Expensify Inc vs Toast Inc. Class A Common Stock — how do they compare? Expensify Inc trades at $2.44 (market cap $223.41M), while Toast Inc. Class A Common Stock trades at $30.02 (market cap $17.25B). The key difference: Toast Inc. Class A Common Stock is far larger — about 77.2× Expensify Inc's market cap, and Expensify Inc is trading nearer its 52-week high, Toast Inc. Class A Common Stock nearer its low. Which is the better fit depends on your goals — on Pluang, investors hold Expensify Inc for 41 Days and Toast Inc. Class A Common Stock for 0 Days on average.
| EXFY | TOST | |
|---|---|---|
Market Cap | $223.41M | $17.25B |
Volume | 450,483 | 10,274,535 |
Sector | Technology | Technology |
52-Week High | $2.72 | $39.02 |
52-Week Low | $0.75 | $22.33 |
Typical Hold Time | 41 Days | 0 Days |
Enterprise Value | $163.03M | $15.50B |
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.
Toast (TOST) trades at $30.89, down 1.37% on the day, with neutral technical indicators showing support at $30 and resistance at $32. The company demonstrates strong fundamental performance with 23% revenue growth in Q2 2026 to $1.91B and expanding profit margins, though valuation metrics remain elevated with a P/E of 39.1. Recent expansion into convenience stores with Toast Fuel and AI-driven product enhancements signal continued growth initiatives.
The outlook remains positive with 61.8% analyst buy ratings and a $38.22 consensus price target representing 24% upside potential. Key risks include execution challenges in new market segments and competitive pressures in the restaurant technology space, while strong earnings beats and institutional support provide confidence in the growth trajectory.
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Latest headlines on both assets
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 →Toast Inc. provides a cloud-based technology platform for the restaurant industry, combining point-of-sale hardware and software with payment processing, online ordering, payroll, and supplier management tools. The platform serves restaurants ranging from single locations to multi-unit groups across US.
Read more on TOST →