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Side-by-side financial comparison of Expensify, Inc. (EXFY) and Investar Holding Corp (ISTR). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $23.5M, roughly 1.5× Investar Holding Corp). On growth, Investar Holding Corp posted the faster year-over-year revenue change (0.9% vs -4.9%). Over the past eight quarters, Investar Holding Corp's revenue compounded faster (4.9% 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.
Investar Holding Corp is a U.S.-headquartered bank holding company that primarily operates across the Gulf Coast region. It delivers a full range of commercial and retail banking services, including deposit products, consumer and business loans, mortgage services, and wealth management solutions for individual clients, small and medium-sized enterprises, and commercial entities.
EXFY vs ISTR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $23.5M |
| Net Profit | — | — |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 30.9% |
| Net Margin | — | — |
| Revenue YoY | -4.9% | 0.9% |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.07 | $0.50 |
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 | $23.5M | ||
| Q3 25 | $35.1M | $24.1M | ||
| Q2 25 | $35.8M | $22.3M | ||
| Q1 25 | $36.1M | $24.0M | ||
| Q4 24 | $37.0M | $23.3M | ||
| Q3 24 | $35.4M | $22.3M | ||
| Q2 24 | $33.3M | $20.4M | ||
| Q1 24 | $33.5M | $21.4M |
| Q4 25 | — | — | ||
| Q3 25 | $-2.3M | $6.2M | ||
| Q2 25 | $-8.8M | $4.5M | ||
| Q1 25 | $-3.2M | $6.3M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-2.2M | $5.4M | ||
| Q2 24 | $-2.8M | $4.1M | ||
| Q1 24 | $-3.8M | $4.7M |
| 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% | 30.9% | ||
| Q3 25 | -6.4% | 31.0% | ||
| Q2 25 | -28.9% | 24.4% | ||
| Q1 25 | -4.1% | 32.2% | ||
| Q4 24 | 1.3% | 31.1% | ||
| Q3 24 | 0.8% | 27.6% | ||
| Q2 24 | 0.7% | 24.0% | ||
| Q1 24 | -5.3% | 28.5% |
| Q4 25 | — | — | ||
| Q3 25 | -6.6% | 25.6% | ||
| Q2 25 | -24.6% | 20.2% | ||
| Q1 25 | -8.8% | 26.3% | ||
| Q4 24 | — | — | ||
| Q3 24 | -6.2% | 24.1% | ||
| Q2 24 | -8.3% | 19.9% | ||
| Q1 24 | -11.3% | 22.0% |
| Q4 25 | $-0.07 | $0.50 | ||
| Q3 25 | $-0.03 | $0.54 | ||
| Q2 25 | $-0.10 | $0.46 | ||
| Q1 25 | $-0.03 | $0.63 | ||
| Q4 24 | $-0.03 | $0.61 | ||
| Q3 24 | $-0.02 | $0.54 | ||
| Q2 24 | $-0.03 | $0.41 | ||
| Q1 24 | $-0.04 | $0.48 |
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 | — |
| Total DebtLower is stronger | — | $9.8M |
| Stockholders' EquityBook value | $132.7M | $301.1M |
| Total Assets | $186.0M | $2.8B |
| Debt / EquityLower = less leverage | — | 0.03× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | — | ||
| Q3 25 | $61.5M | — | ||
| Q2 25 | $60.5M | — | ||
| Q1 25 | $59.6M | — | ||
| Q4 24 | $48.8M | — | ||
| Q3 24 | $39.2M | — | ||
| Q2 24 | $53.2M | — | ||
| Q1 24 | $49.3M | — |
| Q4 25 | — | $9.8M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $9.8M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $132.7M | $301.1M | ||
| Q3 25 | $135.7M | $295.3M | ||
| Q2 25 | $131.8M | $255.9M | ||
| Q1 25 | $134.7M | $251.7M | ||
| Q4 24 | $128.2M | $241.3M | ||
| Q3 24 | $119.9M | $245.5M | ||
| Q2 24 | $114.0M | $230.2M | ||
| Q1 24 | $106.5M | $227.0M |
| Q4 25 | $186.0M | $2.8B | ||
| Q3 25 | $186.8M | $2.8B | ||
| Q2 25 | $187.1M | $2.7B | ||
| Q1 25 | $189.2M | $2.7B | ||
| Q4 24 | $173.7M | $2.7B | ||
| Q3 24 | $176.2M | $2.8B | ||
| Q2 24 | $192.9M | $2.8B | ||
| Q1 24 | $184.8M | $2.8B |
| Q4 25 | — | 0.03× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.04× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $18.2M |
| Free Cash FlowOCF − Capex | — | — |
| FCF MarginFCF / Revenue | — | — |
| Capex IntensityCapex / Revenue | — | — |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $18.2M | ||
| Q3 25 | $4.2M | $6.9M | ||
| Q2 25 | $8.9M | $3.2M | ||
| Q1 25 | $4.8M | $4.5M | ||
| Q4 24 | $7.4M | $15.9M | ||
| Q3 24 | $3.7M | $5.6M | ||
| Q2 24 | $9.3M | $2.8M | ||
| Q1 24 | $3.5M | $7.8M |
| 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 | — | — | ||
| Q3 25 | — | 1.12× | ||
| Q2 25 | — | 0.71× | ||
| Q1 25 | — | 0.71× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 0.70× | ||
| Q1 24 | — | 1.66× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
