OakChart

Expensify Inc

EXFYTechnology·Software - Application·USA·Micro·NASD·Nov 11 • 3:59 PM ET

1.78+0.06 (3.49%)
2026-11-12 00:38 CET
Market cap
156.99 USD m
Revenue, TTM
136.05 USD m
Net income, TTM
-16.64 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
-0.18
P/E
-
Compare

Price

EXFY against its 20, 50 and 200-day averages
2050200beat
1.001.502.002.506.3M12.5MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26EXFYclose 1.7820-day 2.3350-day 2.32200-day 1.631.7852w high

36.7% under the 52-week high of 2.81 on 10 Aug 2026. 52-week low 0.69 on 18 Mar 2026. Last 15 sessions, 59.4% high to low

Volume 1.13× normal · the line is the 50-bar volume average

Profile

EXFY
52-week range, 51% of the way up
0.692.81

Expensify, Inc. engages in the provision of a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. Its products include receipt scanning, expense management, travel, Expensify card, BYOC, global reimbursements, integrations, and other related products. The company was founded by David Barrett and Witold Stankiewicz on May 1, 2008 and is headquartered in San Francisco, CA.

Employees117
IPONov 10, 2021
Beta1.75
ATR, 14d0.16
Rel volume1.13
Short float1.82%
Insider own40.26%
Inst own29.61%

Snapshot

6 groups

Valuation

Index-
Market Cap164.46M
Enterprise Value86.84M
Income-16.64M
Sales136.05M
Book/sh1.49
Cash/sh0.91
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees117
IPONov 10, 2021

Ratios

P/E-
Forward P/E19.07
PEG1.69
P/S1.21
P/B1.20
P/C1.96
P/FCF8.26
EV/EBITDA-
EV/Sales0.64
Quick Ratio3.50
Current Ratio3.50
Debt/Eq0.05
LT Debt/Eq0.04
Option/ShortYes / Yes

Earnings

EPS (ttm)-0.18
EPS next Y0.09
EPS next Q0.02
EPS this Y124.13%
EPS next Y-28.21%
EPS next 5Y11.31%
EPS past 3/5Y11.49% -61.50%
Sales past 3/5Y-5.71% 10.04%
EPS Y/Y TTM-5.25%
Sales Y/Y TTM-5.46%
EPS Q/Q-45.60%
Sales Q/Q-5.83%
EarningsNov 05 AMC
EPS/Sales Surpr.30.47% -2.50%

Ownership

Insider Own40.26%
Insider Trans-0.44%
Inst Own29.61%
Inst Trans-14.55%
ROA-8.82%
ROE-12.19%
ROIC-11.65%
Gross Margin46.56%
Oper. Margin-8.46%
Profit Margin-12.23%
SMA20-23.48%
SMA50-23.23%
SMA2009.47%
Trades-

Technical

Shs Outstand80.04M
Shs Float54.53M
Short Float1.82%
Short Ratio1.63
Short Interest0.99M
52W High2.81 -36.65%
52W Low0.69 157.71%
Volatility12.41% 6.60%
ATR (14)0.16
RSI (14)28.98
Beta1.75
Rel Volume1.13
Avg Volume607.61K
Volume687,786

Performance

Perf Week-25.21%
Perf Month-27.05%
Perf Quarter-19.82%
Perf Half Y56.14%
Perf YTD17.88%
Perf Year24.48%
Perf 3Y-15.24%
Perf 5Y-96.00%
Perf 10Y-
Recom2.33
Target Price2.83
Prev Close1.72
Price1.78
Change %3.49%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Aug 07, 2026UpgradeCCitizensMkt Perform → Mkt Outperform$3+68.5%
Aug 08, 2025ReiteratedBBMO Capital MarketsMarket Perform$3 → $2.50+40.4%
Nov 25, 2024DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Aug 09, 2024UpgradeJJMP SecuritiesMkt Perform → Mkt Outperform$2.50+40.4%
May 28, 2024UpgradeMMorgan StanleyUnderweight → Equal-Weight
Sep 15, 2023InitiatedJJP MorganUnderweight
Aug 09, 2023DowngradeLLoop CapitalBuy → Hold$9 → $6+237.1%
Aug 09, 2023DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Jun 12, 2023UpgradeMMorgan StanleyUnderweight → Equal-Weight$9 → $5+180.9%
May 10, 2023DowngradeBBMO Capital MarketsOutperform → Market Perform$12 → $8.50+377.5%

