EXFY Expensify, Inc.
XNAS
6.95
Delayed
Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
EXFY
$6.95
—
What changed
Recent filings, trades and movesKey stats
$6.95
- 52-Week Range
- $0.69 – $2.81
- YTD
- +379.31%
- IV Rank (30D)
- 100.0
- Straddle Price
- $10.50
- P/C Vol Ratio
- 0.12
- Market Cap
- $0.2B
- Open
- $2.02
- Day Range
- $1.78 – $2.08
- Volume
- 1,168,982
- Prev Close
- $2.05
Fair Value
+50.0% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 4.90% |
| Beta vs SPY | 1.47 |
| Cost of Equity (CAPM) | 12.98% (VRP-adj) |
| WACC | 12.99% |
| Volatility Risk Premium | +126.6pp (IV − HV30), ERP adj +50bps |
| Effective Tax Rate | 21.0% |
| Rev. Growth (YoY, DCF input) | -5.0% |
| DCF Horizon | 10 years explicit + fade |
| Free Cash Flow (TTM) | $0.0B |
| Return on Equity (TTM) | -11.6% |
| Book / Price | 72.1% — banking bias active (P/B is primary) |
| Gross Margin (TTM) | 49.6% |
| FCF Margin (TTM) | 10.7% |
| Debt / Equity | 0.00 |
| Quality Score | 2/6 — normal (10y DCF) |
| Market-Implied Growth | -0.4% (reverse-DCF on current price) |
| SMA 50 | $2.36 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $2.43 |
| Bollinger Width / SMA20 | 21.5% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $0B |
Peers used for multiples: ADBE, CRM, CRWD, MSFT, NET, NOW, ORCL, PLTR, SHOP, SNOW
(SIC-code peers; ETF co-membership was sector-incoherent)
Blended Fair Value
$6.67
Deviation
+50.0%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $1.76 | 38% | |
| DDM (Gordon) | n/a | 0% | |
| Peer P/E | n/a | 0% | median 50.7× · 8 peers |
| Peer EV/EBITDA | n/a | 0% | median 34.0× · 9 peers |
| Peer P/B | $16.98 | 15% | median 11.5× · 10 peers |
| Peer P/S | $18.33 | 15% | median 12.3× · 10 peers |
| Market Anchor (SMA50) | $2.36 | 32% | stability 42% (BB-width) |
| Options Expected (B-L 30d) | n/a | 0% |
As of 2026-11-09 · updated
Related
About
- Industry (SIC)
- SERVICES-PREPACKAGED SOFTWARE (7372) · industry map
- Exchange
- XNAS
- Market Cap
- $0.2B
- Employees
- 117
- List Date
- 2021-11-10
- CIK
- 0001476840
- Last Earnings
- Nov 5 after close · −8.1% vs ±43.7% expected
- Next Earnings
- ~Feb 25, 2027 (estimated)
- Headquarters
- San Francisco, CA
- Homepage
- https://www.expensify.com
Expensify Inc is a cloud-based expense management software platform that helps various businesses simplify the way to manage money. It is used to scan and reimburse receipts from flights, hotels, coffee shops, office supplies and ride shares. People use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay and travel booking in one app. Small and medium-sized businesses (SMBs) are the cornerstone of the global economy, making up almost all businesses and the majority of employment in Organization for Economic Co-operation and De…
Summary
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composite
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No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | -- | -27.56% | 21.33% | -33.88% | 2.29% | 0.00% | -7.56% |
| Feb | -- | -28.94% | -20.19% | 23.81% | 6.16% | -34.48% | -10.73% |
| Mar | -- | -19.89% | -3.55% | -26.10% | -15.08% | -6.89% | -14.30% |
| Apr | -- | -17.69% | -7.55% | -4.76% | 0.34% | 17.03% | -2.53% |
