---
schema_version: "secwatch.filing_event.v1"
accession: "0001476840-25-000139"
form_type: "8-K"
ticker: "EXFY"
cik: "0001476840"
company_name: "Expensify, Inc."
filed_at: "2025-11-06T23:59:59+00:00"
generated_at: "2026-05-16T23:37:22.695780+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Expensify Q3 2025 revenue $35.1M (-1% YoY); net loss $2.3M; interchange up 18%

## Summary
- Revenue $35.1M (-1% YoY); net loss $2.3M vs $2.2M YoY; non-GAAP net income $4.3M.
- Expensify Card interchange $5.4M (+18% YoY); Travel bookings up 36% QoQ.
- Paid members 642,000 (-6% YoY); reaffirms FY'25 FCF guidance $19M-$23M.
- Repurchased 1.58M shares for ~$3.0M; named Official T&E partner of Brooklyn Nets.
- Launched Concierge AI, Hybrid Multi-Modal Contextual Expense Agent.

## SEC filing metadata
- accession: 0001476840-25-000139
- form_type: 8-K
- ticker: EXFY
- cik: 0001476840
- company_name: Expensify, Inc.
- filed_at: 2025-11-06T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1476840/000147684025000139/0001476840-25-000139-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1476840/000147684025000139/exfy-20251106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001476840-25-000139
- JSON: https://secwatch.observer/filing/0001476840-25-000139.json
- Plain text: https://secwatch.observer/filing/0001476840-25-000139.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.