Expensify, INC. (EXFY) — SEC Filings

Q: What are the key financial highlights for Expensify, INC.?

Key financial highlights for Expensify, INC. are extracted from the most recent 10-K or 10-Q filings, including revenue, net income, EPS, debt-to-equity, cash position, and operating margin.

Q: Who are the key executives at Expensify, INC.?

Key executives at Expensify, INC. are identified from SEC filings including 10-K annual reports, proxy statements, and insider trade forms.

Q: What are the main risk factors for Expensify, INC. stock?

Risk factors for Expensify, INC. (EXFY) are assessed from SEC filings using AI analysis. Each filing is categorized as high, medium, or low risk based on disclosed risk factors and financial indicators.

Q: What are recent predictions and forward guidance from Expensify, INC.?

Forward-looking statements and predictions from Expensify, INC. are extracted from SEC filings including earnings reports, annual reports, and current event filings.

Latest SEC filings for Expensify, INC.. Recent 8-K filing on Dec 30, 2025. AI-decoded analysis of earnings, risk factors, and insider trades.

View Expensify, INC. on SEC EDGAR

Overview

Expensify, INC. (EXFY) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 6, 2025: Expensify, Inc. (EXFY) reported a net loss of $2.315 million for the three months ended September 30, 2025, a slight increase from the $2.198 million net loss in the same period of 2024. Revenue for the quarter decreased marginally to $35.065 million from $35.409 million year-over-year. For the nine

Sentiment Summary

Across 28 filings, the sentiment breakdown is: 2 bearish, 26 neutral. The dominant filing sentiment for Expensify, INC. is neutral.

Filing Type Overview

Expensify, INC. (EXFY) has filed 11 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 6 SC 13G/A, 1 SC 13G with the SEC between Jan 2024 to Dec 2025.

Filings by Year

2025 · 2024

Recent Filings (28)

