Expensify 향후 성장
Future 기준 점검 3/6
Expensify 의 수익은 연간 1.1% 감소할 것으로 예상되는 반면, 연간 수익은 93.5% 로 증가할 것으로 예상됩니다. EPS는 연간 36.7% 만큼 쇠퇴할 것으로 예상됩니다.
핵심 정보
93.5%
이익 성장률
-36.75%
EPS 성장률
| Software 이익 성장 | 20.4% |
| 매출 성장률 | -1.1% |
| 향후 자기자본이익률 | n/a |
| 애널리스트 커버리지 | Low |
| 마지막 업데이트 | 07 Aug 2026 |
최근 향후 성장 업데이트
Recent updates
내러티브 업데이트 • Sep 06
EXFY: Reverse Split And New Recurring Revenue Will Shape Balanced Outlook
Analysts have lifted their average price target on Expensify to about $2.50 from roughly $1.00, citing a stronger Q2 report and the first disclosure of over $10m in new Expensify annual recurring revenue. They view this as support for a potential return to growth over the next year.
내러티브 업데이트 • Aug 23
EXFY: Buyback And Reverse Split Will Shape Measured Return To Growth
Analysts lifted their price target on Expensify stock from about $1.13 to roughly $2.83 per share, citing a stronger Q2 report and fresh disclosure of over $10M in new Expensify annual recurring revenue, including interchange, as support for a more constructive outlook on growth and profitability. What’s in the News for Expensify Expensify expanded Expensify Card spend rules to 14 countries, giving admins more granular controls on where, when, and how cards can be used, including merchant specific and currency specific limits.
내러티브 업데이트 • Aug 09
EXFY: New Recurring Revenue And Buyback Plan Will Support Future Upside
Analysts raised their Expensify price target from $1.25 to $3.00, citing a stronger Q2, an updated view of revenue and profit potential, and new recurring revenue of over $10,000,000 that they see as supporting a path back to growth over the next year. What’s in the News for Expensify Expensify launched consolidated travel billing for Expensify Travel, giving U.S. businesses one monthly bill for all travel spend, centralized visibility through a finance dashboard, flexible settlement from a designated business bank account, and accounting integrations that support reconciliation and reporting.Seeking Alpha • Aug 07
Expensify: Still Positive After Q2 Earnings Turnaround And Raised Cash Flow Guidance
Summary Expensify is rated Buy, driven by a return to non-GAAP profitability and robust free cash flow growth in 2Q26. EXFY's shift from legacy to AI-native solutions enhanced operating leverage effects, with EBITDA margin rising from -3.9% to +19.6% YoY. Free cash flow guidance for FY2026 was raised 73% to $13M, supporting ongoing buybacks; EXFY repurchased 7% of shares in 2Q26. Read the full article on Seeking Alpha내러티브 업데이트 • Jul 09
EXFY: Index Removals And Tender Offer Will Pressure Future Returns
Analysts have lowered their price target for Expensify to $1.25 from $2.00, citing more cautious revenue expectations, a slightly higher discount rate, and a lower assumed future P/E multiple, partly offset by a modestly higher long term profit margin outlook. What’s in the News for Expensify Expensify expanded its Concierge AI capabilities, adding conversational analytics, chat based expense management, workspace administration, cross channel access, and beta autonomous workflow agents.내러티브 업데이트 • Jun 25
EXFY: Reverse Split And Tender Offer Will Drive Bearish Outlook
Analysts have adjusted their price targets on Expensify slightly, citing modest changes in the discount rate, revenue growth expectations, profit margin outlook and forward P/E assumptions. These factors together feed into a revised valuation framework expressed in updated dollar-per-share targets.분석 기사 • Jun 19
Expensify (EXFY) Stock Could Be 39% Overvalued After Its ChatGPT And Claude AI Launch
Expensify (EXFY) is drawing fresh attention after launching Expensify MCP, a new integration that lets AI assistants like ChatGPT and Claude query expense data in plain language directly from customer accounts. See our latest analysis for Expensify. That MCP launch comes as Expensify’s short term momentum has picked up, with a 30% 1 day share price return and an 86.89% 90 day share price return, even though the 1 year total shareholder return is down 30.04%. If this AI driven move has your...내러티브 업데이트 • Jun 10
EXFY: Reverse Split And Buyback Will Shape Balanced Forward Risk Reward
Analysts have reduced their price target on Expensify from $1.38 to $1.13, citing a slightly higher discount rate, a modestly less steep revenue decline, stronger profit margin expectations at 12.04%, and a lower assumed future P/E of 9.90x as key drivers of the update. What's in the News Expensify launched the Expensify MCP integration, allowing AI assistants such as ChatGPT and Claude to access and analyze expense data via natural language queries, using secure OAuth 2.1 connections.내러티브 업데이트 • May 27
