EXFY

Expensify, Inc.
NasdaqGSUSDEQUITY Technology DELAYED
Last price
2.23
▼ 0.12 (5.11%)
MARKET · —

Price

1D — H — L — Range — Vol —
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
2.36
Prev close
2.35
Day high
2.39
Day low
2.21
Volume
298.15K
Market cap
$203.35M
P/E (TTM)
—
52W range
0.69 – 2.81

Day trading desk

Current session · delayed
Gap from prior close
+0.43%
Prior close 2.35
VWAP
2.28
-2.28% from price
Relative volume
0.42×
Quiet session
Session range
8.02%
2.21 – 2.39
Position in range
10%
Near session low
ATR (14D)
0.12
5.28% of price
Prior day high
2.38
PDH
Prior day low
2.23
PDL
Bid / ask spread
—
Quote not published
Session volume
367.19K
Avg 883.79K

VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
-0.45% -2.4%
1M
-6.30% -7.5%
3M
+18.62% +14.1%
6M
+169.00% +150.8%
YTD
+47.68% +33.4%
1Y
+23.89% +7.5%
3Y
-31.38% -113.6%
5Y
— —

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Free account

5 more panels on EXFY open with an account.

Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.

Insider net activity

6m · Form 4 rollup
Net shares
+525.02K
Net buying
Buy transactions
15
721.89K shares
Sell transactions
11
196.87K shares
Net transactions
+26
Buys less sells
Sell : buy shares
0.3 : 1
Mixed
Insider-held shares
23.34M
Total on file
Bought 721.89KSold 196.87K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Jul 2, 26
LIU YING
Director
STOCK 3.73K $0 Direct
Jun 15, 26
ALVAREZ DIVO CARLOS EDUARDO
Director
SELL 10.70K $13.70K Direct
Jun 1, 26
BARRETT DAVID MICHAEL
Chief Executive Officer
SELL 30.00K $34.50K Indirect
May 22, 26
CHRISTEN TIMOTHY L
Director
STOCK 123.76K $0 Direct
May 22, 26
LIU YING
Director
STOCK 123.76K $0 Direct
May 22, 26
PAO ELLEN
Director
STOCK 123.76K $0 Direct
May 15, 26
ALVAREZ DIVO CARLOS EDUARDO
Director
SELL 10.00K $11.30K Direct
May 1, 26
BARRETT DAVID MICHAEL
Chief Executive Officer
SELL 30.00K $32.40K Indirect
Apr 28, 26
ALVAREZ DIVO CARLOS EDUARDO
Director
SELL 30.73K $31.04K Direct
Apr 2, 26
LIU YING
Director
STOCK 5.38K $0 Direct
Apr 1, 26
BARRETT DAVID MICHAEL
Chief Executive Officer
SELL 30.00K $25.50K Indirect
Mar 30, 26
ALVAREZ DIVO CARLOS EDUARDO
Director
SELL 20.38K $16.25K Direct
Mar 24, 26
SCHAFFER RYAN
Chief Financial Officer
SELL 6.03K $4.80K Direct
Mar 24, 26
BARRETT DAVID MICHAEL
Chief Executive Officer
SELL 12.81K $10.54K Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

10 reporting
NameRelationShares heldLatest
ALVAREZ DIVO CARLOS EDUARDO
Director 234.08K Sale
BARRETT DAVID MICHAEL
Chief Executive Officer — Sale
CHRISTEN TIMOTHY L
Director 413.52K Stock Award(Grant)
LIU YING
Director 183.20K Stock Award(Grant)
MCLAUGHLIN STEVEN J
Beneficial Owner of more than 10% of a Class of Security — Purchase
MILLS JASON FAHR
Director 549.63K Sale
MURALIDHARAN ANURADHA
Chief Operating Officer 77.77K Sale
PAO ELLEN
Director 292.77K Stock Award(Grant)
SCHAFFER RYAN
Chief Financial Officer 238.67K Sale
VIDAL DANIEL
Director 454.55K Sale

Fundamentals

TTM · reported
Market cap$203.35M
Enterprise value$142.96M
Revenue (TTM)$138.10M
Gross profit$67.21M
EBITDA$-13.07M
Net income$-15.62M
EPS (TTM)$-0.17
Free cash flow$20.03M
Total cash$65.76M
Total debt$5.38M
Book value / share$1.46
Shares outstanding78.94M
Float54.59M
Short % of float1.80%
Dividend yield0.00%
Beta (5Y)1.74

Valuation & profitability ratios

Account required
Trailing P/E—
Forward P/E22.30
PEG ratio—
Price / sales—
Price / book1.52
EV / revenue1.04
EV / EBITDA-10.94
Gross margin48.67%
Operating margin-8.63%
Profit margin-11.31%
Return on equity-11.73%
Return on assets-4.66%
Debt / equity4.00
Current ratio3.50
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

