Expensify Inc vs ING Groep NV — how do they compare? Expensify Inc trades at $2.44 (market cap $208.82M), while ING Groep NV trades at $33.33 (market cap $93.76B). The key difference: ING Groep NV is far larger — about 449× Expensify Inc's market cap, and ING Groep NV pays a 3.95% 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 ING Groep NV for 93 Days on average.
| EXFY | ING | |
|---|---|---|
Market Cap | $208.82M | $93.76B |
Volume | 456,102 | 4,620,220 |
Sector | Technology | Financials |
52-Week High | $2.72 | $37.27 |
52-Week Low | $0.75 | $23.66 |
Typical Hold Time | 41 Days | 93 Days |
Enterprise Value | $148.44M | $236.48B |
Dividend Yield | — | 3.95% |
Signals from Pluang's Aura AI — not financial advice
Expensify (EXFY) trades at $2.37, up 4.41% with a neutral technical signal despite bullish moving averages. The company shows mixed fundamentals with a high P/E ratio of 258.82 but improving cash flow trends, with Q2 2026 earnings beating expectations. Recent news highlights strategic integrations with AI-native ERP platforms and European expansion of its corporate card offering, signaling growth initiatives.
The outlook remains speculative with analyst consensus bullish (50% buy ratings) and a $13.75 price target, but negative net income margins and competitive pressures pose risks. Investment opportunity hinges on successful execution of AI-driven products and international growth, while downside risks include sustained profitability challenges and market volatility.
ING stock trades at $33.92, down 2.81% today, with a bearish technical outlook despite recent earnings beats. The company shows strong profitability with 28.34% net income margin and 13.49% ROE, supported by management's raised ROE target above 16% for 2027. Recent news highlights strategic focus on organic growth and bolt-on acquisitions while maintaining capital discipline.
While analyst consensus remains strongly bullish with 65% buy ratings, negative cash flow trends and regulatory scrutiny in Australia present near-term risks. The stock's attractive valuation at 12.86 P/E offers potential upside if the company can execute on its growth strategy and improve cash generation.
Trailing returns across standard periods
What Pluang investors did over the last 30 days
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 →The merger of the Dutch postal bank and NN Insurance in 1991 created ING. Through a series of further acquisitions ING build up a global footprint. The 2008 financial crisis forced ING to seek government support--a precondition of which was that ING should separate its banking and insurance activities, which saw ING revert to being solely a bank. ING has market- leading banking operations in the Netherlands and Belgium, and a range of digital banks across Europe and Australia. Its global wholesale banking operation is primarily focused on lending.
Read more on ING →