EXFY
Expensify, Inc.
There isn't enough reported data to score EXFY yet.
MSFT
Microsoft Corporation
MSFT's fundamentals are strong and it looks cheap: trading at 27x earnings, below its usual 34x. Analysts expect strong earnings growth.
EXFY Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Under pressure | |
| Unavailable | |
| Strong |
EXFY's balance sheet is currently strong, and its revenue is stable, but its profitability is under pressure. There isn't enough data to rate its cash flow.
MSFT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
MSFT's revenue, profitability, cash flow and balance sheet are all currently healthy.
EXFY PE Valuation
EXFY has no meaningful PE right now: it lost money over the past year.
MSFT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 25x | $523 | — |
| Cheap | 27x | $525 | +0.4% |
| Current | 27x | $523 | — |
| Fair | 34x | $652 | +25% |
| Expensive | 37x | $711 | +36% |
Historical ranges are pointers, not guarantees.
MSFT's PE is in its cheap range at 27x. If earnings grow as analysts expect, today's price would be 25x next year's earnings.
EXFY Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Decline | |
| Stable | |
| Weakening | |
| Limited | |
| Low |
Analysts expect EXFY's earnings and profitability to decline, with its revenue holding steady. However, they disagree widely on these estimates.
MSFT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Moderate | |
| High |
MSFT has the edge over EXFY on the outlook, with more favorable earnings and revenue expectations.
EXFY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.09 | — |
| Q3 2026 | -$0.17 | +$0.02 |
| Q2 2026 | -$0.16 | +$0.02 |
| Q1 2026 | -$0.22 | -$0.11 |
| Q4 2025 | -$0.23 | -$0.11 |
| Q3 2025 | -$0.19 | -$0.02 |
| Q2 2025 | -$0.18 | +$0.18 |
| Q1 2025 | -$0.11 | +$0.36 |
| Q4 2024 | -$0.12 | +$0.38 |
EXFY is still losing money, but far less than before: $0.17 per share over the past year, against $0.84 at its worst in mid-2022.
MSFT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.79 | +8.6% |
| Q3 2026 | $19.15 | +36% |
| Q2 2026 | $17.95 | +32% |
| Q1 2026 | $16.80 | +30% |
| Q4 2025 | $15.99 | +29% |
| Q3 2025 | $14.06 | +16% |
| Q2 2025 | $13.64 | +16% |
| Q1 2025 | $12.93 | +12% |
| Q4 2024 | $12.41 | +12% |
MSFT has the edge over EXFY on earnings quality, reporting a profit while its opponent remains loss making.
EXFY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $33M | -5.8% |
| Q2 2026 | $33.9M | -5.3% |
| Q1 2026 | $34M | -5.8% |
| Q4 2025 | $35.2M | -4.9% |
| Q3 2025 | $35.1M | -1% |
| Q2 2025 | $35.8M | +7.4% |
| Q1 2025 | $36.1M | +7.6% |
| Q4 2024 | $37M | +5.1% |
EXFY's revenue has slid since its 2022 peak: $33M last quarter, down 5.8% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -8.1% | -1.7 points |
| Q2 2026 | -8.6% | +20 points |
| Q1 2026 | -5.8% | -1.7 points |
| Q4 2025 | -11% | -12 points |
| Q3 2025 | -6.4% | -7.3 points |
| Q2 2025 | -29% | -30 points |
| Q1 2025 | -4.1% | +1.2 points |
| Q4 2024 | 1.3% | +18 points |
EXFY's operating margin was −8.1% last quarter, down 1.7 points from the same quarter a year ago.
MSFT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $92.3B | +19% |
| Q2 2026 | $90B | +18% |
| Q1 2026 | $82.9B | +18% |
| Q4 2025 | $81.3B | +17% |
| Q3 2025 | $77.7B | +18% |
| Q2 2025 | $76.4B | +18% |
| Q1 2025 | $70.1B | +13% |
| Q4 2024 | $69.6B | +12% |
MSFT has the edge over EXFY on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +0.9 points |
| Q2 2026 | 45% | +0.2 points |
| Q1 2026 | 46% | +0.7 points |
| Q4 2025 | 47% | +1.6 points |
| Q3 2025 | 49% | +2.3 points |
| Q2 2025 | 45% | +1.8 points |
| Q1 2025 | 46% | +1.1 points |
| Q4 2024 | 45% | +1.9 points |
MSFT has the edge over EXFY on profitability, with a higher operating margin.
EXFY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.8M | -9.1% |
| Q1 2026 | $118K | -98% |
| Q4 2025 | $2.2M | -70% |
| Q3 2025 | $4.2M | +13% |
| Q1 2025 | $4.8M | +38% |
| Q4 2024 | $7.4M | +$8.2M |
| Q3 2024 | $3.7M | +$9.4M |
| Q2 2024 | $9.3M | +$10.2M |
MSFT has the stronger cash trend. Its trailing FCF is down 7.4% versus its history, compared with EXFY at down 24%.