As reported · 5 years · 6 quarters
Blank means not reported, not zero
Line item20252024202320222021YoY
Total revenue $142.10M$139.24M$150.69M$169.50M— +2.1%
Operating revenue $142.10M$139.24M$150.69M$169.50M— +2.1%
Cost of revenue $70.57M$64.24M$66.89M$62.67M— +9.9%
Gross profit $71.53M$75.00M$83.80M$106.83M— -4.6%
Research & development $20.68M$24.64M$23.37M$13.69M— -16.1%
Selling, general & admin $68.86M$51.18M$93.58M$108.37M— +34.6%
Total operating expense $89.55M$75.82M$116.95M$122.06M— +18.1%
Operating income -$18.02M-$820.00K-$33.15M-$15.23M— -2,097.4%
Net interest income —-$1.57M-$5.33M-$5.41M-$3.48M —
Pre-tax income -$16.29M-$2.39M-$38.48M-$20.64M— -581.1%
Tax provision $5.10M$7.66M$2.98M$6.37M— -33.5%
Net income -$21.39M-$10.05M-$41.46M-$27.01M— -112.7%
Net income to common -$21.39M-$10.05M-$41.46M-$27.01M— -112.7%
Basic EPS -0.23-0.12-0.51-0.33— -91.7%
Diluted EPS -0.23-0.12-0.51-0.33— -91.7%
EBIT -$18.02M-$820.00K-$33.15M-$15.23M— -2,097.4%
EBITDA -$9.56M$5.99M-$27.98M-$9.84M— -259.5%
Basic shares 92.28M87.38M82.49M80.79M— +5.6%
Diluted shares 92.28M87.38M82.49M80.79M— +5.6%

Options analytics

Account required
Put / call volume
1.20
Put-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
0.50
-77.6% from spot
ATM implied vol
0.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
15
Contracts, this expiry
Put volume
18
Contracts, this expiry
Heaviest call OI
0.50
0 contracts
Heaviest put OI
1.50
0 contracts

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Earnings

History & consensus estimates
Reported vs expected · EPS
QuarterEst.ActualSurprise
Jun 2026 0.020.04 +76.0%
Mar 2026 0.020.04 +94.0%
Dec 2025 0.04-0.02 -157.1%
Sep 2025 0.050.05 -13.5%
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter 0.02 3 $33.86M -3.4%
Next quarter 0.02 3 $34.17M -2.9%
Current year 0.12 3 $135.88M -4.4%
Next year 0.10 3 $136.08M +0.2%

Analyst targets & ownership

Account required
Mean target$2.83
High target$3.00
Low target$2.50
Implied upside27.06%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 0
Hold2
Sell / Strong sell0 / 0
Held by insiders25.59%
Held by institutions32.72%
Institutions holding124
Free account required

Price targets, consensus spread, insider and institutional ownership.

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
2.27
-1.59% from price
SMA 20
2.27
-1.91% from price
SMA 50
2.29
-2.70% from price
SMA 100
1.88
+18.57% from price
SMA 200
1.51
+47.47% from price
EMA 12
2.28
-2.22% from price
EMA 26
2.29
-2.56% from price
EMA 50
2.20
+1.19% from price
RSI (14)
47.0
Neutral
MACD (12,26,9)
-0.01
Hist -0.00
ATR (14)
0.12
5.28% of price
Realised vol 30D
47.2%
Annualised
Bollinger upper
2.40
20, 2σ
Bollinger lower
2.15
20, 2σ
50 / 200 cross
Golden
2.29 vs 1.51
Trend bias
Above 200
+47.47%

Options chain

Account required
Expiry
Spot 2.23
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

Risk profile

Daily returns · 1Y window
Beta vs SPY
1.20
More volatile than market
Correlation to SPY
0.19
Largely independent
Realised vol 30D
47.2%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-58.3%
Peak to trough
Max drawdown 5Y
-98.5%
Peak to trough
ATR 14
0.12
5.28% of price
Beta (reported)
1.74
5Y monthly, from filing

Short interest

Semi-monthly exchange report · lags by ~2 weeks
Shares short
1.19M
Prior 787.35K
Change vs prior
+50.5%
Shorts adding
% of float
1.80%
Normal
% of shares out
1.30%
Against total outstanding
Days to cover
1.8
Liquid
Float
54.59M
Freely tradeable shares

Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.

Rating changes

49 on file
DateFirm ActionFromTo
Aug 7, 26 Citizens UPGRADE Market Perform Market Outperform
May 9, 25 Lake Street MAINTAINED Buy Buy
Feb 28, 25 Lake Street MAINTAINED Buy Buy
Dec 16, 24 Citigroup MAINTAINED Buy Buy
Nov 25, 24 JMP Securities DOWNGRADE Market Outperform Market Perform
Aug 9, 24 JMP Securities UPGRADE Market Perform Market Outperform
Jun 14, 24 JMP Securities MAINTAINED — Market Perform
Apr 23, 24 Citigroup MAINTAINED Buy Buy
Feb 23, 24 Piper Sandler MAINTAINED Neutral Neutral
Jan 2, 24 Piper Sandler MAINTAINED Neutral Neutral
Nov 8, 23 Morgan Stanley MAINTAINED Underweight Underweight
Nov 8, 23 Piper Sandler MAINTAINED Neutral Neutral

Dividends & splits

Declared · from the issuer
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.