Expensify Inc vs Toronto-Dominion Bank — how do they compare? Expensify Inc trades at $1.78 (market cap $170.21M), while Toronto-Dominion Bank trades at $123.62 (market cap $203.96B). The key difference: Toronto-Dominion Bank is far larger — about 1198.3× Expensify Inc's market cap, and Toronto-Dominion Bank pays a 2.53% dividend while Expensify Inc pays none. Which is the better fit depends on your goals.
| EXFY | TD | |
|---|---|---|
Market Cap | $170.21M | $203.96B |
Sector | Technology | Financials |
52-Week High | $2.33 | $124.80 |
52-Week Low | $0.75 | $72.55 |
Enterprise Value | $109.24M | — |
Dividend Yield | — | 2.53% |
Signals from Pluang's Aura AI — not financial advice
Expensify (EXFY) trades at $1.77, down 2.21% on the day, with a bullish technical signal from moving averages but mixed earnings history. Revenue for 2025 was $142.10M, but the company posted a net loss of -$21.39M, with negative profit margins and ROE. Recent news highlights product innovations like AI-powered expense automation and a $25M stock buyback program, indicating active management efforts to drive growth and shareholder value.
The outlook remains challenging due to persistent unprofitability, though positive cash flow from operations and strategic partnerships offer some stability. Investment opportunities hinge on successful execution of new AI and travel billing initiatives to improve margins. Key risks include intense competition in expense management software and the company's ability to achieve sustained profitability amid fluctuating revenues.
TD trades at $123.51, up 0.51% today, with a bullish technical signal from moving averages and a consensus analyst price target of $153.00. Recent quarterly earnings have consistently beaten expectations, with Q1 2026 EPS of $1.74 surpassing the $1.63 estimate. Revenue grew to $61.28 billion in 2025, and the company maintains a strong net income margin of 23.38%. A dividend of $1.12 per share is scheduled for payment on July 31, 2026.
The outlook for TD is positive, supported by earnings momentum and analyst confidence, though risks include volatile cash flows from operations and rising debt levels. The stock's current valuation at a P/E of 20.8 appears reasonable relative to growth, positioning it as a candidate for long-term dividend growth despite near-term overbought technical conditions.
Trailing returns across standard periods
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 →Toronto-Dominion is one of Canada's two largest banks and operates three business segments: Canadian retail banking, U.S. retail banking, and wholesale banking. The bank's U.S. operations span from Maine to Florida, with a strong presence in the Northeast. It also has a 13% ownership stake in Charles Schwab.
Read more on TD →