Welcome to our dedicated page for Expensify SEC filings (Ticker: EXFY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Expensify, Inc. (Nasdaq: EXFY) SEC filings page on Stock Titan provides access to the company’s regulatory disclosures as filed with the U.S. Securities and Exchange Commission. As a public software and financial management platform, Expensify uses these filings to report financial results, describe material agreements, and update investors on key corporate developments.
Expensify’s recent Form 8-K filings include earnings announcements for quarters ended June 30 and September 30, where the company furnishes press releases summarizing revenue, free cash flow, net income or loss, and non-GAAP metrics such as adjusted EBITDA and non-GAAP net income. These 8-Ks also reference investor presentations made available on the company’s investor relations site, which provide additional context on business performance and strategy.
Other 8-K filings describe material definitive agreements and financing arrangements. For example, the company has reported the termination of a loan and security agreement with a bank lender, noting that there were no borrowings outstanding at termination and that related liens were released, as well as the entry into a letter of credit facility and security agreement that grants a security interest in substantially all assets of the company and its subsidiaries and governs irrevocable standby letters of credit.
Through Stock Titan, users can follow Expensify’s 8-Ks alongside its periodic reports such as 10-Q and 10-K when available, and use AI-powered summaries to interpret complex sections. These tools can help clarify definitions of non-GAAP measures like free cash flow, explain covenant and collateral language in credit agreements, and surface items related to liquidity, capital resources, and risk factors. Investors interested in EXFY can use this page to monitor new filings, review historical disclosures, and better understand how Expensify communicates its financial condition and obligations.
Expensify, Inc.'s Chief Executive Officer and director reported recent transactions in Class A common stock. On 12/15/2025, the reporting person acquired 6,712 shares at $0 as matched shares under Expensify's 2021 Stock Purchase and Matching Plan, increasing their direct holdings. On 12/17/2025, they disposed of 2,544 shares in a sale reported with a weighted average price of $1.55 per share to cover taxes for matched share grants to certain employees, with actual sale prices ranging from $1.43 to $1.58.
Following these transactions, the reporting person directly beneficially owned 212,567 Class A shares and indirectly beneficially owned 1,378,480 Class A shares through Barrett Trust LLC, whose investment and voting decisions are controlled by the reporting person via a family trust.
Expensify, Inc. insider Ryan Schaffer, the Chief Financial Officer and a director, reported several Class A common stock transactions in mid-December 2025. On 12/15/2025, he acquired 13,555 shares at $1.65 per share and received an additional 7,076 matched shares at a price of $0, both pursuant to Expensify's 2021 Stock Purchase and Matching Plan. On 12/17/2025, he sold 2,632 shares at a weighted average price of $1.55 per share, in transactions used to cover taxes related to matched share grants for certain employees. After these transactions, Schaffer directly held 203,936 shares of Expensify Class A common stock.
Expensify, Inc. disclosed that its chief executive officer and director sold 30,000 shares of Class A common stock on December 1, 2025, reported on a Form 4 insider transaction filing and effected under a Rule 10b5-1 trading plan adopted on March 31, 2025.
The shares were sold at a weighted average price of $1.52, with individual sale prices ranging from $1.52 to $1.53. Following this transaction, the reporting person beneficially owned 1,378,480 Class A shares indirectly through Barrett Trust LLC and 208,399 Class A shares directly.
Expensify, Inc. (EXFY) reported an insider purchase by a director. On 11/11/2025, the director bought 40,000 shares of Class A common stock with transaction code P at a weighted average price of $1.43. Following the trade, the insider beneficially owns 289,754 shares, held directly.
The filing notes the shares were purchased in multiple transactions within a $1.42–$1.44 price range, and the insider will provide detailed breakdowns upon request as customary.
Expensify, Inc. (EXFY) furnished an 8-K announcing its quarterly update. On November 6, 2025, the company issued a press release with financial results for the quarter ended September 30, 2025 and posted an investor presentation on its website. The press release and presentation are furnished as Exhibits 99.1 and 99.2.
Per Items 2.02 and 7.01, the information is furnished, not filed, and is not subject to Section 18 liabilities nor incorporated by reference except as specifically referenced. The materials include forward-looking statements subject to stated cautionary language.
Expensify (EXFY) filed its Q3 2025 10‑Q, showing largely stable revenue with shifting mix. Revenue was $35.1M versus $35.4M a year ago, while Q3 net loss was $2.3M versus $2.2M. Gross margin was $17.4M as cost of revenue held near prior levels. Operating expenses rose to $19.7M, driving a $2.3M operating loss compared with a small profit last year. For the nine months, revenue reached $106.9M (up from $102.2M) and net loss widened to $14.3M.
Card economics are becoming more meaningful. Interchange revenue grew to $5.4M in Q3 (from $3.7M), with cashback rewards recorded as contra‑revenue at $2.6M (from $2.3M). Operating cash flow was positive at $17.9M year‑to‑date, supporting liquidity. Cash and cash equivalents were $61.5M, and total cash, cash equivalents and restricted cash were $104.4M at period end. The company repurchased 1,579,763 shares in Q3 for $3.0M ($6.1M year‑to‑date), leaving $44.0M under its 2025 authorization. Expensify terminated its $25M revolver on July 1, 2025 with no borrowings outstanding and maintains a $7.5M undrawn letter of credit expiring March 20, 2026. Class A shares outstanding were 80,840,150 as of November 3, 2025.
Expensify (EXFY): A company director reported selling 9,000 shares of Class A common stock on 11/03/2025 at a weighted average price of $1.6. The sale was made pursuant to a Rule 10b5-1 trading plan adopted on December 27, 2024. Following the transaction, the director directly beneficially owns 317,857 shares.
The shares were sold in multiple trades within a price range of $1.59 to $1.63, and detailed trade breakdowns are available upon request.
Expensify (EXFY): CEO sale reported on Form 4. The reporting person, who serves as Chief Executive Officer and Director, sold 30,000 shares of Class A Common Stock on 11/03/2025 under a Rule 10b5-1 trading plan adopted on March 31, 2025. The weighted average sale price was $1.60, with individual trades ranging from $1.59 to $1.63.
Following the transaction, the filing shows 1,408,480 shares beneficially owned indirectly (see note regarding Barrett Trust LLC) and 208,399 shares owned directly. The filing was signed by an attorney-in-fact on 11/06/2025.
Expensify, Inc. entered into a Letter of Credit Facility and Security Agreement with Canadian Imperial Bank of Commerce, acting as administrative agent, and the lenders party thereto.
The agreement governs the company’s existing $7.5 million irrevocable standby letter of credit and permits issuance of additional standby letters of credit. As of October 9, 2025, there were no amounts drawn on the existing LOC. The agreement grants a security interest in substantially all assets of Expensify and its subsidiaries, including intellectual property, for the ratable benefit of the lenders, and replaces the prior loan and security agreement with respect to contingent obligations arising from bank services. It includes customary covenants, representations, warranties, and default provisions.
Liu Ying, a director of Expensify, Inc. (EXFY), received an award of 2,500 restricted stock units that vested immediately on the grant date of 10/05/2025. Each RSU converts into one share of Class A common stock and was granted at a conversion price of $0, increasing the director's reported beneficial ownership to 170,707 shares of Class A common stock. The award was made under the Non-Employee Director Compensation Program and is recorded on a Form 4 reporting the change in ownership.