8-K Filing — 8-K · Dec 30, 2025
Expensify's Q3 Loss Widens Amid Soaring Sales & Marketing Spend — 10-Q · Nov 6, 2025 Risk: high
Expensify, Inc. (EXFY) reported a net loss of $2.315 million for the three months ended September 30, 2025, a slight increase from the $2.198 million net loss i
Expensify Files 8-K on Material Agreement & Obligation — 8-K · Oct 15, 2025 Risk: medium
Expensify, Inc. filed an 8-K on October 15, 2025, reporting on events that occurred on October 9, 2025. The filing indicates the company entered into a material
Expensify Revenue Dips 19%, Narrows Net Loss to $1.5M — 10-Q · Aug 7, 2025 Risk: medium
Expensify, Inc. (EXFY) reported a significant decline in revenue for the three months ended June 30, 2025, falling to $35.1 million from $43.2 million in the pr
Expensify Terminates Material Definitive Agreement — 8-K · Jul 8, 2025 Risk: medium
On July 1, 2025, Expensify, Inc. reported the termination of a material definitive agreement. The filing does not specify the other party involved in the agreem
Expensify Files 8-K on Shareholder Vote Matters — 8-K · Jun 16, 2025 Risk: low
Expensify, Inc. filed an 8-K on June 16, 2025, reporting on matters submitted to a vote of security holders as of June 13, 2025. The filing details the company'
Expensify Q1 2025 10-Q Filed — 10-Q · May 8, 2025 Risk: low
Expensify, Inc. filed its 10-Q for the period ending March 31, 2025. The filing details financial information for the first quarter of 2025, including balance s
Expensify DEF 14A: Executive Compensation Details — DEF 14A · Apr 25, 2025 Risk: low
Expensify, Inc. filed its DEF 14A on April 25, 2025, detailing executive compensation for the fiscal year ending December 31, 2024. The filing includes informat
Expensify Changes Auditors to BDO USA, LLP — 8-K · Mar 10, 2025 Risk: medium
Expensify, Inc. announced on March 5, 2025, a change in its certifying accountant. The company has dismissed PricewaterhouseCoopers LLP as its independent regis
Expensify Files 2024 Annual Report — 10-K · Feb 27, 2025 Risk: medium
Expensify, Inc. filed its 10-K for the fiscal year ending December 31, 2024. The filing details the company's financial performance and business operations. Key
SC 13G/A Filing — SC 13G/A · Nov 20, 2024
Expensify Files Q3 2024 10-Q — 10-Q · Nov 8, 2024 Risk: low
Expensify, Inc. filed its 10-Q for the period ending September 30, 2024. The filing details financial performance and operational updates for the third quarter.
Expensify Files 8-K on Financials — 8-K · Nov 7, 2024 Risk: low
Expensify, Inc. filed an 8-K on November 7, 2024, reporting on its results of operations and financial condition. The filing also included Regulation FD disclos
Expensify Terminates Material Definitive Agreement — 8-K · Sep 3, 2024 Risk: medium
Expensify, Inc. filed an 8-K on August 28, 2024, to report the termination of a material definitive agreement. The filing also includes other events and financi
Expensify, Inc. Files Q2 2024 10-Q — 10-Q · Aug 9, 2024 Risk: medium
Expensify, Inc. filed its 10-Q for the period ending June 30, 2024. The filing details financial performance and operational updates for the second quarter. Key
Expensify Files 8-K on Financials — 8-K · Aug 8, 2024 Risk: low
Expensify, Inc. filed an 8-K on August 8, 2024, reporting on its results of operations and financial condition. The filing also includes Regulation FD disclosur
SC 13G/A Filing — SC 13G/A · Jul 8, 2024
Expensify Files 8-K on Shareholder Votes and Financials — 8-K · Jun 20, 2024 Risk: low
On June 14, 2024, Expensify, Inc. filed a Form 8-K to report on the submission of matters to a vote of security holders and to provide financial statements and
Expensify, Inc. Files 10-Q for Period Ending March 31, 2024 — 10-Q · May 9, 2024 Risk: low
Expensify, Inc. (EXFY) filed a Quarterly Report (10-Q) with the SEC on May 9, 2024. Expensify, Inc. filed a 10-Q report for the period ending March 31, 2024. Th
Expensify, Inc. Announces 2024 Annual Meeting of Stockholders — DEF 14A · Apr 26, 2024 Risk: low
Expensify, Inc. (EXFY) filed a Proxy Statement (DEF 14A) with the SEC on April 26, 2024. Expensify, Inc. will hold its 2024 Annual Meeting of Stockholders on Ju
Expensify, Inc. Files 2023 Annual Report on Form 10-K — 10-K · Feb 27, 2024 Risk: medium
Expensify, Inc. (EXFY) filed a Annual Report (10-K) with the SEC on February 27, 2024. Expensify, Inc. filed its 2023 Form 10-K on February 27, 2024. The filing
Expensify Reports Material Agreement, Financial Changes — 8-K · Feb 22, 2024 Risk: medium
Expensify, Inc. filed an 8-K on February 22, 2024, reporting an event that occurred on February 21, 2024. The filing indicates the company entered into a materi
SC 13G/A Filing — SC 13G/A · Feb 14, 2024
SC 13G/A Filing — SC 13G/A · Feb 14, 2024
SC 13G/A Filing — SC 13G/A · Feb 14, 2024
Expensify Files 8-K for Bylaw/Charter Amendments, Fiscal Year Change — 8-K · Feb 14, 2024 Risk: low
Expensify, Inc. filed an 8-K on February 14, 2024, reporting an event that occurred on February 13, 2024. The filing indicates that the company made amendments
SC 13G/A Filing — SC 13G/A · Feb 13, 2024
BlackRock Discloses Significant Stake in Expensify (EXFY) — SC 13G · Jan 29, 2024
BlackRock Inc., a major investment firm, filed an SC 13G on January 29, 2024, disclosing its ownership in Expensify, Inc. (CUSIP 30219Q106). This filing indicat

Risk Profile

Risk Assessment: Of EXFY's 20 recent filings, 1 were flagged as high-risk, 9 as medium-risk, and 10 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.

