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Side-by-side financial comparison of Expensify, Inc. (EXFY) and INVESTORS TITLE CO (ITIC). Click either name above to swap in a different company.
INVESTORS TITLE CO is the larger business by last-quarter revenue ($69.5M vs $35.2M, roughly 2.0× Expensify, Inc.). On growth, INVESTORS TITLE CO posted the faster year-over-year revenue change (-1.6% vs -4.9%). Over the past eight quarters, INVESTORS TITLE CO's revenue compounded faster (14.0% 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.
The Real Estate Title Insurance Company of Philadelphia was the world's first title insurance company.
EXFY vs ITIC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $69.5M |
| Net Profit | — | — |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | 13.8% |
| Net Margin | — | — |
| Revenue YoY | -4.9% | -1.6% |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.07 | $3.97 |
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 | $69.5M | ||
| Q3 25 | $35.1M | $73.0M | ||
| Q2 25 | $35.8M | $73.6M | ||
| Q1 25 | $36.1M | $56.6M | ||
| Q4 24 | $37.0M | $70.6M | ||
| Q3 24 | $35.4M | $68.8M | ||
| Q2 24 | $33.3M | $65.4M | ||
| Q1 24 | $33.5M | $53.5M |
| Q4 25 | — | — | ||
| Q3 25 | $-2.3M | $12.2M | ||
| Q2 25 | $-8.8M | $12.3M | ||
| Q1 25 | $-3.2M | $3.2M | ||
| Q4 24 | — | — | ||
| Q3 24 | $-2.2M | $9.3M | ||
| Q2 24 | $-2.8M | $8.9M | ||
| Q1 24 | $-3.8M | $4.5M |
| 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% | 13.8% | ||
| Q3 25 | -6.4% | 20.7% | ||
| Q2 25 | -28.9% | 21.5% | ||
| Q1 25 | -4.1% | 7.2% | ||
| Q4 24 | 1.3% | 15.3% | ||
| Q3 24 | 0.8% | 16.8% | ||
| Q2 24 | 0.7% | 17.2% | ||
| Q1 24 | -5.3% | 10.8% |
| Q4 25 | — | — | ||
| Q3 25 | -6.6% | 16.7% | ||
| Q2 25 | -24.6% | 16.7% | ||
| Q1 25 | -8.8% | 5.6% | ||
| Q4 24 | — | — | ||
| Q3 24 | -6.2% | 13.5% | ||
| Q2 24 | -8.3% | 13.6% | ||
| Q1 24 | -11.3% | 8.5% |
| Q4 25 | $-0.07 | $3.97 | ||
| Q3 25 | $-0.03 | $6.45 | ||
| Q2 25 | $-0.10 | $6.48 | ||
| Q1 25 | $-0.03 | $1.67 | ||
| Q4 24 | $-0.03 | $4.41 | ||
| Q3 24 | $-0.02 | $4.92 | ||
| Q2 24 | $-0.03 | $4.70 | ||
| Q1 24 | $-0.04 | $2.40 |
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 | $89.6M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $132.7M | $268.3M |
| Total Assets | $186.0M | $363.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.1M | $89.6M | ||
| Q3 25 | $61.5M | $110.8M | ||
| Q2 25 | $60.5M | $90.1M | ||
| Q1 25 | $59.6M | $81.7M | ||
| Q4 24 | $48.8M | $83.8M | ||
| Q3 24 | $39.2M | $112.9M | ||
| Q2 24 | $53.2M | $111.2M | ||
| Q1 24 | $49.3M | $135.0M |
| Q4 25 | $132.7M | $268.3M | ||
| Q3 25 | $135.7M | $278.0M | ||
| Q2 25 | $131.8M | $266.2M | ||
| Q1 25 | $134.7M | $254.4M | ||
| Q4 24 | $128.2M | $251.8M | ||
| Q3 24 | $119.9M | $271.3M | ||
| Q2 24 | $114.0M | $261.8M | ||
| Q1 24 | $106.5M | $254.0M |
| Q4 25 | $186.0M | $363.1M | ||
| Q3 25 | $186.8M | $363.3M | ||
| Q2 25 | $187.1M | $345.8M | ||
| Q1 25 | $189.2M | $333.8M | ||
| Q4 24 | $173.7M | $333.6M | ||
| Q3 24 | $176.2M | $352.0M | ||
| Q2 24 | $192.9M | $340.3M | ||
| Q1 24 | $184.8M | $329.5M |
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 | $30.9M |
| Free Cash FlowOCF − Capex | — | $25.4M |
| FCF MarginFCF / Revenue | — | 36.5% |
| Capex IntensityCapex / Revenue | — | 8.0% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $47.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.2M | $30.9M | ||
| Q3 25 | $4.2M | $17.2M | ||
| Q2 25 | $8.9M | $8.9M | ||
| Q1 25 | $4.8M | $-75.0K | ||
| Q4 24 | $7.4M | $29.8M | ||
| Q3 24 | $3.7M | $7.8M | ||
| Q2 24 | $9.3M | $8.4M | ||
| Q1 24 | $3.5M | $1.4M |
| Q4 25 | — | $25.4M | ||
| Q3 25 | — | $15.8M | ||
| Q2 25 | — | $7.3M | ||
| Q1 25 | — | $-1.4M | ||
| Q4 24 | — | $22.4M | ||
| Q3 24 | — | $6.1M | ||
| Q2 24 | — | $6.3M | ||
| Q1 24 | — | $-793.0K |
| Q4 25 | — | 36.5% | ||
| Q3 25 | — | 21.7% | ||
| Q2 25 | — | 9.9% | ||
| Q1 25 | — | -2.5% | ||
| Q4 24 | — | 31.7% | ||
| Q3 24 | — | 8.8% | ||
| Q2 24 | — | 9.7% | ||
| Q1 24 | — | -1.5% |
| Q4 25 | — | 8.0% | ||
| Q3 25 | 0.0% | 1.8% | ||
| Q2 25 | — | 2.1% | ||
| Q1 25 | — | 2.4% | ||
| Q4 24 | 0.0% | 10.5% | ||
| Q3 24 | 0.0% | 2.5% | ||
| Q2 24 | 0.0% | 3.2% | ||
| Q1 24 | 0.0% | 4.2% |
| Q4 25 | — | — | ||
| Q3 25 | — | 1.40× | ||
| Q2 25 | — | 0.72× | ||
| Q1 25 | — | -0.02× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.84× | ||
| Q2 24 | — | 0.95× | ||
| Q1 24 | — | 0.32× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