Peers

Mkt cap
TickerCompanyMkt cap
BILLBILL Holdings Inc4.67B
NAVNNavan Inc6.88B
BLBlackLine Inc1.57B
INTUIntuit Inc91.57B
CPAYCorpay Inc29.55B
ASURAsure Software Inc313.17M
WKWorkiva Inc3.78B
FLYWFlywire Corp2.73B
PAYOPayoneer Global Inc2.44B
CASSCass Information Systems Inc708.87M

Insider trading

latest 14 of 68
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
David BarrettDirectorSep 17 '26Proposed Sale2.352,6016,112Sep 18 04:48 PM
Jason MillsDirectorSep 17 '26Proposed Sale2.356,86516,133Sep 18 04:48 PM
Ryan SchafferDirectorSep 17 '26Proposed Sale2.353,2917,734Sep 18 04:48 PM
Daniel VidalDirectorSep 17 '26Proposed Sale2.356,22314,624Sep 18 04:48 PM
Carlos AlvarezDirectorSep 17 '26Proposed Sale2.359,98223,458Sep 18 04:48 PM
Alvarez Divo Carlos EduardoDirectorJun 15 '26Sale1.2810,70013,696234,080Jun 16 03:15 PM
CARLOS ALVAREZDirectorJun 15 '26Proposed Sale1.2610,70013,482Jun 15 04:54 PM
David BarrettDirectorJun 15 '26Proposed Sale1.3019,12324,860Jun 12 07:47 AM
Ryan SchafferDirectorJun 15 '26Proposed Sale1.308,16810,618Jun 12 07:47 AM
Jason MillsDirectorJun 15 '26Proposed Sale1.3011,05014,365Jun 12 07:47 AM
Daniel VidalDirectorJun 15 '26Proposed Sale1.309,80912,752Jun 12 07:46 AM
Carlos Alvarez DivoDirectorJun 15 '26Proposed Sale1.3018,77324,405Jun 12 07:46 AM
Alvarez Divo Carlos EduardoDirectorMar 30 '26Sale0.8112,45110,085336,359Jun 11 06:58 PM
Alvarez Divo Carlos EduardoDirectorMar 17 '26Sale0.766,2304,735316,876Jun 11 06:58 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VGTVanguard Information Technology ETFAUM: 138.05B
VXFVanguard Extended Market Index ETFAUM: 30.47B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B
IWCiShares Micro-Cap ETFAUM: 1.22B
EESWisdomTree U.S. SmallCap FundAUM: 684.87M
AVSCAvantis U.S Small Cap Equity ETFAUM: 3.23B
BUSMEA Bridgeway Ultra-Small Company Market ETFAUM: 111.21M
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
DFMCU.S. Micro Cap Portfolio ETF Class SharesAUM: 212.10M

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-050.0300.023-0.04033.0233.873
2026Q22026-08-060.0360.020-0.04033.8733.703
2026Q12026-05-070.0440.020-0.02533.9734.252
2025Q42026-02-26-0.0260.040-0.07735.2035.503
2025Q32025-11-060.0420.054-0.02535.0735.774
2025Q22025-08-07-0.0250.006-0.09535.7636.574
2025Q12025-05-080.0570.064-0.03536.0736.415
2024Q42025-02-270.1020.070-0.01537.0036.155
2024Q32024-11-070.0670.055-0.02535.4135.025
2024Q22024-08-080.0670.043-0.03233.2935.656
2024Q12024-05-090.0440.040-0.04433.5435.566
2023Q42024-02-220.037-0.048-0.09035.2136.858
2023Q32023-11-07-0.0820.021-0.20636.4939.168
2023Q22023-08-08-0.0120.050-0.13838.8841.497
2023Q12023-05-090.0500.079-0.07340.1043.737
2022Q42023-02-230.0880.065-0.04243.4744.389

