)	$-0.02	$-0.08	$-0.03	$-0.10	$-0.03	$-0.02	$-0.02	$-0.03	$-0.04	$-0.08	$-0.21	$-0.14	$-0.07	$-0.04	$-0.10	$-0.10	$-0.09	$-0.45	$-0.18	$0.06	$0.08	$0.07	$-0.25	—	—	—
Free Cash Flow per Share (USD)	$0.00	—	$0.05	$0.06	$0.05	—	$0.04	$0.11	$0.04	—	$-0.07	$-0.01	$0.09	—	$-0.01	$0.20	$0.14	—	—	$0.42	$0.33	—	—	—	—	—
Book Value per Share (USD)	$1.48	—	$1.47	$1.43	$1.47	—	$1.36	$1.32	$1.25	—	$1.15	$1.22	$1.26	—	$1.18	$1.15	$1.05	—	$-0.47	$-0.46	$-0.75	—	$-1.37	—	—	—
Tangible Book Value per Share (USD)	$1.48	—	$1.47	$1.43	$1.47	—	$1.36	$1.32	$1.25	—	$1.15	$1.22	$1.26	—	$1.18	$1.15	$1.05	—	$-0.47	$-0.46	$-0.75	—	$-1.37	—	—	—
Basic Weighted Avg Shares (shares)	93.72M	—	92.56M	92.27M	91.50M	—	88.18M	86.59M	85.14M	—	82.47M	82.01M	81.77M	—	80.94M	80.47M	80.15M	—	34.49M	29.84M	29.52M	—	27.95M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$112.88M	$106.60M	$108.20M	$103.86M	$106.45M	$98.87M	—	—	$72.87M	$69.34M	—	—	$132.21M	—	—	—	$113.17M	—	$55.94M	—	—	—	—	—	—	—
LT Debt (USD)	—	—	—	—	—	—	—	—	$0.00	—	—	—	$51.30M	—	—	—	$67.39M	—	$67.64M	—	—	—	—	—	—	—
Total Equity (USD)	$138.53M	$132.75M	$135.66M	$131.81M	$134.65M	$128.24M	$119.93M	$114.00M	$106.51M	$100.74M	$95.06M	$99.86M	$102.70M	$97.24M	$95.81M	$92.69M	$84.47M	$76.61M	$-17.12M	$-13.79M	$-22.16M	$-31.04M	$-38.41M	$-43.48M	$-48.46M	$-51.88M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$33.97M	$35.20M	$35.06M	$35.76M	$36.07M	$37.00M	$35.41M	$33.29M	$33.53M	$35.21M	$36.49M	$38.88M	$40.10M	$43.47M	$42.49M	$43.16M	$40.37M	$40.36M	$37.45M	$35.30M	$29.72M	$25.74M	$21.69M	—	—	—
Depreciation Expense (USD)	$2.26M	$2.28M	$2.14M	$2.06M	$1.98M	$1.96M	$1.80M	$1.63M	$1.42M	$1.29M	$1.08M	$1.38M	$1.41M	$1.32M	$1.34M	$1.57M	$1.17M	$1.47M	$498.00K	$1.12M	$1.17M	$895.00K	$284.00K	—	—	—
Net Income, GAAP (USD)	$-2.34M	$-7.12M	$-2.31M	$-8.79M	$-3.17M	$-1.31M	$-2.20M	$-2.76M	$-3.78M	$-7.20M	$-17.00M	$-11.30M	$-5.95M	$-3.40M	$-8.24M	$-7.99M	$-7.38M	$-21.89M	$-6.34M	$6.63M	$8.04M	$1.74M	$-6.94M	—	—	—
Operating Cash Flow (USD)	$118.00K	$2.20M	$4.17M	$5.87M	$4.80M	$7.40M	$3.69M	$9.32M	$3.47M	$-543.00K	$-5.11M	$-434.00K	$7.64M	$6.65M	$-929.00K	$15.94M	$11.22M	$-29.09M	—	$14.30M	$9.91M	$11.98M	—	—	—	—

Expensify, Inc.

Analytical Summary

26-Year Financial Trajectory

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