{"schema_version":"secwatch.filing_event.v1","accession":"0001476840-23-000185","form_type":"8-K","ticker":"EXFY","cik":"0001476840","company_name":"Expensify, Inc.","filed_at":"2023-11-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.188001+00:00","generated_at":"2026-06-08T09:11:33.998844+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Expensify Q3 revenue falls 14% YoY to $36.5M; net loss widens to $17M","bullets":["Revenue $36.5M, down 14% YoY; paid members 719K, down 6%.","Net loss $17.0M vs $8.2M loss a year ago; adjusted EBITDA -$3.5M.","Interchange from Expensify Card grew 65% to $3.1M; card program manager role to boost revenue.","Post-quarter, repaid $36M term loan in full, cutting projected Q4 interest by $0.9M.","Targeting ~$15M expense reductions in 2024 to achieve positive cash flow."],"urls":{"canonical":"https://secwatch.observer/filing/0001476840-23-000185","json":"https://secwatch.observer/filing/0001476840-23-000185.json","markdown":"https://secwatch.observer/filing/0001476840-23-000185.md","text":"https://secwatch.observer/filing/0001476840-23-000185.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476840/000147684023000185/0001476840-23-000185-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476840/000147684023000185/exfy-20231107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T09:11:33.998844+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}