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2021FY0.9160.906-0.167142.84142.62
2022FY0.3140.278-0.334169.5171.22
2023FY-0.006-0.092-0.503150.69154.35
2024FY0.2640.238-0.115139.24141.54
2025FY0.0580.120-0.230142.1142.4
2026FY-0.130--134.05
2027FY-0.093--133.16
2028FY-0.080--138.04

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-0630233.3033.2033.40
2026Q4S2026-11-0530034.1733.4035.20
2026Q4S2026-10-2130034.1733.4035.20
2026Q4S2026-08-0731034.1733.4035.20
2026Q4S2026-07-2430034.0033.3035.40
2026Q4S2026-07-2230033.9933.2735.40
2026Q4S2026-07-0730133.9933.2735.40
2026Q4S2026-05-3030233.9933.2735.40
2026Q4S2026-05-0830333.9933.2735.40
2026Q4S2026-04-2320233.3233.0033.64
2026Q4S2026-02-2720233.9233.6434.20
2026Q4S2026-01-2130036.5434.7038.30
2026Q4S2025-11-1130236.5434.7038.30
2026Q4S2025-11-1030236.5434.7038.30

Estimate history

EPS, annual0-0.021-0.167-0.334-0.503-0.115-0.232-0.1784
Period2019202020212022202320242025TTM
EPS, quarterly-0.025-0.015-0.035-0.095-0.025-0.077-0.025-0.04-0.036
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual80.4688.072142.835169.495150.687139.236142.101136.05
Period2019202020212022202320242025TTM
Sales, quarterly35.40937.00436.07435.76435.06535.19833.96933.86633.021
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual81.07781.07781.40182.42985.22591.37793.06192.38
Period2019202020212022202320242025MRQ
Shares, quarterly88.92791.37792.38492.64793.03293.06196.43391.89792.38
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Total Revenue136.05142.10139.24150.69169.50142.8488.0780.46
Cost of Goods Sold Incl. D&A72.7071.7564.3868.7965.4656.5833.8033.36
Gross Profit63.3570.3574.8681.89104.0486.2554.2747.10
Selling, General and Administrative Excl. Other74.8688.3775.68115.04119.2796.5048.6045.85
Research and Development20.4620.6824.6423.3713.6910.996.734.11
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-11.51-18.02-0.82-33.15-15.23-10.255.671.25
Interest Expense--1.575.335.413.482.722.76
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes-10.35-16.29-2.39-38.48-20.64-13.732.95-1.51
Income Taxes6.295.107.662.986.37-0.174.66-2.75
Consolidated Net Income-16.64-21.39-10.05-41.46-27.01-13.56-1.710.00
Net Income From Continuing Operations-16.64-21.39-10.05-41.46-27.01-13.56-1.710.00
Net Income-16.64-21.39-10.05-41.46-27.01-13.56-1.710.00
EPS (Recurring)-0.18-0.23-0.12-0.50-0.33-0.17-0.020.00
EPS (Basic, Before Extraordinaries)-0.18-0.23-0.12-0.50-0.33-0.17-0.020.00
EPS (Diluted)-0.18-0.23-0.12-0.50-0.33-0.17-0.020.00
EBITDA-1.69-8.986.54-27.37-9.18-5.068.093.27
Non-Operating Income (Expense)1.161.730.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.00-1.24
Stock Option Compensation Expense19.4621.0026.4935.0341.3410.6413.022.55
Price To Earnings Ratio------341.55-
Price To Sales Ratio1.510.982.101.354.2125.08--
Gross Margin46.5649.5153.7654.3561.3860.3961.6258.54
Operating Margin-8.46-12.68-0.59-22.00-8.99-7.186.441.55
Net Margin-12.23-15.05-7.22-27.51-15.93-9.49-1.940.00
Shares Outstanding92.3893.0691.3885.2382.4381.4081.0881.08
Market Capitalization156.99156.99298.03206.74729.75153.03147.54-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue33.0233.8733.9735.2035.0635.7636.0737.00
Cost of Goods Sold Incl. D&A18.4617.8718.1418.2418.0217.5318.0718.23
Gross Profit14.5615.9915.8316.9617.0518.2418.0018.77