| May | -- | 37.27% | -10.82% | -6.79% | -24.83% | 4.46% | -0.14% |
| Jun | -- | -11.32% | 20.54% | 0.00% | 18.26% | 52.99% | 16.09% |
| Jul | -- | 7.43% | 1.38% | 18.59% | -22.22% | 2.25% | 1.49% |
| Aug | -- | -10.47% | -33.07% | 36.47% | -1.01% | 36.22% | 5.63% |
| Sep | -- | -13.29% | -26.47% | -14.41% | -3.65% | -9.64% | -13.49% |
| Oct | -- | -14.16% | -18.10% | -1.05% | -7.39% | -0.84% | -8.31% |
| Nov | 9.94% | -27.06% | -13.06% | 74.33% | -3.73% | -19.21%* | 3.53% |
| Dec | 9.73% | -4.64% | -2.37% | -0.59% | 0.67% | -- | 0.56% |
| Total | 20.64% | -79.43% | -67.81% | 27.57% | -45.23% | 15.04% | -21.54% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $2.40
SMA 50: $2.35
SMA 200: $1.62
Current: $1.85
EMA 12: $2.25
EMA 26: $2.33
MACD: -0.0720 | Signal: -0.0651
BEARISH
ADX (14): 19.49
RANGE
+DI: 12.96
−DI: 34.93
Momentum Oscillators
RSI (14): 28.23
OVERSOLD
Stoch %K: 12.82
Stoch %D: 19.92
Williams %R: -92.09
Volume & Volatility
BB Upper: $2.76
BB Lower: $2.03
OVERSOLD
OBV: 28,880,609
Vol SMA 20: 438,717
Vol ROC: 67.99%
ATR: $0.16
True Range: $0.30
HV 20: 62.6%
HV 30: 63.9%
HV 60: 54.8%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-11-11T00:00:00 – 2026-11-09T00:00:00
AI Analysis
Written before EXFY’s Nov 5 earnings report, so it doesn’t reflect the results.
LLM Stock Analysis Report
Executive Summary
Overall Assessment: NEUTRAL with confidence level (6/10)
Key Drivers and Primary Risks:
- Bullish trend signals from MACD and EMA
- Volatility regime indicates high risk, but IV rank suggests medium volatility
- Recent news sentiment is neutral, but negative news articles may impact the stock
Investment Thesis: EXFY has a strong technical setup with bullish momentum indicators, but faces significant risk due to its high beta and recent negative news. Further analysis is needed to determine if this is a buying opportunity or a cautionary tale.
Recent News Sentiment Impact: The neutral sentiment from recent news headlines may not significantly impact the stock price in the short term, but the cumulative effect of multiple negative articles could contribute to downward pressure.
Technical Analysis
Trend Direction:
- Short-term (1-4 weeks): Bullish
- Medium-term (1-3 months): Neutral
- Long-term (3-12 months): Bearish
Support/Resistance Levels: The stock has resistance at $2.60 (upper Bollinger Band) and support at $1.49 (lower Bollinger Band).
Momentum Signals:
- RSI interpretation: 62.51 (neutral)
- MACD signal: Bullish
- Bollinger Bands position: Squeeze
Volume Analysis: Volume SMA 20 is decreasing, indicating a potential reversal.
News & Sentiment Analysis
Recent Headlines Summary: The last 10 news articles are mostly neutral, with some negative sentiment from law firms investigating the company.
Sentiment Assessment: The overall sentiment is NEUTRAL, but with a slight lean towards negativity due to the negative news headlines.
Catalyst Identification: There are no imminent catalysts, but upcoming earnings and product launches could impact the stock price.
Market Narrative: The technical signals suggest a bullish trend, while the recent negative news headlines may lead to caution among investors.
Generated
News
All EXFY news →
Legacy declines hit sales, but new platform growth lifted cash flow.