Financial Highlights

Key financial metrics from Expensify, INC.'s most recent 10-Q filing (Nov 6, 2025):

Revenue: $106.903M
Net Income: -$14.272M
EPS: N/A
Debt-to-Equity: 0.38
Cash Position: $61.453M
Operating Margin: -13.2%
Total Assets: $186.835M
Total Debt: $19.406M

Industry Context

Expensify operates in the expense management and corporate spend software market, a competitive space with established players and emerging fintech solutions. The industry is characterized by a push towards automation, integration with accounting systems, and providing comprehensive spend management platforms. Trends include increased adoption of AI for policy enforcement and data analysis, and a focus on user experience for employees submitting expenses.

Top Tags

10-Q (4) · financials (4) · corporate-governance (3) · quarterly-report (3) · financial-reporting (3) · Expensify (3) · Expense Management (2) · SaaS (2) · Financial Technology (2) · material-agreement (2)

Key Numbers

Net Loss (9 months): $14.272M — Widened from $8.743M in 2024, indicating increased unprofitability.
Sales and Marketing Expense (9 months): $22.824M — Increased significantly from $9.730M in 2024, showing aggressive spending.
Revenue (9 months): $106.903M — Increased from $102.232M in 2024, but not enough to offset rising costs.
Cash and Cash Equivalents: $61.453M — Increased from $48.772M at Dec 31, 2024, supported by operating activities.
Common Stock Repurchases (9 months): $6.057M — Used for share repurchases, impacting cash flow from financing activities.
Q2 2025 Revenue: $35.1M — Decreased by 18.75% from Q2 2024
Q2 2024 Revenue: $43.2M — Baseline for revenue comparison
Q2 2025 Net Loss: $1.5M — Significantly improved from Q2 2024
Q2 2024 Net Loss: $10.2M — Baseline for net loss comparison
H1 2025 Revenue: $71.2M — Decreased by 17.31% from H1 2024
H1 2024 Revenue: $86.1M — Baseline for year-to-date revenue comparison
Q2 Revenue Decrease: 18.75% — Percentage decline in quarterly revenue
H1 Revenue Decrease: 17.31% — Percentage decline in year-to-date revenue
Reporting Period End Date: 2025-03-31 — Marks the end of the financial quarter being reported.
Filing Date: 2025-05-08 — Date the 10-Q was officially submitted to the SEC.

Related Companies

SaaS · FINTECH

Frequently Asked Questions

What are the latest SEC filings for Expensify, INC. (EXFY)?

Expensify, INC. has 28 recent SEC filings from Jan 2024 to Dec 2025, including 11 8-K, 6 10-Q, 6 SC 13G/A. Each filing includes an AI-generated plain-English summary.

What is the overall sentiment of EXFY filings?

Across 28 filings, the sentiment breakdown is: 2 bearish, 26 neutral. The dominant sentiment is neutral.

Where can I find Expensify, INC. SEC filings explained simply?

ReadTheFiling provides AI-powered plain-English summaries of all Expensify, INC. (EXFY) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.

What are the key financial highlights for Expensify, INC.?

Key financial highlights from Expensify, INC.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.

What is the investment thesis for EXFY?

The investment thesis for EXFY includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.

Who are the key executives at Expensify, INC.?

Executive information for Expensify, INC. is extracted from SEC filings as they are enriched with AI analysis.

What are the main risk factors for Expensify, INC. stock?

Of EXFY's 20 assessed filings, 1 were flagged high-risk, 9 medium-risk, and 10 low-risk.

What are recent predictions and forward guidance from Expensify, INC.?

Forward guidance and predictions for Expensify, INC. are extracted from SEC filings as they are enriched.