Selling, General and Administrative Excl. Other17.2318.9217.8120.9019.3128.5719.4918.31
Research and Development4.954.985.265.264.915.165.366.70
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-2.68-2.92-1.97-3.94-2.26-10.34-1.490.47
Interest Expense-------0.54
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes-2.31-2.72-1.80-3.52-2.16-9.45-1.16-0.07
Income Taxes1.031.130.543.600.15-0.662.011.24
Consolidated Net Income-3.33-3.85-2.34-7.12-2.31-8.79-3.17-1.31
Net Income From Continuing Operations-3.33-3.85-2.34-7.12-2.31-8.79-3.17-1.31
Net Income-3.33-3.85-2.34-7.12-2.31-8.79-3.17-1.31
EPS (Recurring)-0.04-0.04-0.02-0.08-0.03-0.10-0.03-0.01
EPS (Basic, Before Extraordinaries)-0.04-0.04-0.02-0.08-0.03-0.10-0.03-0.01
EPS (Diluted)-0.04-0.04-0.02-0.08-0.03-0.10-0.03-0.01
EBITDA-0.16-0.440.42-1.510.03-8.140.633.13
Non-Operating Income (Expense)0.370.200.170.420.100.890.320.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.095.704.723.955.265.476.317.90
Price To Sales Ratio1.511.240.580.991.191.661.962.16
Gross Margin44.0947.2346.6148.1948.6250.9949.9150.73
Operating Margin-8.10-8.63-5.81-11.19-6.44-28.91-4.121.26
Net Margin-10.10-11.37-6.88-20.22-6.60-24.57-8.78-3.55
Shares Outstanding92.3891.9096.4393.0693.0392.6592.3891.38
Market Capitalization156.99172.6280.99140.49171.40239.33277.89298.03

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Cash & Short Term Investments81.6268.7575.25123.33101.5334.409.99
Short Term Receivables19.8213.1316.8318.9221.1511.827.99
Inventories0.000.000.000.000.000.000.00
Other Current Assets51.0554.6645.0244.8734.9617.4432.53
Total Current Assets152.50136.54137.10187.12157.6463.6650.51
Net Property, Plant & Equipment17.7519.0620.8115.2418.1319.1018.87
Total Investments and Advances0.000.000.000.000.050.050.25
Long-Term Note Receivable-----0.000.60
Intangible Assets13.6016.2312.496.886.363.722.95
Deferred Tax Assets5.236.015.250.340.370.422.85
Other Assets1.651.355.920.660.660.790.56
Total Assets190.72179.19181.57210.24183.2187.7376.60
Short Term Debt Incl. Current Port. of LT Debt0.680.7323.0916.3517.1019.038.95
Accounts Payable0.290.201.431.063.752.333.04
Income Tax Payable0.280.93-----
Other Current Liabilities45.1536.1543.3842.9532.7317.8432.62
Total Current Liabilities46.4138.0167.8960.3653.5839.2044.60
Long Term Debt5.065.746.4751.4352.8732.6735.35
Provision for Risks Charges1.601.501.501.200.200.690.00
Deferred Tax Liabilities4.735.514.79--0.92-
Other Liabilities0.180.190.180.00-0.050.190.00
Total Liabilities57.9850.9580.83113.00106.6073.6679.95
Non-Equity Reserves0.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.0045.1045.10
Common Equity132.75128.24100.7497.2476.61-31.04-48.46
Total Shareholders Equity132.75128.24100.7497.2476.6114.07-3.36
Accumulated Minority Interest0.000.000.000.000.000.000.00
Total Equity132.75128.24100.7497.2476.6114.07-3.36
Total Liabilities & Stockholders Equity190.72179.19181.57210.24183.2187.7376.60
Book Value Per Share1.431.401.181.180.94-0.38-0.60
Tangible Book Value Per Share1.281.231.041.100.86-0.43-0.63
Full-Time Employees117115133138144133127
Price to Book Ratio1.162.482.177.6246.75-207.15-
Return on Assets-11.56-5.57-21.16-13.73-10.01-2.08-
Return on Equity-16.39-8.78-41.88-31.07-29.90-31.93-
Return on Invested Capital-15.52-7.50-38.67-18.17-10.47-3.660.00
Quick Ratio3.293.592.023.102.941.621.13
Current Ratio3.293.592.023.102.941.621.13

