Automatic Data Processing Inc (ADP)vsExpensify Inc (EXFY)
ADP
Automatic Data Processing Inc
$273.37
+3.48%
TECHNOLOGY · Cap: $97.18B
EXFY
Expensify Inc
$1.80
+0.56%
TECHNOLOGY · Cap: $165.87M
Smart Verdict
WallStSmart Research — data-driven comparison
Automatic Data Processing Inc generates 15329% more annual revenue ($21.60B vs $140.00M). ADP leads profitability with a 20.1% profit margin vs -14.7%. ADP earns a higher WallStSmart Score of 66/100 (B-).
ADP
Strong Buy66
out of 100
Grade: B-
EXFY
Hold37
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-60.5%
Fair Value
$158.82
Current Price
$273.37
$114.55 premium
Margin of Safety
+67.8%
Fair Value
$3.95
Current Price
$1.80
$2.15 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 68 in profit
Strong operational efficiency at 30.2%
Large-cap with strong market position
Keeps 20 of every $100 in revenue as profit
Generating 2.0B in free cash flow
Reasonable price relative to book value
Earnings expanding 2755.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
Expensive relative to growth rate
Trading at 17.2x book value
Distress zone — elevated risk
Smaller company, higher risk/reward
Weak financial health signals
ROE of -15.0% — below average capital efficiency
Revenue declined 5.8%
Comparative Analysis Report
WallStSmart ResearchBull Case : ADP
The strongest argument for ADP centers on Return on Equity, Operating Margin, Market Cap. Profitability is solid with margins at 20.1% and operating margin at 30.2%.
Bull Case : EXFY
The strongest argument for EXFY centers on Price/Book, EPS Growth, Debt/Equity.
Bear Case : ADP
The primary concerns for ADP are PEG Ratio, Price/Book, Altman Z-Score.
Bear Case : EXFY
The primary concerns for EXFY are Market Cap, Piotroski F-Score, Return on Equity.
Key Dynamics to Monitor
ADP profiles as a mature stock while EXFY is a turnaround play — different risk/reward profiles.
EXFY carries more volatility with a beta of 1.69 — expect wider price swings.
ADP is growing revenue faster at 7.0% — sustainability is the question.
ADP generates stronger free cash flow (2.0B), providing more financial flexibility.
Bottom Line
ADP scores higher overall (66/100 vs 37/100), backed by strong 20.1% margins. EXFY offers better value entry with a 67.8% margin of safety. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Automatic Data Processing Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Automatic Data Processing, Inc. (ADP) is an American provider of human resources management software and services.
Expensify Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Expensify, Inc. provides a cloud-based expense management software platform for individuals, small businesses, and corporations in the United States and internationally. The company is headquartered in Portland, Oregon.
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