Expensify, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Expensify, Inc.'s yearly results (2022–2025), compared with Technology companies in United States. Tap ? on any ratio for what it means.
What stands out
- Cash Cushion Ratio: Cash, after subtracting all debt, equals 25% of its market value (net cash). Higher than 89% of Technology companies in United States.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 85% of Technology companies in United States.
Cash quality
Profit Cash Ratio
—Loss-making or profit too small
Over the last 3 years profit was a loss or under 2% of sales, so cash per 100 of profit is not meaningful.
Self-Funding Ratio
2.5×Over the last 3 years its own operating cash covered its investment spending (capex) 2.5 times.
Lower than 55% of Technology companies in United States.
Cash Locked Ratio
—Data incomplete
Growth quality
Steadiness Ratio
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 85% of Technology companies in United States.
Growth Efficiency Ratio
—Sales fell 16%
Sales fell 16% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-16% / -12%In 3 years sales changed by -16% while total assets changed by -12%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
29.6×Debt due within a year is covered 29.6 times by its yearly operating cash.
Higher than 81% of Technology companies in United States.
Cash Cushion Ratio
+25%Cash, after subtracting all debt, equals 25% of its market value (net cash).
Higher than 89% of Technology companies in United States.
Tangible Assets Ratio
93%Of every $100 the company owns, $93 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 76% of Technology companies in United States.
Tangible Net Worth Ratio
90%Of every $100 of net worth, $90 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 80% of Technology companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (12)
Expensify, Inc. made a loss over the last year. Expensify, Inc. owes $0.27 for every $1 it owns. Expensify, Inc. made a loss in each of the last two years.
Compared with Technology companies in United States · latest annual results Dec 2025.
P/E ratio
LossExpensify, Inc. made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
1.73The share price is 1.73 times Expensify, Inc.'s book value per share, lower than 72% of Technology companies in United States.
Market cap
$233 MThe total market value of all of Expensify, Inc.'s shares at today's price (share price × number of shares), smaller than 69% of Technology companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$135 MWhat Expensify, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$1.48Net worth divided by the number of shares. The share price of $2.55 is 1.7 times this, which is the P/B above.
Return on equity (ROE)
-11.7%Expensify, Inc. lost 11.7% of its shareholders' money over the last year, lower than 68% of Technology companies in United States.
Owes vs Owns
0.27×Expensify, Inc. owes $0.27 for every $1 it owns (low), lower than 75% of Technology companies in United States.
Dividend yield
NoneExpensify, Inc. does not currently pay a dividend.
Revenue growth
+2%Revenue rose 2% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Profit growth
LossExpensify, Inc. made a loss in each of the last two years.
Profit margin
-15.1%Expensify, Inc. lost $15 for every $100 of revenue.
Cash vs debt
Net cashExpensify, Inc. held $57 M more cash than debt (net cash) at Dec 2025.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Expensify, Inc.: $233 M ÷ $135 M (30 Jun 2026) = 1.7.
What is Expensify, Inc.'s return on equity?
Expensify, Inc. lost 11.7% of its shareholders' money over the last year, lower than 68% of Technology companies in United States.
How much does Expensify, Inc. owe compared with what it owns?
Expensify, Inc. owes $0.27 for every $1 it owns (low), lower than 75% of Technology companies in United States.
Does Expensify, Inc. pay a dividend?
No. Expensify, Inc. does not currently pay a dividend.
Is Expensify, Inc.'s revenue growing?
Revenue rose 2% in the year to Dec 2025, and shrank 6% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.