EXFY: Nasdaq Deficiency And Reverse Split Plan Will Drive Bearish Outlook
Analysts have trimmed their price target for Expensify to reflect a lower fair value of $1.0 from $1.5, citing slightly higher required returns and softer revenue growth expectations, partly offset by relatively stable profit margin assumptions and a reduced future P/E multiple. What's in the News Received a Nasdaq deficiency letter on April 17, 2026, after the Class A common stock traded below the US$1.00 minimum bid price requirement for 30 consecutive business days, starting a 180 day window until October 14, 2026 to regain compliance (Delistings).내러티브 업데이트 • May 01
EXFY: Reverse Split Plan Will Support Future Upside Potential
Analysts have reduced their fair value estimate for Expensify from $1.50 to $1.38 per share. This revision reflects slightly softer revenue growth assumptions, a modest change in the discount rate, and a lower future P/E multiple, partly offset by a small improvement in the expected profit margin.내러티브 업데이트 • Apr 17
EXFY: Share Repurchases And Reverse Split Will Support Future Upside Potential
Analysts have slightly reduced their price target on Expensify to reflect a modestly lower future P/E assumption of 12.24x, down from 12.25x, while keeping fair value, revenue growth, profit margin, and discount rate inputs effectively unchanged. What's in the News Upcoming AGM on May 22, 2026, includes a proposal to amend the Certificate of Incorporation to conduct a reverse stock split of common stock and a proportional reduction in authorized shares, which could affect share count and trading characteristics (Key Developments).내러티브 업데이트 • Apr 01
EXFY: Ongoing Share Buybacks Will Support Future Upside Potential
Analysts have modestly adjusted their price targets for Expensify, citing only minor tweaks to assumptions around the discount rate, long-term revenue growth, profit margins, and future P/E. These changes leave their overall valuation in roughly the same $ range as before.내러티브 업데이트 • Mar 17
EXFY: Share Buybacks And New Partnership Will Support Future Upside Potential
Analysts have slightly reduced their Expensify price targets, reflecting a modest adjustment to the discount rate and only very small changes to long-term profit margin and future P/E assumptions, with no material change to the underlying fair value estimate of $1.50 per share. What's in the News From October 1, 2025 to December 31, 2025, Expensify repurchased 1,958,019 shares, described as 2.1% of its shares, for $3 million under its existing buyback program (company announcement).내러티브 업데이트 • Mar 03
EXFY: Share Buybacks And New Partnership Will Support Future Adoption
Analysts have reduced their price target on Expensify from $2.83 to $1.50, citing lower expectations for revenue growth, slightly higher discount rates, a more conservative profit margin outlook, and a reset future P/E assumption. What's in the News From October 1, 2025 to December 31, 2025, Expensify repurchased 1,958,019 shares, representing 2.1% of its shares, for US$3 million under its existing buyback program (Key Developments).내러티브 업데이트 • Feb 17
EXFY: Expanded Partnerships Will Support Higher Long Term Profitability
Analysts have reduced their price target on Expensify to $2.00 from $5.00, citing a higher discount rate, more cautious revenue growth assumptions, a significant reset in expected P/E multiples, and a sharply higher projected profit margin as the main factors behind the revision. What's in the News Expensify and Xero expanded their partnership to offer joint discounts and marketing campaigns aimed at simplifying operations for small businesses, including free access to Xero's Business Edition for 6 months for new customers who sign up via Expensify, and 50% off Expensify's annual plan for 6 months for new customers coming through Xero (Key Developments).내러티브 업데이트 • Feb 02
EXFY: Share Buybacks And New Partnerships Will Shape Balanced Risk Profile
Analysts have lowered their fair value estimate for Expensify from US$2.00 to US$1.50, citing updated assumptions around discount rates, revenue growth, profit margins, and a lower future P/E multiple. What's in the News Expensify announced an updated integration with Uber for Business that automates receipt collection for employee Uber rides and Uber Eats orders, aiming to cut manual uploads and data entry by sending itemized e-receipts directly into Expensify once accounts are connected (Client Announcements).내러티브 업데이트 • Jan 19
