EXFY

Expensify, Inc.

There isn't enough reported data to score EXFY yet.

NVDA

NVIDIA Corporation

92
Fundamentals93/ 100
Valuation94/ 100
Upside potential95/ 100
Risk potential9/ 100

NVDA's fundamentals are strong and it looks cheap: trading at 21x earnings, about a third of its usual 65x. Analysts expect strong earnings growth.

EXFY Fundamentals

MetricStatus
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.

NVDA Fundamentals

MetricStatus
Strong
Strong
Strong
Strong

NVDA's revenue, profitability, cash flow and balance sheet are all currently strong.

EXFY PE Valuation

EXFY has no meaningful PE right now: it lost money over the past year.

NVDA PE Valuation

CHEAPFAIREXPENSIVE63x127x190x253x
CHEAPFAIREXPENSIVE63x127x190x253x
LevelPEPriceVs current
Forward12x$166—
Current21x$166—
Cheap44x$345+108%
Fair65x$511+207%
Expensive93x$734+342%

Historical ranges are pointers, not guarantees.

NVDA's PE is in its cheap range at 21x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.

EXFY Forward outlook

MetricOutlook
--
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.

NVDA Forward outlook

MetricOutlook
Strongly improving
Strong growth
Strong growth
Weakening
Broad
Moderate

NVDA has the edge over EXFY on the outlook, with more favorable earnings and revenue expectations.

EXFY Risk to reward

ScenarioChangePrice
UpsideUnknown—
DownsideUnknown—

Calculated from the latest close: $1.86 on Nov 12.

There is not enough scenario data to compare EXFY and NVDA's risk to reward.

NVDA Risk to reward

ScenarioChangePrice
Upside+189%$480.16
Downside-9%$150.78

Calculated from the latest close: $166.19 on Nov 12.

There is not enough scenario data to compare EXFY and NVDA's risk to reward.

EXFY Earnings Per Share

Q4 2023: $-0.50Q1 2024: $-0.47Q2 2024: $-0.36Q3 2024: $-0.17Q4 2024: $-0.12Q1 2025: $-0.11Q2 2025: $-0.18Q3 2025: $-0.19Q4 2025: $-0.23Q1 2026: $-0.22Q2 2026: $-0.16Q3 2026: $-0.17Forward: $0.09
Q4 2023: $-0.50Q1 2024: $-0.47Q2 2024: $-0.36Q3 2024: $-0.17Q4 2024: $-0.12Q1 2025: $-0.11Q2 2025: $-0.18Q3 2025: $-0.19Q4 2025: $-0.23Q1 2026: $-0.22Q2 2026: $-0.16Q3 2026: $-0.17Forward: $0.09
QuarterTTM EPSYoY
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.

NVDA Earnings Per Share

Q4 2023: $0.76Q1 2024: $1.19Q2 2024: $1.71Q3 2024: $2.13Q4 2024: $2.54Q1 2025: $2.94Q2 2025: $3.10Q3 2025: $3.51Q4 2025: $4.03Q1 2026: $4.90Q2 2026: $6.53Q3 2026: $7.91Forward: $13.77
Q4 2023: $0.76Q1 2024: $1.19Q2 2024: $1.71Q3 2024: $2.13Q4 2024: $2.54Q1 2025: $2.94Q2 2025: $3.10Q3 2025: $3.51Q4 2025: $4.03Q1 2026: $4.90Q2 2026: $6.53Q3 2026: $7.91Forward: $13.77
QuarterTTM EPSYoY
Forward$13.77+74%
Q3 2026$7.91+125%
Q2 2026$6.53+111%
Q1 2026$4.90+67%
Q4 2025$4.03+59%
Q3 2025$3.51+65%
Q2 2025$3.10+81%
Q1 2025$2.94+147%
Q4 2024$2.54+234%

NVDA has the edge over EXFY on earnings quality, reporting a profit while its opponent remains loss making.

EXFY Quarterly Revenue

Q4 2023: $35MQ1 2024: $34MQ2 2024: $33MQ3 2024: $35MQ4 2024: $37MQ1 2025: $36MQ2 2025: $36MQ3 2025: $35MQ4 2025: $35MQ1 2026: $34MQ2 2026: $34MQ3 2026: $33M
Q4 2023: $35MQ1 2024: $34MQ2 2024: $33MQ3 2024: $35MQ4 2024: $37MQ1 2025: $36MQ2 2025: $36MQ3 2025: $35MQ4 2025: $35MQ1 2026: $34MQ2 2026: $34MQ3 2026: $33M
QuarterRevenueYoY
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.