Earnings History
15 of 17 under expected move
Avg Expected Move
61.48%
Avg Actual Move
6.91%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2022-08-11 | Pre-Market | 17.20% | 3.23% | 0.19x | Within |
| 2022-11-10 | Pre-Market | 4.35% | 4.44% | 1.02x | Exceeded |
| 2023-05-09 | Pre-Market | 16.55% | 2.56% | 0.15x | Within |
| 2023-08-08 | Pre-Market | 25.60% | 1.72% | 0.07x | Within |
| 2023-11-08 | Pre-Market | 21.03% | 36.90% | 1.75x | Exceeded |
| 2024-02-22 | Pre-Market | 61.54% | 1.92% | 0.03x | Within |
| 2024-05-09 | Pre-Market | 24.02% | 0.56% | 0.02x | Within |
| 2024-08-08 | Pre-Market | 154.43% | 1.99% | 0.01x | Within |
| 2024-11-07 | Pre-Market | 265.62% | 3.13% | 0.01x | Within |
| 2025-02-27 | After-Close | 40.37% | 20.34% | 0.50x | Within |
| 2025-05-08 | After-Close | 23.69% | 22.22% | 0.94x | Within |
| 2025-08-07 | Pre-Market | 36.62% | 2.02% | 0.06x | Within |
| 2025-11-06 | Pre-Market | 60.19% | 3.09% | 0.05x | Within |
| 2026-02-26 | Pre-Market | 104.33% | 2.36% | 0.02x | Within |
| 2026-05-07 | Pre-Market | 112.50% | 0.91% | 0.01x | Within |
| 2026-08-06 | Pre-Market | 33.42% | 1.98% | 0.06x | Within |
| 2026-11-05 | After-Close | 43.72% | 8.07% | 0.18x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
EXFY Options Activity & IV Rank
EXFY IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 265.9%
7-DTE IV: 265.9%
Expected Move: $10.50
7-DTE Move: $6.02
Days to Exp: 39 (2026-12-18)
Options Flow · All expiries
Call Volume: 416
Put Volume: 50
P/C Volume: 0.12
BULLISH
Call OI: 2,313
Put OI: 59
P/C OI: 0.026
Total OI: 2,372
ATM Options Pricing
ATM Call: $5.00
ATM Put: $5.50
Call %: 71.9%
Put %: 79.1%
Chain Summary
Chain Volume: 466
Chain OI: 2,372
Last Updated: 11/9/2026
Spread Scanner
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Calendars: the long leg is valued at the short leg’s expiration (Black-Scholes at its current IV) across the range of prices the short leg’s IV implies, giving the best-case profit (R/R = that over the debit) and P(profit).
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Scanning bull put, bear call, iron condor and calendar spreads…
Dealer Positioning
TYPICAL γ
Estimated net dealer gamma is at the 42nd percentile of this name's own daily history, within its typical range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
42%
vs own history
GEX tilt
+0.95
OI-weighted, today
Vanna tilt
+1.00
δ-sensitivity to IV
Charm tilt
-1.00
δ-decay vs time
Vanna tilt +1.00: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -1.00: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.
? What is this?
· 4 ATM contracts, 1k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
—
—
pts
EXTREME
No data
30 DTE / 10d
—
—
pts
EXTREME
No data
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Loading the implied volatility surface…
Volatility Smile
Loading the implied volatility smile…
IV Rank (7 DTE)22.6LowNov 9
IV Rank (30 DTE)100.0HighNov 9
Straddle Price (30 DTE)$10.50Nov 9
Beta Analysis
Risk Metrics
Beta: 1.0464
Alpha: 48.69%
Correlation: 0.1761
R-Squared: 3.1%
Stock Volatility: 81.7%
Market Volatility: 13.8%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Above average volatility - stock moves with market amplification
Above average volatility - stock moves with market amplification
Beta & Alpha Over Time
Notable investors who own EXFY
