Expensify Inc (EXFY)vsUber Technologies Inc (UBER)
EXFY
Expensify Inc
$1.18
+0.85%
TECHNOLOGY · Cap: $110.90M
UBER
Uber Technologies Inc
$72.21
-1.01%
TECHNOLOGY · Cap: $145.79B
Smart Verdict
WallStSmart Research — data-driven comparison
Uber Technologies Inc generates 38249% more annual revenue ($53.69B vs $140.00M). UBER leads profitability with a 15.9% profit margin vs -14.7%. UBER earns a higher WallStSmart Score of 54/100 (C-).
EXFY
Hold42
out of 100
Grade: D
UBER
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+56.4%
Fair Value
$2.91
Current Price
$1.18
$1.73 discount
Margin of Safety
+3.8%
Fair Value
$71.28
Current Price
$72.21
$0.93 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 2755.0% YoY
Conservative balance sheet, low leverage
Every $100 of equity generates 35 in profit
Large-cap with strong market position
Attractively priced relative to earnings
Generating 2.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
ROE of -15.0% — below average capital efficiency
Revenue declined 5.8%
Expensive relative to growth rate
Earnings declined 84.6%
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : EXFY
The strongest argument for EXFY centers on Price/Book, EPS Growth, Debt/Equity.
Bull Case : UBER
The strongest argument for UBER centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 15.9% and operating margin at 14.6%. Revenue growth of 14.5% demonstrates continued momentum.
Bear Case : EXFY
The primary concerns for EXFY are Market Cap, Piotroski F-Score, Return on Equity.
Bear Case : UBER
The primary concerns for UBER are PEG Ratio, EPS Growth, Altman Z-Score.
Key Dynamics to Monitor
EXFY profiles as a turnaround stock while UBER is a mature play — different risk/reward profiles.
EXFY carries more volatility with a beta of 1.80 — expect wider price swings.
UBER is growing revenue faster at 14.5% — sustainability is the question.
UBER generates stronger free cash flow (2.3B), providing more financial flexibility.
Bottom Line
UBER scores higher overall (54/100 vs 42/100), backed by strong 15.9% margins and 14.5% revenue growth. EXFY offers better value entry with a 56.4% margin of safety. Both earn "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.
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.
Uber Technologies Inc
TECHNOLOGY · SOFTWARE - APPLICATION · USA
Uber Technologies, Inc., commonly known as Uber, is an American technology company. Its services include ride-hailing, food delivery (Uber Eats), package delivery, couriers, freight transportation, and, through a partnership with Lime, electric bicycle and motorized scooter rental. The company is based in San Francisco, California.
Visit Website →Compare with Other SOFTWARE - APPLICATION Stocks
Want to dig deeper into these stocks?