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EXFY vs MSFT

EXFY
Expensify, Inc.
BEARISH
Price
$0.80
Market Cap
$74.3M
Sector
Technology
AI Confidence
50%
MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
EXFY
--
MSFT
23.42
Forward P/E
EXFY
8.55
MSFT
19.86
P/B Ratio
EXFY
0.56
MSFT
7.11
P/S Ratio
EXFY
0.52
MSFT
9.11
EV/EBITDA
EXFY
-0.98
MSFT
16.05

Profitability

Gross Margin
EXFY
50.33%
MSFT
68.59%
Operating Margin
EXFY
-11.19%
MSFT
47.09%
Profit Margin
EXFY
-15.05%
MSFT
39.04%
ROE
EXFY
-16.39%
MSFT
34.39%
ROA
EXFY
-6.26%
MSFT
14.86%

Growth

Revenue Growth
EXFY
-4.9%
MSFT
16.7%
Earnings Growth
EXFY
--
MSFT
59.8%

Financial Health

Debt/Equity
EXFY
0.04
MSFT
0.32
Current Ratio
EXFY
3.3
MSFT
1.39
Quick Ratio
EXFY
1.64
MSFT
1.24

Dividends

Dividend Yield
EXFY
--
MSFT
0.97%
Payout Ratio
EXFY
0.0%
MSFT
21.28%

AI Verdict

EXFY BEARISH

EXFY shows bearish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Concerns include weak profitability or high valuation.

Strengths
Low debt with D/E ratio of 0.04
Risks
Low profit margin of -15.1%
Weak financial trend (Piotroski F-Score: 2/9)
Declining revenue (-4.9%)
MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value

Compare Another Pair

EXFY vs MSFT: Head-to-Head Comparison

This page compares Expensify, Inc. (EXFY) and Microsoft Corporation (MSFT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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