EXFY Expensify, Inc.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: cloud-based, employee-focused expense management platform simplifying financial workflows for SMBs and enterprises globally
• • New emphasis on expanding platform features beyond expense reports: bill payment, invoicing, and travel booking within one integrated app
• • Strategic shift to drive viral, bottom-up adoption and monetize non-expense-reporting employees via complementary features
• • Paid member count 650,000 across 39,700 companies in 200+ countries; platform processed 1.8 billion expense transactions as of Dec 31, 2025
• • Expanded international growth focus, leveraging word-of-mouth adoption with plans for localized experiences and increased marketing investment

Risk Factors

• • Regulatory risk from SEC enforcement and reporting compliance requirements impacting disclosure accuracy and timeliness
• • Macroeconomic exposure to demand volatility across platform features affecting revenue and cash flow stability
• • Operational risk in maintaining gross logo retention and net seat retention rates essential for revenue growth
• • Competitive threat from emerging SaaS expense management platforms challenging user acquisition and retention
• • Financial risk from significant quarter-to-quarter fluctuations in revenue, working capital, and cash flows impacting forecasting accuracy

Management Discussion & Analysis

• • Revenue $142.1M, up 2% YoY from $139.2M in 2024, driven by increased interchange revenue from updated card program
• • Gross margin 50% vs 54% in 2024, decreased due to higher cost of revenue ($70.6M, +10% YoY) and reduced legacy card program consideration
• • Best segment: Interchange revenue $21.3M in 2025 vs $9.2M in 2024; worst: billable user activity decline including pay-per-use fees
• • Operating expenses increased: Sales & Marketing $26.7M (+109%), G&A $42.1M (+10%), R&D decreased to $20.7M (-16%)
• • Net loss widened to $21.4M vs $10.1M; net loss margin (15%) vs (7%) in 2024
• • No explicit cash flow or capital allocation details disclosed in provided text
• • Forward outlook risks: macroeconomic uncertainties, inflation, recession potential, and ongoing investments in product and market expansion

What are the latest EXFY SEC filings in 2026?

Expensify, Inc. (EXFY) has filed a 10-K annual report on February 26, 2026, a 10-Q quarterly report on May 7, 2026, an 8-K current report on May 29, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did EXFY file its most recent 10-K annual report?

Expensify, Inc. (EXFY) filed its most recent 10-K annual report on February 26, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view EXFY 10-Q quarterly reports?

Expensify, Inc. (EXFY)'s most recent 10-Q quarterly report was filed on May 7, 2026. SignalX displays every EXFY 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has EXFY filed recently?

Expensify, Inc. (EXFY)'s most recent 8-K was filed on May 29, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find EXFY insider trading activity (Form 4)?

SignalX aggregates every EXFY Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does EXFY file with the SEC?

Expensify, Inc. (EXFY) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new EXFY filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for Expensify, Inc. (EXFY).

What is EXFY's SEC CIK number?

Expensify, Inc. (EXFY)'s SEC CIK (Central Index Key) number is 1476840. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1476840 to look up all EXFY filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find EXFY return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from Expensify, Inc. (EXFY) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.