4 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Renaissance Technologies Hedge fund Jim Simons | $1.3M | #2176 of 3138 | +3.0% | 13F | |
| Millennium Management Hedge fund Izzy Englander | $909K | #2946 of 3716 | new | 13F | |
| Citadel Hedge fund Ken Griffin | $311K | #5023 of 6285 | new | 13F | |
| Point72 Hedge fund Steve Cohen | $48K | #1879 of 1945 | new | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
EXFY Institutional Ownership (13F)
Filings for 2026-06-30 · 28 already for 2026-09-30
? 13F Guide
Diluted shares outstanding: 92,708,620 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
1 filers$36.67K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Simplex Trading, LLC Custodian | $36.67K | 100.00% | 2026-09-30 |
1 filers$225 notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Simplex Trading, LLC Custodian | $225 | 100.00% | 2026-09-30 |
EXFY Insider Trading (Form 4)
Latest: 2026-07-07Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-07-07 | Timothy L Christen | Director | Award (A) | +123,762 | — | EDGAR | |
| 2026-07-07 | Ying Liu | Director | Award (A) | +123,762 | — | EDGAR | |
| 2026-07-07 | Ying Liu | Director | Award (A) | +3,731 | — | EDGAR | |
| 2026-07-07 | Ellen Pao | Director | Award (A) | +123,762 | — | EDGAR | |
| 2026-06-26 | David Michael Barrett | Chief Executive Officer | Grant (A) | +2,094,974 opt | — | EDGAR | |
| 2026-06-25 | Ryan Schaffer | Chief Financial Officer | Grant (A) | +1,164,596 opt | — | EDGAR | |
| 2026-06-25 | Jason Fahr Mills | Director | Grant (A) | +1,160,447 opt | — | EDGAR | |
| 2026-06-25 | David Michael Barrett | Chief Executive Officer | Grant (A) | +2,094,974 opt | — | EDGAR | |
| 2026-06-25 | Daniel Vidal | Director | Grant (A) | +1,160,447 opt | — | EDGAR | |
| 2026-06-16 | Divo Carlos Eduardo Alvarez | Director | Sell (S) | −10,700 | $1.28 | -$13.7K | EDGAR |
| 2026-06-11 | Daniel Vidal | Director | Mixed Sell −7,668 · Grant +93,338 · Exer +2,826 |
+88,496 | $0.82 | $53.4K | EDGAR |
| 2026-06-11 | Jason Fahr Mills | Director | Mixed Grant +67,406 · Sell −8,556 · Exer +3,822 |
+62,672 | $0.81 | $27.3K | EDGAR |
| 2026-06-11 | Divo Carlos Eduardo Alvarez | Director | Mixed Sell −20,380 · Grant +109,492 · Exer +2,467 |
+91,579 | $0.81 | $32.5K | EDGAR |
| 2026-06-11 | Ryan Schaffer | Chief Financial Officer | Mixed Sell −6,033 · Grant +36,846 · Exer +3,922 |
+34,735 | $0.82 | $18.3K | EDGAR |
| 2026-06-11 | David Michael Barrett | Chief Executive Officer | Sell (S) | −30,000 | $0.85 | -$25.5K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
EXFY Insider Holdings
10 insiders · @ $1.85
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | SF Roofdeck GP LLC | 10%+ Owner | 10,439,949 | $19.31M | $3.66M | 3 | 2026-03-18 |
| 2 | David Michael Barrett | Chief Executive Officer | 1,459,738 | $2.70M | -$16.38M | 95 | 2026-06-26 |
| 3 | Jason Fahr Mills | Director | 551,420 | $1.02M | -$198.5K | 32 | 2026-06-25 |
| 4 | Daniel Vidal | Director | 462,213 | $855.1K | -$481.6K | 45 | 2026-06-25 |
| 5 | Timothy L Christen | Director | 413,516 | $765.0K | $122.7K | 23 | 2026-07-07 |
| 6 | Ellen Pao | Director | 292,770 | $541.6K | $0 | 14 | 2026-07-07 |
| 7 | Ryan Schaffer | Chief Financial Officer | 240,782 | $445.4K | -$3.84M | 45 | 2026-06-25 |
| 8 | Divo Carlos Eduardo Alvarez | Director | 234,080 | $433.0K | -$54.8K | 4 | 2026-06-16 |
| 9 | Ying Liu | Director | 183,200 | $338.9K | -$49.5K | 27 | 2026-07-07 |
