{"schema_version":"secwatch.filing_event.v1","accession":"0001476840-24-000213","form_type":"8-K","ticker":"EXFY","cik":"0001476840","company_name":"Expensify, Inc.","filed_at":"2024-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.544048+00:00","generated_at":"2026-05-30T03:27:55.087404+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Expensify Q3 revenue down 3% to $35.4M, net loss narrows to $2.2M, raises FY FCF guide to $19-20M","bullets":["Revenue $35.4M (-3% YoY); net loss $2.2M vs $17.0M last year; Non-GAAP net income $5.4M.","Free cash flow $6.7M in Q3; FY 2024 FCF guidance raised to $19.0-$20.0M from $15-16M.","Interchange from Expensify Card grew 48% YoY to $4.6M; 94% of card spend migrated to new program.","Paid members 684,000 (-5% YoY); Expensify Travel beta expanded to mid-market customers.","Adjusted EBITDA $9.7M; CEO highlights stable core business and efficiency gains."],"urls":{"canonical":"https://secwatch.observer/filing/0001476840-24-000213","json":"https://secwatch.observer/filing/0001476840-24-000213.json","markdown":"https://secwatch.observer/filing/0001476840-24-000213.md","text":"https://secwatch.observer/filing/0001476840-24-000213.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1476840/000147684024000213/0001476840-24-000213-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1476840/000147684024000213/exfy-20241107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T03:27:55.087404+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"}