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Side-by-side financial comparison of Expensify, Inc. (EXFY) and First Western Financial Inc (MYFW). Click either name above to swap in a different company.
Expensify, Inc. is the larger business by last-quarter revenue ($35.2M vs $27.5M, roughly 1.3× First Western Financial Inc). Over the past eight quarters, First Western Financial Inc's revenue compounded faster (10.0% 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 Western Union Company is an American multinational financial services corporation headquartered in Denver, Colorado.
EXFY vs MYFW — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $35.2M | $27.5M |
| Net Profit | — | — |
| Gross Margin | 49.2% | — |
| Operating Margin | -11.2% | — |
| Net Margin | — | — |
| Revenue YoY | -4.9% | — |
| Net Profit YoY | — | — |
| EPS (diluted) | $-0.07 | $0.63 |
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.
| Q1 26 | — | $27.5M | ||
| Q4 25 | $35.2M | $26.7M | ||
| Q3 25 | $35.1M | $26.3M | ||
| Q2 25 | $35.8M | $24.2M | ||
| Q1 25 | $36.1M | $24.8M | ||
| Q4 24 | $37.0M | $24.3M | ||
| Q3 24 | $35.4M | $22.5M | ||
| Q2 24 | $33.3M | $22.8M |
| Q1 26 | — | — | ||
| Q4 25 | — | $3.3M | ||
| Q3 25 | $-2.3M | $3.2M | ||
| Q2 25 | $-8.8M | $2.5M | ||
| Q1 25 | $-3.2M | $4.2M | ||
| Q4 24 | — | $2.7M | ||
| Q3 24 | $-2.2M | $2.1M | ||
| Q2 24 | $-2.8M | $1.1M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | -11.2% | 16.6% | ||
| Q3 25 | -6.4% | 15.1% | ||
| Q2 25 | -28.9% | 13.7% | ||
| Q1 25 | -4.1% | 21.6% | ||
| Q4 24 | 1.3% | 16.1% | ||
| Q3 24 | 0.8% | 11.9% | ||
| Q2 24 | 0.7% | 6.2% |
| Q1 26 | — | — | ||
| Q4 25 | — | 12.9% | ||
| Q3 25 | -6.6% | 12.1% | ||
| Q2 25 | -24.6% | 10.3% | ||
| Q1 25 | -8.8% | 16.9% | ||
| Q4 24 | — | 11.3% | ||
| Q3 24 | -6.2% | 9.5% | ||
| Q2 24 | -8.3% | 4.7% |
| Q1 26 | — | $0.63 | ||
| Q4 25 | $-0.07 | $0.33 | ||
| Q3 25 | $-0.03 | $0.32 | ||
| Q2 25 | $-0.10 | $0.26 | ||
| Q1 25 | $-0.03 | $0.43 | ||
| Q4 24 | $-0.03 | $0.28 | ||
| Q3 24 | $-0.02 | $0.22 | ||
| Q2 24 | $-0.03 | $0.11 |
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 | — | — |
| Stockholders' EquityBook value | $132.7M | $273.4M |
| Total Assets | $186.0M | $3.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — |
| Q1 26 | — | $273.4M | ||
| Q4 25 | $132.7M | $265.6M | ||
| Q3 25 | $135.7M | $261.5M | ||
| Q2 25 | $131.8M | $258.8M | ||
| Q1 25 | $134.7M | $256.6M | ||
| Q4 24 | $128.2M | $252.3M | ||
| Q3 24 | $119.9M | $248.8M | ||
| Q2 24 | $114.0M | $246.9M |
| Q1 26 | — | $3.2B | ||
| Q4 25 | $186.0M | $3.2B | ||
| Q3 25 | $186.8M | $3.2B | ||
| Q2 25 | $187.1M | $3.0B | ||
| Q1 25 | $189.2M | $2.9B | ||
| Q4 24 | $173.7M | $2.9B | ||
| Q3 24 | $176.2M | $2.9B | ||
| Q2 24 | $192.9M | $2.9B |
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | — | ||
| Q2 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 | — |
| 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.
| Q1 26 | — | — | ||
| Q4 25 | $2.2M | $-1.8M | ||
| Q3 25 | $4.2M | $10.0M | ||
| Q2 25 | $8.9M | $-9.1M | ||
| Q1 25 | $4.8M | $8.0M | ||
| Q4 24 | $7.4M | $606.0K | ||
| Q3 24 | $3.7M | $18.8M | ||
| Q2 24 | $9.3M | $-11.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $-5.8M | ||
| Q3 25 | — | $9.0M | ||
| Q2 25 | — | $-9.7M | ||
| Q1 25 | — | $7.0M | ||
| Q4 24 | — | $-607.0K | ||
| Q3 24 | — | $18.6M | ||
| Q2 24 | — | $-11.9M |
| Q1 26 | — | — | ||
| Q4 25 | — | -21.6% | ||
| Q3 25 | — | 34.1% | ||
| Q2 25 | — | -39.9% | ||
| Q1 25 | — | 28.1% | ||
| Q4 24 | — | -2.5% | ||
| Q3 24 | — | 82.3% | ||
| Q2 24 | — | -52.1% |
| Q1 26 | — | — | ||
| Q4 25 | — | 14.9% | ||
| Q3 25 | 0.0% | 4.1% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 4.2% | ||
| Q4 24 | 0.0% | 5.0% | ||
| Q3 24 | 0.0% | 1.3% | ||
| Q2 24 | 0.0% | 1.6% |
| Q1 26 | — | — | ||
| Q4 25 | — | -0.54× | ||
| Q3 25 | — | 3.15× | ||
| Q2 25 | — | -3.63× | ||
| Q1 25 | — | 1.91× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 8.83× | ||
| Q2 24 | — | -10.68× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
EXFY
Segment breakdown not available.
MYFW
| Net Interest Income | $20.9M | 76% |
| Noninterest Income | $6.7M | 24% |