NVDA Quarterly Revenue

Q4 2023: $18.1BQ1 2024: $22.1BQ2 2024: $26BQ3 2024: $30BQ4 2024: $35.1BQ1 2025: $39.3BQ2 2025: $44.1BQ3 2025: $46.7BQ4 2025: $57BQ1 2026: $68.1BQ2 2026: $81.6BQ3 2026: $96.2B
Q4 2023: $18.1BQ1 2024: $22.1BQ2 2024: $26BQ3 2024: $30BQ4 2024: $35.1BQ1 2025: $39.3BQ2 2025: $44.1BQ3 2025: $46.7BQ4 2025: $57BQ1 2026: $68.1BQ2 2026: $81.6BQ3 2026: $96.2B
QuarterRevenueYoY
Q3 2026$96.2B+106%
Q2 2026$81.6B+85%
Q1 2026$68.1B+73%
Q4 2025$57B+62%
Q3 2025$46.7B+56%
Q2 2025$44.1B+69%
Q1 2025$39.3B+78%
Q4 2024$35.1B+94%

NVDA has the edge over EXFY on sales, with more consistent year-over-year improvement.

EXFY Free Cash Flow

Q4 2023: −$824,000Q1 2024: $3MQ2 2024: $9MQ3 2024: $4MQ4 2024: $7MQ1 2025: $5MQ2 2025: --Q3 2025: $4MQ4 2025: $2MQ1 2026: $118,000Q2 2026: --Q3 2026: $4M
Q4 2023: −$824,000Q1 2024: $3MQ2 2024: $9MQ3 2024: $4MQ4 2024: $7MQ1 2025: $5MQ2 2025: --Q3 2025: $4MQ4 2025: $2MQ1 2026: $118,000Q2 2026: --Q3 2026: $4M
QuarterFree cash flowYoY
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

NVDA has the stronger cash trend. Its trailing FCF is up 290% versus its history, compared with EXFY at down 24%.

NVDA Free Cash Flow

Q4 2023: --Q1 2024: $11.2BQ2 2024: $15BQ3 2024: $13.5BQ4 2024: $16.8BQ1 2025: $15.6BQ2 2025: $26.2BQ3 2025: $13.5BQ4 2025: $22.1BQ1 2026: $34.9BQ2 2026: $48.6BQ3 2026: $21.4B
Q4 2023: --Q1 2024: $11.2BQ2 2024: $15BQ3 2024: $13.5BQ4 2024: $16.8BQ1 2025: $15.6BQ2 2025: $26.2BQ3 2025: $13.5BQ4 2025: $22.1BQ1 2026: $34.9BQ2 2026: $48.6BQ3 2026: $21.4B
QuarterFree cash flowYoY
Q3 2026$21.4B+59%
Q2 2026$48.6B+86%
Q1 2026$34.9B+124%
Q4 2025$22.1B+32%
Q3 2025$13.5B-0.3%
Q2 2025$26.2B+75%
Q1 2025$15.6B+38%
Q3 2024$13.5B+113%

NVDA's free cash flow has been positive every quarter for six years: $127B over the past year, up 76% from the year before.

EXFY Total Shares

Q4 2023: 82MQ1 2024: 85MQ2 2024: 87MQ3 2024: 88MQ4 2024: 87MQ1 2025: 92MQ2 2025: 92MQ3 2025: 93MQ4 2025: 92MQ1 2026: 94MQ2 2026: 95MQ3 2026: 92M
Q4 2023: 82MQ1 2024: 85MQ2 2024: 87MQ3 2024: 88MQ4 2024: 87MQ1 2025: 92MQ2 2025: 92MQ3 2025: 93MQ4 2025: 92MQ1 2026: 94MQ2 2026: 95MQ3 2026: 92M
PeriodChange %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 NVDA on shareholder dilution, with a more favorable share count trend.

