Expensify: McLaughlin trust sells 196,809 shares

Available on EDGAR 11/12/2026 - 06:54 PM EST Accepted by SEC EDGAR 11/12/2026 - 06:54 PM EST Learn about SEC filing dates

Rhea-AI Filing Summary

Steven J. McLaughlin reported disposition transactions in this Form 4 filing. Expensify, Inc. (EXFY) reported that the Steven J. McLaughlin Revocable Trust, a 10% owner, sold 181,553 Class A shares on November 9, 2026, at a weighted-average $1.853 per share; 196,809 shares on November 10 at $1.693; and 179,186 shares on November 11 at $1.781. Actual sale prices ranged from $1.785 to $1.90, $1.655 to $1.81, and $1.71 to $1.81, respectively. Steven J. McLaughlin is the Trust’s sole trustee. No Rule 10b5-1 plan is reported.

Insider Trade Summary

Net Buyer: 557,548 shares

Net Buy 3 txns

Insider McLaughlin Steven J., Steven J. McLaughlin Revocable Trust, EXP 2020 SPV LP, SF Roofdeck GP LLC

Role 10% Owner | 10% Owner | 10% Owner | 10% Owner

Bought 557,548 shs ($989K)

Increase in Position 5.0%

Type	Security	Shares	Price	Value
Purchase	Class A Common Stock F4, F2	179,186	$1.781	$319K
Purchase	Class A Common Stock F3, F2	196,809	$1.693	$333K
Purchase	Class A Common Stock F1, F2	181,553	$1.853	$336K
Holding	Class A Common Stock F5	--	--	--

Holdings After Transaction: Class A Common Stock — 13,429,455 shares (Indirect, See footnote)

Holdings Before and After: Class A Common Stock, 13,987,003 to 13,429,455 shares (Indirect, See footnote)

Footnotes (5)

1. F1. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.785 to $1.90, inclusive. The Reporting Persons undertake to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission full information regarding the number of shares sold at each separate price within the ranges set forth footnotes (1), (3), and (4) to this Form 4.
2. F2. These shares are owned directly by the Steven J. McLaughlin Revocable Trust (the "Trust"), of which Steven J. McLaughlin is the sole trustee.
3. F3. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.655 to $1.81, inclusive.
4. F4. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.71 to $1.81, inclusive.
5. F5. These shares are owned directly by EXP 2020 SPV LP ("EXP"). SF Roofdeck GP LLC ("Roofdeck") serves as the general partner of EXP. Roofdeck is wholly owned by the Trust, of which Steven J. McLaughlin is the sole trustee. Mr. McLaughlin disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

Key Figures

Shares sold: 181,553 shares Weighted-average sale price: $1.853 per share Shares sold: 196,809 shares +3 more

6 metrics

Shares sold 181,553 shares November 9, 2026

Weighted-average sale price $1.853 per share November 9, 2026

Shares sold 196,809 shares November 10, 2026

Weighted-average sale price $1.693 per share November 10, 2026

Shares sold 179,186 shares November 11, 2026

Weighted-average sale price $1.781 per share November 11, 2026

Key Terms

Weighted average price, Class A Common Stock

2 terms

Weighted average price financial

"Weighted average price for shares of Class A Common Stock sold"

Weighted average price is the average price of a security where each trade or component is counted according to its size, so bigger trades pull the average more than smaller ones. Think of it like calculating the average cost of a grocery haul where items you bought more of have greater influence on the final per-item cost. Investors use it to understand the true average price paid or received, judge execution quality, and compare trading performance against market movement.

Class A Common Stock financial

"shares of Class A Common Stock sold"

Class A common stock is a category of a company’s shares that carries a specific set of ownership rights—most commonly defined voting power and claims on dividends—set out in the company’s charter. For investors it matters because the class determines how much influence you have over corporate decisions, the share’s likely dividend and trading behavior, and how it compares in value to other share classes, like choosing a particular seat with different privileges at the company’s decision-making table.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many EXFY shares did the Steven J. McLaughlin Revocable Trust sell, and at what prices?

The Trust sold 181,553 shares on November 9, 2026, at a weighted-average $1.853 per share; 196,809 on November 10 at $1.693; and 179,186 on November 11 at $1.781. Actual prices ranged from $1.785 to $1.90, $1.655 to $1.81, and $1.71 to $1.81, respectively.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McLaughlin Steven J.

(Last) (First) (Middle)

6619 S DIXIE HIGHWAY, #345

(Street)

MIAMI BEACH FLORIDA 33143

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Expensify, Inc. [ EXFY ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
11/09/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

	Form filed by One Reporting Person
X	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	11/09/2026		P		181,553	D	$1.853(1)	12,021,840	I	See footnote(2)
Class A Common Stock	11/10/2026		P		196,809	D	$1.693(3)	11,825,031	I	See footnote(2)
Class A Common Stock	11/11/2026		P		179,186	D	$1.781(4)	11,645,845	I	See footnote(2)
Class A Common Stock								1,783,610	I	See footnote(5)

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

1. Name and Address of Reporting Person^*

McLaughlin Steven J.

(Last) (First) (Middle)

6619 S DIXIE HIGHWAY, #345

(Street)

MIAMI BEACH FLORIDA 33143

(City) (State) (Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

Steven J. McLaughlin Revocable Trust

(Last) (First) (Middle)

6619 S DIXIE HIGHWAY, #345

(Street)

MIAMI BEACH FLORIDA 33143

(City) (State) (Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

EXP 2020 SPV LP

(Last) (First) (Middle)

6619 S DIXIE HIGHWAY, #345

(Street)

MIAMI BEACH FLORIDA 33143

(City) (State) (Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

1. Name and Address of Reporting Person^*

SF Roofdeck GP LLC

(Last) (First) (Middle)

6619 S DIXIE HIGHWAY, #345

(Street)

MIAMI BEACH FLORIDA 33143

(City) (State) (Zip)

UNITED STATES

(Country)

Relationship of Reporting Person(s) to Issuer

	Director	X	10% Owner
	Officer (give title below)		Other (specify below)

Explanation of Responses:

1. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.785 to $1.90, inclusive. The Reporting Persons undertake to provide the Issuer, any security holder of the Issuer or the staff of the Securities and Exchange Commission full information regarding the number of shares sold at each separate price within the ranges set forth footnotes (1), (3), and (4) to this Form 4.

2. These shares are owned directly by the Steven J. McLaughlin Revocable Trust (the "Trust"), of which Steven J. McLaughlin is the sole trustee.

3. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.655 to $1.81, inclusive.

4. Weighted average price for shares of Class A Common Stock sold. Actual price for shares sold ranged from $1.71 to $1.81, inclusive.

5. These shares are owned directly by EXP 2020 SPV LP ("EXP"). SF Roofdeck GP LLC ("Roofdeck") serves as the general partner of EXP. Roofdeck is wholly owned by the Trust, of which Steven J. McLaughlin is the sole trustee. Mr. McLaughlin disclaims beneficial ownership of these securities except to the extent of his pecuniary interest therein.

	/s/ Steven J. McLaughlin	11/12/2026
	Steve J. McLaughlin Revocable Trust, By: /s/ Steven J. McLaughlin, Authorized Signatory	11/12/2026
	EXP 2020 SPV LP By: /s/ Steven J. McLaughlin, Authorized Signatory	11/12/2026
	SF Roofdeck GP LLC, By: /s/ Steven J. McLaughlin, Authorized Signatory	11/12/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)