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Net Income-16.64-21.39-10.05-41.46-27.01-13.56-1.710.00
Depreciation9.829.047.365.786.055.203.252.85
Other Funds (Non Cash)25.6827.1634.2542.3953.2614.9318.031.80
Funds from Operations18.9414.8131.516.6032.335.7022.923.03
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-4.355.12-7.71-5.040.55-0.95-16.658.21
Cash from Operating Activities14.5919.9423.811.5632.884.756.2711.24
Capital Expenditures-3.83-3.56-7.63-7.29-2.20-7.61-4.30-4.91
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.010.741.311.20
Purchase or Sale of Investments0.000.000.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-4.05-3.56-7.63-7.29-2.20-6.87-2.98-3.71
Cash Dividends Paid0.000.000.000.000.000.000.000.00
Change in Capital Stock-7.26-2.452.981.55-1.5660.961.300.47
Repurchase of Common Pref Stock-13.52-9.10-1.54-3.02-6.030.000.00-0.01
Sale of Common Pref Stock6.256.644.524.574.4760.961.300.48
Proceedsfrom Stock Options6.186.324.094.253.6757.460.000.00
Issuance or Reduction of Debt, Net-0.14-0.14-22.80-45.10-1.3919.047.494.67
Change in Long Term Debt-0.14-0.14-22.80-45.10-1.3919.04-1.13-0.83
Issuance of Long Term Debt0.000.000.000.000.0045.000.000.00
Reduction of Long Term Debt-0.14-0.14-22.80-45.10-1.39-25.96-1.13-0.83
Net Financing Active Other Cash Flow5.520.00-2.18-1.77-5.340.570.000.00
Other Financing Activities Uses-0.130.00-2.18-1.77-5.340.000.000.00
Cash from Financing Activities-1.88-2.59-22.00-45.32-8.2880.568.795.14
Net Change in Cash8.6613.79-5.82-51.0522.3978.4412.0812.66
Free Cash Flow-19.9223.810.1732.292.043.798.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.00--
Price to Free Cash Flow-7.0012.301,164.3322.091,756.57--
Deferred Taxes & Investment Tax Credit-0.01-0.04-0.110.03-0.873.35-2.85