| 10 | Anuradha Muralidharan | Chief Operating Officer | 80,938 | $149.7K | -$1.08M | 40 | 2026-01-05 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
EXFY Board & Officers
As of SEC filings through Jul 7, 2026Directors 8
- David Michael Barrett · since Nov 9, 2021
- Ryan Schaffer · since Nov 9, 2021
- Timothy L Christen · since Nov 9, 2021
- Daniel Vidal · since Nov 15, 2021
- Ellen Pao · since Nov 15, 2021
- Jason Fahr Mills · since Nov 15, 2021
- Ying Liu · since Nov 15, 2021
- Divo Carlos Eduardo Alvarez · since Dec 29, 2025
Officers 2
- David Michael Barrett · Chief Executive Officer · since Nov 9, 2021
- Ryan Schaffer · Chief Financial Officer · since Nov 9, 2021
10% owners 4
- Exp 2020 Spv LP (entity) · since Aug 3, 2023
- SF Roofdeck GP LLC (entity) · since Aug 3, 2023
- Steven J. McLaughlin · since Aug 3, 2023
- Steven J. McLaughlin Revocable Trust (entity) · since Aug 3, 2023
Changes in the last 10 years (45)
| Jan 5, 2026 | Anuradha Muralidharan reported in an SEC filing no longer being a director |
| Jan 5, 2026 | Anuradha Muralidharan reported in an SEC filing no longer being Chief Operating Officer |
| Dec 29, 2025 | Divo Carlos Eduardo Alvarez became a director |
| Aug 3, 2023 | Steven J. McLaughlin became a 10% owner |
| Aug 3, 2023 | Steven J. McLaughlin Revocable Trust became a 10% owner |
| Aug 3, 2023 | SF Roofdeck GP LLC became a 10% owner |
| Aug 3, 2023 | OpenView Venture Partners IV, L.P. reported in an SEC filing no longer being a 10% owner |
| Aug 3, 2023 | OpenView Management, LLC reported in an SEC filing no longer being a 10% owner |
| Aug 3, 2023 | OpenView General Partner IV, L.P. reported in an SEC filing no longer being a 10% owner |
| Aug 3, 2023 | OpenView Affiliates Fund IV, L.P. reported in an SEC filing no longer being a 10% owner |
| Aug 3, 2023 | Exp 2020 Spv LP became a 10% owner |
| Jul 26, 2022 | Unameit Trust under Declaration of Trust dated March 10, 2000 reported in an SEC filing no longer being a 10% owner |
| Jul 26, 2022 | James G B DeMartini III reported in an SEC filing no longer being a 10% owner |
| Jul 26, 2022 | Hillsven LLC reported in an SEC filing no longer being a 10% owner |
| Jul 26, 2022 | FBHR Associates LLC reported in an SEC filing no longer being a 10% owner |
| Jun 6, 2022 | David Martirano reported in an SEC filing no longer being a 10% owner |
| Dec 16, 2021 | Anuradha Muralidharan first listed as a director in an SEC filing |
| Nov 15, 2021 | Ying Liu became a director |
| Nov 15, 2021 | Jason Fahr Mills became a director |
| Nov 15, 2021 | Ellen Pao became a director |
| Nov 15, 2021 | Daniel Vidal became a director |
| Nov 15, 2021 | Blake Charles Bartlett left the board, per their own SEC filing |
| Nov 10, 2021 | Witold Stankiewicz reported in an SEC filing no longer being a 10% owner |
| Nov 10, 2021 | Octopus Head, Inc reported in an SEC filing no longer being a 10% owner |
| Nov 10, 2021 | 415 Foundation reported in an SEC filing no longer being a 10% owner |
| Nov 9, 2021 | Witold Stankiewicz became a 10% owner |
| Nov 9, 2021 | Unameit Trust under Declaration of Trust dated March 10, 2000 became a 10% owner |
| Nov 9, 2021 | Timothy L Christen became a director |
| Nov 9, 2021 | Ryan Schaffer became a director |
| Nov 9, 2021 | Ryan Schaffer became Chief Financial Officer |
| Nov 9, 2021 | Robert David Lent became a director |
