Expensify Inc vs F.N.B. Corporation Common Stock — how do they compare? Expensify Inc trades at $2.44 (market cap $223.41M), while F.N.B. Corporation Common Stock trades at $16.96 (market cap $6.03B). The key difference: F.N.B. Corporation Common Stock is far larger — about 27× Expensify Inc's market cap, and F.N.B. Corporation Common Stock pays a 3.07% dividend while Expensify Inc pays none. Which is the better fit depends on your goals — on Pluang, investors hold Expensify Inc for 41 Days and F.N.B. Corporation Common Stock for 0 Days on average.
| EXFY | FNB | |
|---|---|---|
Market Cap | $223.41M | $6.03B |
Volume | 450,483 | 7,117,178 |
Sector | Technology | Financials |
52-Week High | $2.72 | $19.49 |
52-Week Low | $0.75 | $14.65 |
Typical Hold Time | 41 Days | 0 Days |
Enterprise Value | $163.03M | $10.52B |
Dividend Yield | — | 3.07% |
Signals from Pluang's Aura AI — not financial advice
Expensify (EXFY) trades at $2.44, showing stability with no recent price movement. The stock exhibits a bullish technical signal with strong moving average support, though oscillators remain neutral. Fundamentally, the company maintains a 48.7% gross margin but reports negative net income margins and ROE. Recent quarterly earnings show mixed results with two beats and one miss. Analyst sentiment is positive with a 50% buy rating and $13.75 consensus price target, representing significant upside potential from current levels.
The outlook remains cautiously optimistic as Expensify expands its AI-native integrations and European card offerings, though profitability challenges and competitive pressures persist. Key opportunities include the company's strategic shift toward AI solutions and international expansion, while risks center on achieving sustainable profitability and managing the transition from legacy products.
FNB trades at $17.05, down 0.76% on the day, with a neutral technical signal. The stock shows solid fundamentals with a P/E of 10.15 and P/B of 0.89, indicating potential undervaluation. Recent earnings have been mixed, with Q2 2026 beating estimates but Q1 missing. Revenue remains stable at $1.77 billion for 2025, with a strong net income margin of 33.04%. Analyst sentiment is positive, with 13 buy ratings and a consensus price target of $20.80.
The outlook for FNB is cautiously optimistic, supported by strong profitability and a favorable analyst consensus. Key opportunities include potential upside to the price target and consistent dividend payments. Risks involve earnings volatility, as seen in recent quarters, and competitive pressures in the banking sector. Investors should weigh the attractive valuation against execution risks and market conditions.
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Expensify Inc is a cloud-based expense management software platform that helps the smallest to the largest businesses simplify the way they manage money. More than 10 million people use Expensify's free features, which include corporate cards, expense tracking, next-day reimbursement, invoicing, bill pay, and travel booking in one app.
Read more on EXFY →F.N.B. Corporation is a diversified financial services holding company headquartered in Pittsburgh, Pennsylvania, operating through its lead subsidiary, First National Bank of Pennsylvania. It provides commercial banking, consumer banking, wealth management, and insurance through more than 350 banking offices across seven states and Washington, D.C.
Read more on FNB →