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Side-by-side financial comparison of Expensify, Inc. (EXFY) and FRANKLIN FINANCIAL SERVICES CORP (FRAF). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $23.3M, roughly 1.5× FRANKLIN FINANCIAL SERVICES CORP). On growth, FRANKLIN FINANCIAL SERVICES CORP posted the faster year-over-year revenue change (51.5% vs -4.9%). Over the past eight quarters, FRANKLIN FINANCIAL SERVICES CORP's revenue compounded faster (14.6% CAGR vs 2.4%).
Expensify, Inc. is a software company that develops an expense management system for personal and business use. Expensify also offers a business credit card called the Expensify Card.
Franklin Financial Services Corp (Pennsylvania) is a U.S. regional bank holding company primarily operating across Pennsylvania. It provides comprehensive retail and commercial banking services, including deposit products, personal and business loans, mortgage financing, and wealth management solutions for individual consumers, small local businesses and regional institutional clients.
EXFY vs FRAF — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $23.3M |
| Net Profit | — | $6.0M |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 32.1% |
| Net Margin | — | 25.9% |
| Revenue YoY | -4.9% | 51.5% |
| Net Profit YoY | — | 1140.7% |
| EPS (diluted) | $-0.07 | $1.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $35.2M | $23.3M | ||
| Q3 25 | $35.1M | $23.0M | ||
| Q2 25 | $35.8M | $22.3M | ||
| Q1 25 | $36.1M | $20.2M | ||
| Q4 24 | $37.0M | $15.4M | ||
| Q3 24 | $35.4M | $19.5M | ||
| Q2 24 | $33.3M | $18.6M | ||
| Q1 24 | $33.5M | $17.7M |
| Q4 25 | — | $6.0M | ||
| Q3 25 | $-2.3M | $5.4M | ||
| Q2 25 | $-8.8M | $5.9M | ||
| Q1 25 | $-3.2M | $3.9M | ||
| Q4 24 | — | $487.0K | ||
| Q3 24 | $-2.2M | $4.2M | ||
| Q2 24 | $-2.8M | $3.0M | ||
| Q1 24 | $-3.8M | $3.4M |
| Q4 25 | 49.2% | — | ||
| Q3 25 | 49.6% | — | ||
| Q2 25 | 51.9% | — | ||
| Q1 25 | 50.6% | — | ||
| Q4 24 | 51.0% | — | ||
| Q3 24 | 51.6% | — | ||
| Q2 24 | 56.9% | — | ||
| Q1 24 | 56.5% | — |
| Q4 25 | -11.2% | 32.1% | ||
| Q3 25 | -6.4% | 28.9% | ||
| Q2 25 | -28.9% | 32.8% | ||
| Q1 25 | -4.1% | 23.9% | ||
| Q4 24 | 1.3% | 3.4% | ||
| Q3 24 | 0.8% | 26.2% | ||
| Q2 24 | 0.7% | 19.8% | ||
| Q1 24 | -5.3% | 22.6% |
| Q4 25 | — | 25.9% | ||
| Q3 25 | -6.6% | 23.3% | ||
| Q2 25 | -24.6% | 26.4% | ||
| Q1 25 | -8.8% | 19.4% | ||
| Q4 24 | — | 3.2% | ||
| Q3 24 | -6.2% | 21.6% | ||
| Q2 24 | -8.3% | 16.3% | ||
| Q1 24 | -11.3% | 18.9% |
| Q4 25 | $-0.07 | $1.35 | ||
| Q3 25 | $-0.03 | $1.19 | ||
| Q2 25 | $-0.10 | $1.32 | ||
| Q1 25 | $-0.03 | $0.88 | ||
| Q4 24 | $-0.03 | $0.13 | ||
| Q3 24 | $-0.02 | $0.95 | ||
| Q2 24 | $-0.03 | $0.66 | ||
| Q1 24 | $-0.04 | $0.77 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.1M | $127.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $175.2M |
| Total Assets | $186.0M | $2.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $127.7M | ||
| Q3 25 | $61.5M | $188.1M | ||
| Q2 25 | $60.5M | $207.8M | ||
| Q1 25 | $59.6M | $225.0M | ||
| Q4 24 | $48.8M | $203.6M | ||
| Q3 24 | $39.2M | $236.3M | ||
| Q2 24 | $53.2M | $179.7M | ||
| Q1 24 | $49.3M | $182.6M |
| Q4 25 | $132.7M | $175.2M | ||
| Q3 25 | $135.7M | $166.3M | ||
| Q2 25 | $131.8M | $157.4M | ||
| Q1 25 | $134.7M | $151.4M | ||
| Q4 24 | $128.2M | $144.7M | ||
| Q3 24 | $119.9M | $149.9M | ||
| Q2 24 | $114.0M | $136.8M | ||
| Q1 24 | $106.5M | $134.2M |
| Q4 25 | $186.0M | $2.2B | ||
| Q3 25 | $186.8M | $2.3B | ||
| Q2 25 | $187.1M | $2.3B | ||
| Q1 25 | $189.2M | $2.3B | ||
| Q4 24 | $173.7M | $2.2B | ||
| Q3 24 | $176.2M | $2.2B | ||
| Q2 24 | $192.9M | $2.0B | ||
| Q1 24 | $184.8M | $2.0B |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $2.2M | $25.4M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | 4.21× |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $25.4M | ||
| Q3 25 | $4.2M | $8.3M | ||
| Q2 25 | $8.9M | $5.1M | ||
| Q1 25 | $4.8M | $8.8M | ||
| Q4 24 | $7.4M | $21.8M | ||
| Q3 24 | $3.7M | $7.8M | ||
| Q2 24 | $9.3M | $2.4M | ||
| Q1 24 | $3.5M | $7.3M |
| Q4 25 | — | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.0% | — | ||
| Q1 24 | 0.0% | — |
| Q4 25 | — | 4.21× | ||
| Q3 25 | — | 1.55× | ||
| Q2 25 | — | 0.87× | ||
| Q1 25 | — | 2.25× | ||
| Q4 24 | — | 44.67× | ||
| Q3 24 | — | 1.85× | ||
| Q2 24 | — | 0.80× | ||
| Q1 24 | — | 2.17× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