EXFY: AI Concierge And New Partnerships Will Support Stronger Future Adoption
Analysts have trimmed their price expectations for Expensify, with the latest fair value estimate now aligning with a lower implied future P/E of about 18.8. This reflects slightly higher discount rate assumptions and modestly stronger long term profit margin forecasts. What's in the News Expensify introduced an improved integration with Uber for Business that automates receipt collection for Uber rides and Uber Eats orders, with e-receipts flowing directly into Expensify for categorization and reconciliation, including global invoicing support and 24/7 assistance through Uber for Business (Key Developments).내러티브 업데이트 • Jan 05
EXFY: Expanded Partnerships And AI Expense Support Will Drive Future User Adoption
Analysts have nudged their price target on Expensify slightly higher, citing a small adjustment to the discount rate, as well as modest tweaks to long term profit margin and future P/E assumptions as key drivers of the change. What's in the News Expensify, Inc.내러티브 업데이트 • Dec 14
EXFY: Expanded NBA Alliance Will Drive Brand Reach And User Adoption
Analysts have nudged their price target on Expensify slightly higher to reflect modest improvements in forecast profit margins and updated discount rate assumptions, while keeping long term growth expectations broadly intact. What's in the News Launched an enhanced integration with Uber for Business that fully automates collection and categorization of receipts for Uber rides and Uber Eats orders, improving compliance and reducing manual data entry for corporate travel and dining expenses (client announcement).내러티브 업데이트 • Nov 28
EXFY: Expanded NBA Partnership Will Boost Brand Presence And User Adoption
Analysts have lowered their price target for Expensify from $2.83 to $2.83 per share. This adjustment is due to reduced revenue growth expectations and a slight decrease in projected profit margins.내러티브 업데이트 • Nov 10
EXFY: Expanded Partnerships And AI Integration Will Drive Shareholder Value
Analysts have lowered their price target for Expensify to $2.83 from $3.17. This decision is based on revised assumptions around revenue growth and future profitability projections.분석 기사 • Nov 08
An Intrinsic Calculation For Expensify, Inc. (NASDAQ:EXFY) Suggests It's 44% Undervalued
Key Insights Using the 2 Stage Free Cash Flow to Equity, Expensify fair value estimate is US$2.44 Current share price...내러티브 업데이트 • Aug 08
Digital Transformation And Cloud Finance Will Advance Superapp Potential
Despite improvement in Expensify’s Net Profit Margin and a sharply lower Future P/E ratio suggesting better profitability and a more attractive valuation, analysts have nonetheless reduced their consensus price target from $3.88 to $3.50. What's in the News Expensify was added to a wide range of Russell indices, including the Russell 2000, 2500, 3000, Microcap, and Small Cap Completeness indices, as well as their respective growth and value sub-indices, signaling increased index fund inclusion and potential visibility to institutional investors.분석 기사 • Jul 16
At US$2.18, Is Expensify, Inc. (NASDAQ:EXFY) Worth Looking At Closely?
Expensify, Inc. ( NASDAQ:EXFY ), might not be a large cap stock, but it saw significant share price movement during...분석 기사 • May 25
Revenues Working Against Expensify, Inc.'s (NASDAQ:EXFY) Share Price Following 26% Dive
To the annoyance of some shareholders, Expensify, Inc. ( NASDAQ:EXFY ) shares are down a considerable 26% in the last...Seeking Alpha • Apr 23
Expensify: Tiny Company, Bountiful FCF Potential
Summary Expensify, a small-cap stock, has seen a ~20% decline but offers a buying opportunity due to its AI-driven cost reductions and simplified pricing plans. The company provides an all-in-one T&E solution for SMBs, featuring integrations with QuickBooks and Workday, and a new travel booking platform. Despite moderate revenue growth, Expensify has significantly boosted adjusted EBITDA margins to 28% in FY24, with a strong focus on AI to reduce costs. Trading at just 11.5x EV/FY25 FCF, EXFY's low valuation and debt-free status offer a buffer against macroeconomic risks and variable revenue. Read the full article on Seeking Alpha