| Nov 9, 2021 | OpenView Venture Partners IV, L.P. became a 10% owner |
| Nov 9, 2021 | OpenView Management, LLC became a 10% owner |
| Nov 9, 2021 | OpenView General Partner IV, L.P. became a 10% owner |
| Nov 9, 2021 | OpenView Affiliates Fund IV, L.P. became a 10% owner |
| Nov 9, 2021 | Octopus Head, Inc became a 10% owner |
| Nov 9, 2021 | James G B DeMartini III became a 10% owner |
| Nov 9, 2021 | Hillsven LLC became a 10% owner |
| Nov 9, 2021 | FBHR Associates LLC became a 10% owner |
| Nov 9, 2021 | David Michael Barrett became a director |
| Nov 9, 2021 | David Michael Barrett became Chief Executive Officer |
| Nov 9, 2021 | David Martirano became a 10% owner |
| Nov 9, 2021 | Blake Charles Bartlett became a director |
| Nov 9, 2021 | Anuradha Muralidharan became Chief Operating Officer |
| Nov 9, 2021 | 415 Foundation became a 10% owner |
Not reported recently (1)
- Robert David Lent · Last reported as a director in an SEC filing dated Nov 9, 2021
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
EXFY Proposed Insider Sales (Form 144)
Latest: 2026-09-18
? Form 144 Guide
Last 30d:
0 filings
· Last 90d:
5 filings
· $68K notice value
· 5 unique filers
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
Top 90-day filers:
Carlos Alvarez (1, $23K) · Jason Mills (1, $16K) · Daniel Vidal (1, $15K) · Ryan Schaffer (1, $8K) · David Barrett (1, $6K)
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-09-18 | Carlos Alvarez | Director | 9,982 | $23.5K | 2026-09-17 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-09-18 | David Barrett | Director, Officer | 2,601 | $6.1K | 2026-09-17 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-09-18 | Daniel Vidal | Director | 6,223 | $14.6K | 2026-09-17 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-09-18 | Jason Mills | Director | 6,865 | $16.1K | 2026-09-17 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-09-18 | Ryan Schaffer | Director, Officer | 3,291 | $7.7K | 2026-09-17 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-06-15 | CARLOS ALVAREZ | Director | 10,700 | $13.5K | 2026-06-15 | Morgan Stanley Smith Barney LLC … | 10b5-1 | EDGAR |
| 2026-06-12 | Carlos Alvarez Divo | Director | 18,773 | $24.4K | 2026-06-15 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-06-12 | David Barrett | Director, Officer | 19,123 | $24.9K | 2026-06-15 | Raymod James & Associates Inc | — | EDGAR |
| 2026-06-12 | Daniel Vidal | Director | 9,809 | $12.8K | 2026-06-15 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
| 2026-06-12 | Jason Mills | Director | 11,050 | $14.4K | 2026-06-15 | Morgan Stanley Smith Barney LLC … | — | EDGAR |
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
Recent SEC Filings
Latest: 2026-11-05
Current reports — material events the company must disclose within 4 business days (earnings releases, M&A, executive changes, etc.).
Annual report — audited financial statements, MD&A, risk factors. Filed 60–90 days after fiscal year-end.
| Filing Date | Accession | Link |
|---|
ETF Holders
14 ETFs hold EXFY
14 shown · $10.37M total exposure · 0.00% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $3.7M | — | 2026-09-30 |
| 2 | VGT Vanguard Information Technology ETF | Vanguard | 0.00% | $3.3M | — | 2026-09-30 |
| 3 | VXF Vanguard Extended Market ETF | Vanguard | 0.00% | $1.4M | — | 2026-09-30 |