NVDA Total Shares

Q4 2023: 24.9BQ1 2024: 24.9BQ2 2024: 24.9BQ3 2024: 24.8BQ4 2024: 24.8BQ1 2025: 24.8BQ2 2025: 24.6BQ3 2025: 24.5BQ4 2025: 24.5BQ1 2026: 24.5BQ2 2026: 24.4BQ3 2026: 24.3B
Q4 2023: 24.9BQ1 2024: 24.9BQ2 2024: 24.9BQ3 2024: 24.8BQ4 2024: 24.8BQ1 2025: 24.8BQ2 2025: 24.6BQ3 2025: 24.5BQ4 2025: 24.5BQ1 2026: 24.5BQ2 2026: 24.4BQ3 2026: 24.3B
PeriodChange %Net change
Quarterly-0.4%-106M shares
1 year-1%-247M shares
3 years-2.8%-705M shares
5 years-4.1%-1B shares
Available history-1.8%-435M shares

NVDA has 24.3B diluted shares, down 1% from a year ago, with $55.3B in buybacks over the past year.

EXFY Net Leverage

Q4 2024: -8.1xQ1 2025: -8.7x
Q4 2024: -8.1xQ1 2025: -8.7x
QuarterNet LeverageStatus
Q1 2025-8.7xNet Cash
Q4 2024-8.1xNet Cash
Q3 2021-0.8xNet Cash
Q2 20210.2xVery low
Q1 20210.6xVery low
Q4 20202.1xModerate
Q1 2020-0.7xNet Cash
Q4 201927.5xHigh

EXFY has more cash than debt.

NVDA Net Leverage

Q4 2023: 0.2xQ1 2024: 0.1xQ2 2024: 0.0xQ3 2024: -0.0xQ4 2024: -0.0xQ1 2025: -0.0xQ2 2025: -0.1xQ3 2025: -0.0xQ4 2025: -0.0xQ1 2026: -0.0xQ2 2026: -0.0xQ3 2026: 0.1x
Q4 2023: 0.2xQ1 2024: 0.1xQ2 2024: 0.0xQ3 2024: -0.0xQ4 2024: -0.0xQ1 2025: -0.0xQ2 2025: -0.1xQ3 2025: -0.0xQ4 2025: -0.0xQ1 2026: -0.0xQ2 2026: -0.0xQ3 2026: 0.1x
QuarterNet LeverageStatus
Q3 20260.1xVery low
Q2 2026-0.0xNet Cash
Q1 2026-0.0xNet Cash
Q4 2025-0.0xNet Cash
Q3 2025-0.0xNet Cash
Q2 2025-0.1xNet Cash
Q1 2025-0.0xVery low
Q4 2024-0.0xNet Cash

NVDA's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.

EXFY Weekly Momentum

MetricValueStatus
RSI46.4Neutral
Stochastic32.6Neutral

EXFY's weekly RSI is 46 (neutral) and its Stochastic is 33 (neutral).

NVDA Weekly Momentum

MetricValueStatus
RSI33.4Neutral
Stochastic18.1Oversold

NVDA's weekly RSI is 33 (neutral) and its Stochastic is 18 (oversold).

EXFY PE vs Technology Sector

EXFY has no meaningful PE right now: it lost money over the past year.

NVDA PE vs Technology Sector

MetricNVDASector medianRelative
PE21x28x25% below
PE %03535 pts below

NVDA is trading at 21x earnings, a 25% discount to the Technology sector's median of 28x.

EXFY Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$2.2718% below
20 week MA$2.2015% below
50 week MA$1.6116% above
100 week MA$2.069.7% below
200 week MA$3.0138% below

EXFY's trend is mixed: it's above one of its five weekly moving averages, and 38% below its 200-week average.

NVDA Weekly Moving Averages

Moving averageMA priceRelative
8 week MA$208.920% below
20 week MA$212.022% below
50 week MA$199.917% below
100 week MA$175.15.1% below
200 week MA$123.634% above

NVDA has fallen below most of its moving averages, though it's still 34% above its 200-week average.

EXFY Yearly ROI

YearStart priceEnd priceROI
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 NVDA on returns for 2026, with the stronger performance.

NVDA Yearly ROI

YearStart priceEnd priceROI
2020$5.92$13.0+119%
2021$13.0$29.6+128%
2022$29.6$15.2-49%
2023$15.2$49.5+226%
2024$49.5$137.0+177%
2025$137.0$190.5+39%
2026 YTD$190.5$166.2-13%

NVDA's yearly returns have swung widely, from +226% in 2023 to −49% in 2022. It's down 13% so far in 2026.

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