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments83.9185.8386.2581.6279.3381.65
Short Term Receivables12.0611.7112.9919.8215.2614.82
Inventories0.000.000.000.000.000.00
Other Current Assets62.7156.0158.4151.0557.5455.37
Total Current Assets158.68153.55157.65152.50152.13151.84
Net Property, Plant & Equipment17.8817.1017.4217.7518.1118.46
Total Investments and Advances0.000.000.000.000.000.00
Intangible Assets11.0012.4013.2713.6014.6214.87
Deferred Tax Assets0.470.470.495.230.500.50
Other Assets2.291.881.781.651.471.47
Total Assets190.31185.41190.60190.72186.84187.14
Short Term Debt Incl. Current Port. of LT Debt0.940.630.650.680.720.74
Accounts Payable0.931.130.940.290.711.56
Income Tax Payable0.130.150.280.280.180.18
Other Current Liabilities43.4042.1943.4845.1542.7845.95
Total Current Liabilities45.3944.1045.3446.4144.3948.42
Long Term Debt5.354.754.915.065.215.38
Provision for Risks Charges1.901.801.701.601.401.40
Deferred Tax Liabilities---4.73--
Other Liabilities0.210.200.120.180.170.12
Total Liabilities52.8550.8452.0757.9851.1755.32
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity137.46134.56138.53132.75135.66131.81
Total Shareholders Equity137.46134.56138.53132.75135.66131.81
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity137.46134.56138.53132.75135.66131.81
Total Liabilities & Stockholders Equity190.31185.41190.60190.72186.84187.14
Book Value Per Share1.491.461.441.431.461.42
Tangible Book Value Per Share1.371.331.301.281.301.26
Full-Time Employees---117--
Price to Book Ratio1.161.250.611.041.301.78
Return on Assets-8.82-8.39-10.82-11.56-8.58-8.14
Return on Equity-12.19-11.73-15.05-16.39-12.19-12.58
Return on Invested Capital-2.34-2.76-1.63-5.16-1.64-6.41
Quick Ratio3.503.483.483.293.433.14
Current Ratio3.503.483.483.293.433.14

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income-3.33-3.85-2.34-7.12-2.31-8.79
Depreciation2.522.482.392.432.292.20
Other Funds (Non Cash)6.667.306.575.146.807.06
Funds from Operations5.875.976.640.466.780.48
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-1.852.35-6.521.68-2.618.35
Cash from Operating Activities4.018.320.122.144.178.83
Capital Expenditures-0.77-1.08-1.41-0.80-1.08-1.17
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-0.77-1.08-1.41-0.80-1.08-1.17
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-1.07-7.001.87-1.06-1.09-1.54
Repurchase of Common Pref Stock-2.03-8.450.00-3.04-3.03-3.03
Sale of Common Pref Stock0.951.461.871.981.941.49
Proceedsfrom Stock Options0.931.461.831.971.741.46
Issuance or Reduction of Debt, Net-0.03-0.04-0.04-0.04-0.04-0.03
Change in Long Term Debt-0.03-0.04-0.04-0.04-0.04-0.03
Issuance of Long Term Debt0.000.000.000.000.000.00
Reduction of Long Term Debt-0.03-0.04-0.04-0.04-0.04-0.03
Net Financing Active Other Cash Flow1.27-0.194.440.000.000.00
Other Financing Activities Uses-0.130.000.000.000.000.00
Cash from Financing Activities0.17-7.226.27-1.10-1.13-1.57
Net Change in Cash3.420.024.970.241.956.08
Free Cash Flow3.79--2.144.178.81
Price to Free Cash Flow---7.036.809.67