| 4 | SCHA Schwab U.S. Small-Cap ETF | Nport | 0.00% | $651,118 | — | 2026-08-31 |
| 5 | IWC iShares Micro-Cap ETF | iShares (BlackRock) | 0.03% | $410,551 | $1.2B | 2026-11-06 |
| 6 | SCHB Schwab U.S. Broad Market ETF | Nport | 0.00% | $290,435 | — | 2026-08-31 |
| 7 | EES WisdomTree U.S. SmallCap Fund | Nport | 0.03% | $190,361 | — | 2026-06-30 |
| 8 | AVSC Avantis U.S. Small Cap Equity ETF | Avantis | 0.00% | $128,417 | $3.2B | 2026-11-05 |
| 9 | DFSV Dimensional US Small Cap Value ETF | Dimensional | 0.00% | $50,594 | — | 2026-11-05 |
| 10 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.00% | $45,878 | — | 2026-11-05 |
| 11 | DFAU Dimensional US Core Equity Market ETF | Dimensional | 0.00% | $41,913 | $12.6B | 2026-11-05 |
| 12 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.00% | $21,444 | — | 2026-11-05 |
| 13 | DFSU Dimensional US Sustainability Core 1 ETF | Dimensional | 0.00% | $16,968 | $2.3B | 2026-11-05 |
| 14 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.00% | $9,897 | — | 2026-11-05 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
—
TTM Diluted EPS
$-0.23
TTM Revenue
$140.00M
TTM Net Income
$-20.56M
TTM Op. Cash Flow
$15.40M
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q1 '26 | 2026-03-31 | $33.97M | $-2.34M | $-0.02 | $118.00K |
| Q4 '25 | 2025-12-31 | $35.20M | $-7.12M | $-0.08 | $2.20M |
| Q3 '25 | 2025-09-30 | $35.06M | $-2.31M | $-0.03 | $4.17M |
| Q2 '25 | 2025-06-30 | $35.76M | $-8.79M | $-0.10 | $8.92M |
| Q1 '25 | 2025-03-31 | $36.07M | $-3.17M | $-0.03 | $7.86M |
| Q4 '24 | 2024-12-31 | $37.00M | $-1.31M | $-0.02 | $7.40M |
| Q3 '24 | 2024-09-30 | $35.41M | $-2.20M | $-0.02 | $3.69M |
| Q2 '24 | 2024-06-30 | $33.29M | $-2.76M | $-0.03 | $9.32M |
| Q1 '24 | 2024-03-31 | $33.53M | $-3.78M | $-0.04 | $3.47M |
| Q4 '23 | 2023-12-31 | $35.21M | $-7.20M | $-0.08 | $-543.00K |
| Q3 '23 | 2023-09-30 | $36.49M | $-17.00M | $-0.21 | $-5.11M |
| Q2 '23 | 2023-06-30 | $38.88M | $-11.30M | $-0.14 | $-434.00K |
Q1 2026 • period ending 2026-03-31 • filed 2026-05-07
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
—
P/B
1.24
P/S
1.23
EV/EBITDA
—
EV/Sales
0.75
ROE
-14.8%
ROA
-10.8%
Div Yield
0.00%
FCF Yield
8.98%
Debt/Equity
0.00
Current Ratio
—
Market Cap
$171.51M
as of 2026-11-09
EXFY vs Peers
Related companies, largest first| Company | Market cap | P/E | Revenue growth | YTD | IV rank |
|---|---|---|---|---|---|
| AAPL Apple Inc. | $4.98T | 39.1 | +15.1% | +29.4% | 10 |
| NVDA Nvidia Corp | $4.51T | 22.6 | +83.4% | −5.4% | 85 |
| MSFT Microsoft Corp | $3.94T | 28.5 | +17.9% | +15.3% | 10 |
| AVGO Broadcom Inc. Common Stock | $1.40T | 40.8 | +48.7% | −8.1% | 80 |
| MU Micron Technology, Inc. | $780.7B | 9.9 | +256.3% | +132.4% | 41 |
| AMD Advanced Micro Devices | $736.5B | 110.6 | +41.9% | +127.6% | 41 |
| CSCO Cisco Systems, Inc. Common Stock (DE) | $370.0B | 29.5 | +11.8% | +29.7% | 78 |
| INTC Intel Corp | $299.1B | — | +12.1% | +50.8% | 25 |
| EXFY Expensify, Inc. Class A Common Stock | $189M | — | −1.3% | +27.6% | 100 |
| Peer median | $1.09T | 29.5 | +29.9% | +29.6% | 41 |
P/E uses the latest reported trailing-12-month diluted EPS; "—" means no positive earnings or no data.
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
1.01M
SI % of Float
1.64%
Days to Cover
2.62
Short Vol Ratio
11.2%
Free Float
61.89M
Float %
78.4%
Short interest 2026-10-15 • Short volume 2026-11-09 • Float 2026-08-14