새로운 내러티브 • Mar 31
AI Integration, SmartScan And Travel Will Drive Future Efficiency
Expensify's strategic AI investments and successful card program expansion could enhance profitability and sustain revenue growth through increased margins and new revenue streams.Seeking Alpha • Jan 30
Expensify: Competitive Industry And Poor Operating Metrics
Summary Expensify stock is rated a sell due to high market growth expectations, significant seat churn, minimal revenue growth, and intense competition. Despite opportunities in AI automation and new expense card programs, execution risks and rising interchange rates could negatively impact customer retention and revenue. Expensify's poor operating metrics, high competition, and low historical revenue growth make the stock unattractive despite its comprehensive strategy and customer service focus. Read the full article on Seeking AlphaSeeking Alpha • Nov 13
The Jury's Still Out On Expensify's Platform 2.0 Approach
Summary Expensify's Q3 2024 results show declining revenue but improved free cash flow guidance. The global expense and travel management software market is projected to grow significantly, driven by mobile device use, cost reduction demands, and AI technologies. Despite stable gross margins and reduced SG&A costs, Expensify's revenue growth remains challenged, with a focus on transitioning to its Platform 2.0 approach. I remain on hold due to negative revenue growth and despite positive operating margin trends and potential long-term growth from Expensify Card and Expensify Travel. Read the full article on Seeking Alpha분석 기사 • Nov 09
Expensify, Inc. (NASDAQ:EXFY) Stock Catapults 32% Though Its Price And Business Still Lag The Industry
Expensify, Inc. ( NASDAQ:EXFY ) shareholders would be excited to see that the share price has had a great month...이익 및 매출 성장 예측
| 날짜 | 매출 | 이익 | 자유현금흐름 | 영업현금흐름 | 평균 애널리스트 수 |
|---|---|---|---|---|---|
| 12/31/2028 | 135 | 27 | 21 | 30 | 2 |
| 12/31/2027 | 136 | -4 | 19 | 23 | 3 |
| 12/31/2026 | 136 | -10 | 14 | 17 | 3 |
| 6/30/2026 | 138 | -16 | 8 | 13 | N/A |
| 3/31/2026 | 140 | -21 | 8 | 12 | N/A |
| 12/31/2025 | 142 | -21 | 17 | 20 | N/A |
| 9/30/2025 | 144 | -16 | 24 | 28 | N/A |
| 6/30/2025 | 144 | -15 | 23 | 27 | N/A |
| 3/31/2025 | 142 | -9 | 23 | 28 | N/A |
| 12/31/2024 | 139 | -10 | 16 | 24 | N/A |
| 9/30/2024 | 137 | -16 | 7 | 16 | N/A |
| 6/30/2024 | 139 | -31 | -2 | 7 | N/A |
| 3/31/2024 | 144 | -39 | -12 | -3 | N/A |
| 12/31/2023 | 151 | -41 | -6 | 2 | N/A |
| 9/30/2023 | 159 | -38 | 3 | 9 | N/A |
| 6/30/2023 | 165 | -29 | 9 | 13 | N/A |
| 3/31/2023 | 169 | -26 | 27 | 29 | N/A |
| 12/31/2022 | 169 | -27 | 31 | 33 | N/A |
| 9/30/2022 | 166 | -40 | -5 | -3 | N/A |
| 6/30/2022 | 161 | -38 | 3 | 8 | N/A |
| 3/31/2022 | 153 | -23 | -1 | 7 | N/A |
| 12/31/2021 | 143 | -14 | -2 | 5 | N/A |
| 9/30/2021 | 128 | 4 | 38 | 47 | N/A |
| 6/30/2021 | 112 | 4 | 37 | 42 | N/A |
| 3/31/2021 | 96 | 0 | 20 | 23 | N/A |
| 12/31/2020 | 88 | -2 | 3 | 8 | N/A |
| 12/31/2019 | 80 | N/A | N/A | 12 | N/A |
애널리스트 향후 성장 전망
수입 대 저축률: EXFY 은 향후 3년 동안 수익을 낼 것으로 예상되며, 이는 절약률(3.7%)보다 빠른 성장으로 간주됩니다.
수익 vs 시장: EXFY (는) 향후 3년 동안 평균 시장 성장보다 높은 수익을 올릴 것으로 예상됩니다.
고성장 수익: EXFY 향후 3년 내에 수익을 낼 것으로 예상됩니다.
수익 대 시장: EXFY 의 수익은 향후 3년간 감소할 것으로 예상됩니다(연간 -1.1%).
고성장 매출: EXFY 의 수익은 향후 3년 동안 감소할 것으로 예상됩니다(연간 -1.1%).
주당순이익 성장 예측
향후 자기자본이익률
미래 ROE: EXFY의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.
성장 기업 찾아보기
기업 분석 및 재무 데이터 상태
| 데이터 | 최종 업데이트 (UTC 시간) |
|---|---|
| 기업 분석 | 2026/09/10 03:27 |
| 종가 | 2026/09/10 00:00 |
| 수익 | 2026/06/30 |
| 연간 수익 | 2025/12/31 |
데이터 소스
당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.
| 패키지 | 데이터 | 기간 | 미국 소스 예시 * |
|---|---|---|---|
| 기업 재무제표 | 10년 |
| |
| 분석가 컨센서스 추정치 | +3년 |
|
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| 시장 가격 | 30년 |
| |
| 지분 구조 | 10년 |
| |
| 경영진 | 10년 |
| |
| 주요 개발 | 10년 |
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* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.
별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.
분석 모델 및 스노우플레이크
이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.
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산업 및 섹터 지표
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분석가 소스
Expensify, Inc.는 8명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.
| 분석가 | 기관 |
|---|---|
| Daniel Jester | BMO Capital Markets Equity Research |
| Koji Ikeda | BofA Global Research |
| Steven Enders | Citigroup Inc |