Revenue breakdown

Cashback Rewards2024: -8.95M 2025: -10.09M
Interchange2024: 9.18M 2025: 21.28M
Product and Service, Other2024: 182.00K 2025: 365.00K
Subscription Fees2024: 138.82M 2025: 130.54M
Non-US2024: 12.43M 2025: 12.46M
United States2024: 126.81M 2025: 129.64M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.82%1.0M54.5M721.21K
2026-10-151.86%1.0M54.5M772.18K
2026-09-301.96%1.1M54.5M922.25K
2026-09-152.17%1.2M54.5M1.43M
2026-08-312.09%1.2M56.1M1.51M
2026-08-141.41%0.8M56.0M1.49M
2026-07-311.38%0.8M59.4M1.34M
2026-07-151.26%0.7M59.4M1.33M
2026-06-302.50%1.5M59.8M1.21M
2026-06-157.49%4.5M59.8M797.24K
2026-05-296.54%4.0M61.0M804.87K
2026-05-156.14%3.7M60.9M876.16K
2026-04-305.69%3.5M62.3M844.14K
2026-04-156.74%4.2M62.4M820.31K
2026-03-316.17%3.8M61.0M793.75K
2026-03-135.81%3.5M61.0M699.68K
2026-02-274.27%2.6M61.0M576.23K
2026-02-134.53%2.8M61.0M501.35K
2026-01-304.44%2.7M61.0M482.54K
2026-01-154.16%2.5M60.9M474.18K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call0.500.751.750.0027.4240.000.000.992-0.0090.000
call1.000.301.300.0011.5450.000.000.904-0.0350.000
call1.500.000.600.404.47510.000.000.770-0.0360.001
call2.000.000.750.102.5470.000.000.463-0.0160.001
call2.500.000.050.052.65630.000.000.270-0.0140.001
call5.000.000.300.054.2830.000.000.112-0.0130.001
call7.500.000.750.005.3760.000.000.097-0.0140.000
put0.500.000.600.000.0000.000.00-0.008-0.0090.000
put1.000.000.600.0013.1710.000.00-0.096-0.0350.000
put1.500.000.600.007.6410.000.00-0.230-0.0360.001
put2.000.000.600.254.19926.000.00-0.537-0.0160.001
put2.500.150.900.833.4943.000.00-0.815-0.0080.001
put5.002.803.800.009.8840.000.00-0.888-0.0120.001
put7.505.106.300.0011.2110.000.00-0.903-0.0140.000

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-10SCHEDULE 13G/ASEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-058-KCurrent report2026-11-05SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-09-18144Filing for proposed sale of securities under Rule 144.SEC
2026-08-068-KCurrent report2026-08-06SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-07-074Statement of changes in beneficial ownership of securities2026-05-22SEC
2026-07-074Statement of changes in beneficial ownership of securities2026-05-22SEC
2026-07-074Statement of changes in beneficial ownership of securities2026-07-05SEC
2026-07-074Statement of changes in beneficial ownership of securities2026-05-22SEC
2026-06-264/A2026-06-23SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-23SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-23SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-23SEC
2026-06-254Statement of changes in beneficial ownership of securities2026-06-23SEC
2026-06-164Statement of changes in beneficial ownership of securities2026-06-15SEC
2026-06-15144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-12SC TO-I/ASEC
2026-06-114Statement of changes in beneficial ownership of securities2026-03-13SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-03-13SEC
2026-06-114Statement of changes in beneficial ownership of securities2026-04-01SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060048.20K2
2026-050043.70K2
2026-040056.54K2
2026-032.13M571.18K12
2026-020043.50K1
2026-010045.00K1
2025-1200122.56K12
2025-1157.20K162.40K2

Institutional holders

Manager% owned
Palogic Value Management, L.P.3.67%
ACADIAN ASSET MANAGEMENT LLC3.53%
Parallel Advisors, LLC3.03%
VANGUARD CAPITAL MANAGEMENT LLC2.45%
AQR CAPITAL MANAGEMENT LLC2.16%
CastleKnight Management LP1.79%
VANGUARD PORTFOLIO MANAGEMENT LLC1.21%
BlackRock, Inc.1.15%
JANE STREET GROUP, LLC1.07%
FORMULA GROWTH LTD0.91%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND1.73%
VANGUARD INFORMATION TECHNOLOGY INDEX FUND1.63%
VANGUARD EXTENDED MARKET INDEX FUND0.66%
Fidelity Small Cap Index Fund0.58%
VANGUARD RUSSELL 2000 INDEX FUND0.32%
Schwab U.S. Small-Cap ETF0.28%
iShares Micro-Cap ETF0.24%
Fidelity Extended Market Index Fund0.19%
Schwab U.S. Broad Market ETF0.13%
Fidelity Total Market Index Fund0.12%

OakChart. EXFY. Cached 15 minutes.