MSFT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.6B | -27% |
| Q2 2026 | $19.6B | -23% |
| Q1 2026 | $15.8B | -22% |
| Q4 2025 | $5.9B | -9.3% |
| Q3 2025 | $25.7B | +33% |
| Q2 2025 | $25.6B | +9.6% |
| Q1 2025 | $20.3B | -3.2% |
| Q4 2024 | $6.5B | -29% |
MSFT's free cash flow has been positive every quarter for seven years: $60B over the past year, down 23% from the year before.
EXFY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -4.1% | -3.9M shares |
| 1 year | -1.1% | -1M shares |
| 3 years | +11% | +9.1M shares |
| 5 years | +165% | +57M shares |
| Available history | +13% | +10.5M shares |
EXFY has the edge over MSFT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2M |
| Q4 2025 | $3M |
| Q3 2025 | $3M |
| Q4 2024 | — |
| Q3 2024 | $1.5M |
| Q4 2023 | — |
| Q3 2023 | — |
| Q2 2021 | — |
MSFT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -7M shares |
| 1 year | -0.3% | -20M shares |
| 3 years | -0.2% | -16M shares |
| 5 years | -1.6% | -121M shares |
| Available history | -3.2% | -245M shares |
MSFT has 7.4B diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.4B |
| Q2 2026 | $4.6B |
| Q1 2026 | $4.6B |
| Q4 2025 | $7.4B |
| Q3 2025 | $5.7B |
| Q2 2025 | $4.5B |
| Q1 2025 | $4.8B |
| Q4 2024 | $5B |
MSFT spent $21B buying back its own shares over the past year, up 5.2% from the year before.
EXFY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2025 | -8.7x | Net Cash |
| Q4 2024 | -8.1x | Net Cash |
| Q3 2021 | -0.8x | Net Cash |
| Q2 2021 | 0.2x | Very low |
| Q1 2021 | 0.6x | Very low |
| Q4 2020 | 2.1x | Moderate |
| Q1 2020 | -0.7x | Net Cash |
| Q4 2019 | 27.5x | High |
EXFY has more cash than debt.
MSFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.1x | Very low |
MSFT's net debt is less than a year of its operating earnings (EBITDA).
EXFY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 46.4 | Neutral |
| Stochastic | 32.6 | Neutral |
EXFY's weekly RSI is 46 (neutral) and its Stochastic is 33 (neutral).
MSFT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 68.0 | Neutral |
MSFT's weekly RSI is 62 (neutral) and its Stochastic is 68 (neutral).
EXFY PE vs Technology Sector
EXFY has no meaningful PE right now: it lost money over the past year.
MSFT PE vs Technology Sector
| Metric | MSFT | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 28x | 2% below |
| PE % | 16 | 35 | 19 pts below |
MSFT is trading at 27x earnings, in line with the Technology sector's median of 28x.
EXFY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $2.27 | 18% below |
| 20 week MA | $2.20 | 15% below |
| 50 week MA | $1.61 | 16% above |
| 100 week MA | $2.06 | 9.7% below |
| 200 week MA | $3.01 | 38% below |
EXFY's trend is mixed: it's above one of its five weekly moving averages, and 38% below its 200-week average.
MSFT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $524.7 | 0.3% below |
| 20 week MA | $484.8 | 7.9% above |
| 50 week MA | $446.9 | 17% above |
| 100 week MA | $453.8 | 15% above |
| 200 week MA | $411.5 | 27% above |
MSFT has the edge over EXFY on trend strength, trading above more of its moving averages.
EXFY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $47.6 | $36.9 | -22% |
| 2022 | $36.9 | $8.61 | -77% |
| 2023 | $8.61 | $2.47 | -71% |
| 2024 | $2.47 | $3.47 | +40% |
| 2025 | $3.47 | $1.55 | -55% |
| 2026 YTD | $1.55 | $1.86 | +20% |
EXFY has the edge over MSFT on returns for 2026, with the stronger performance.
MSFT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $159.0 | $222.8 | +40% |
| 2021 | $222.8 | $334.7 | +50% |
| 2022 | $334.7 | $238.7 | -29% |
| 2023 | $238.7 | $376.0 | +58% |
| 2024 | $376.0 | $430.5 | +14% |
| 2025 | $430.5 | $487.7 | +13% |
| 2026 YTD | $487.7 | $523.0 | +7.2% |
MSFT has finished higher in five of the last six years, two of them by more than 50%. It's up 7.2% so far in 2026.