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.
Expensify, Inc. filings document the public-company disclosures of a software issuer focused on expense management, corporate cards, travel, bills, and related spend workflows. Form 8-K reports furnish quarterly and annual results, shareholder letters, and investor presentation materials that describe revenue, card activity, product development, partnerships, and financial condition.
The filing record also covers governance and capital-structure matters. Definitive proxy statements address annual meeting voting items, board matters, executive compensation, and equity awards, while material-event filings record credit and letter-of-credit arrangements, termination of financing agreements, registered Class A common stock, and Nasdaq continued-listing disclosures.
Expensify, Inc. insider activity shows plan-based share purchases, matched shares, and a small tax-related sale. A director and Chief Operating Officer acquired 18,571 shares of Class A common stock on 12/15/2025 at $1.65 per share under Expensify’s 2021 Stock Purchase and Matching Plan. On the same date, the insider received an additional 1,247 matched shares at a price of $0 under the same plan. On 12/17/2025, the insider sold 523 shares at a weighted average price of $1.55, with the sale described as part of broker-executed transactions to cover taxes for matched share grants to certain employees. After these transactions, the insider directly beneficially owned 77,770 Class A shares.
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.