Expensify Inc

For the period ended Dec 31, 2024. Filed Feb 27, 2025.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2024 · Filed Feb 27, 2025

EXFY$1.72-7.0%Stored close · as of Nov 10, 2026

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Contents

Item 15. Exhibit and Financial Statement Schedules

(a) The following documents are refiled as part of this report:

Financial Statements

See Index to Financial Statements in Item 8 of this report.

Financial Statement Schedules

All financial statement schedules have been omitted as the information is not required under the related instructions or is not applicable or because the information required is already included in the financial statements or the notes to those financial statements.

Exhibits

The documents set forth below are filed herewith or incorporated herein by reference to the location indicated.

Incorporated by Reference
Exhibit No.	Name	Form	File No.	Exhibit	Filing Date
3.1	Amended and Restated Certificate of Incorporation of the Registrant.	10-Q	001-41043	3.1	November 8 ,2024
3.2	Amended and Restated Bylaws of the Registrant.	8-K	001-41043	3.2	November 15, 2021
4.1	Form of Class A Common Stock Certificate.	S-1/A	333-260297	4.1	November 01, 2021
4.2	Amended and Restated Investors’ Rights Agreement, dated as of January 22, 2015, by and among the Registrant and certain of its stockholders.	S-1/A	333-260297	4.2	October 18, 2021
4.3*	Description of Registrant's Securities.
9.1	Expensify Voting Trust Agreement	10-K	001-41043	9.1	March 31, 2022
10.1*	Second Amended and Restated Loan and Security Agreement, dated as of February 21, 2024, by and between the Registrant, the Lenders party thereto, and Canadian Imperial Bank of Commerce.
10.2	First Amendment to the Second Amended and Restated Loan and Security Agreement, dated as of May 7, 2024, by and among the Registrant, the Lenders party thereto and Canadian Imperial Bank of Commerce.	10-Q	001-41043	10.2	May 9, 2024
10.3	Second Amendment to the Second Amended and Restated Loan and Security Agreement, dated as of August 28, 2024, by and among the Registrant, the Lenders party thereto and Canadian Imperial Bank of Commerce.	10-Q	001-41043	10.1	November 8 ,2024

10.4* · Third Amendment to the Second Amended and Restated Loan and Security Agreement, dated as of February 13, 2025, by and among the Registrant, the Lenders party thereto and Canadian Imperial Bank of Commerce.
10.5†	Employment Agreement by and between the Registrant and David Barrett.	S-1/A	333-260297	10.3	October 18, 2021
10.6†	Employment Agreement by and between the Registrant and Ryan Schaffer.	S-1/A	333-260297	10.4	October 18, 2021
10.7†	Employment Agreement by and between the Registrant and Anuradha Muralidharan.	S-1/A	333-260297	10.5	October 18, 2021
10.8†	2009 Stock Plan	S-1/A	333-260297	10.6	November 01, 2021
10.9†	2009 Stock Plan – Form of Notice of Stock Option Grant (EMI)	S-1/A	333-260297	10.7	November 01, 2021
10.10†	2009 Stock Plan – Form of Option Agreement	S-1/A	333-260297	10.8	November 01, 2021
10.11†	2019 Stock Plan	S-1/A	333-260297	10.9	November 01, 2021
10.12†	2019 Stock Plan – Form of Early Exercise Notice and Restricted Stock Purchase Agreement	S-1/A	333-260297	10.10	November 01, 2021
10.13†	2019 Stock Plan – Form of Exercise Agreement (EMI)	S-1/A	333-260297	10.11	November 01, 2021
10.14†	2019 Stock Plan – Form of Exercise Agreement	S-1/A	333-260297	10.12	November 01, 2021
10.15†	2019 Stock Plan – Form of Option Agreement (early exercise) (Reg S)	S-1/A	333-260297	10.13	November 01, 2021
10.16†	2019 Stock Plan – Form of Option Agreement (early exercise)	S-1/A	333-260297	10.14	November 01, 2021
10.17†	2019 Stock Plan – Form of Notice of Stock Option Grant (EMI)	S-1/A	333-260297	10.15	November 01, 2021
10.18†	2019 Stock Plan - Form of Contingent Exercise Agreement	S-1/A	333-260297	10.16	November 01, 2021
10.19†	2019 Plan - Form of RSU Agreement	S-1/A	333-260297	10.17	November 01, 2021
10.20†	2021 Incentive Award Plan	S-1/A	333-260297	10.18	November 01, 2021
10.21†	2021 Plan - Form of RSU Agreement	S-1/A	333-260297	10.20	November 01, 2021
10.22†	2021 Plan - Form of Option Agreement	S-1/A	333-260297	10.21	November 01, 2021
10.23†	2021 Stock Purchase and Matching Plan	10-K	001-41043	10.19	March 31, 2022
10.24†	Non-Employee Director Compensation Program	S-1/A	333-260297	10.22	November 01, 2021

10.25†	Form of Indemnification Agreement for Directors and Officers	S-1/A	333-260297	10.23	November 01, 2021
19.1*	Insider Trading Policy
21.1*	List of Subsidiaries of the Registrant.
23.1*	Consent of Ernst & Young LLP as to the Registrant.
31.1*	Certification of the Principal Executive Officer, pursuant to Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934, as amended, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
31.2*	Certification of the Principal Financial Officer, pursuant to Rules 13a-14(a) and 15d-14(a) under the Securities Exchange Act of 1934, as amended, as adopted pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
32.1**	Certification of the Principal Executive Officer, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
32.2**	Certification of the Principal Financial Officer, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
97.1	Expensify, Inc. Policy for Recovery of Erroneously Awarded Compensation	10-K	001-41043	97.1	February 26, 2024
101.INS*	Inline XBRL Instance Document.
101.SCH*	Inline XBRL Taxonomy Extension Schema Document.
101.CAL*	Inline XBRL Taxonomy Extension Calculation Linkbase Document.
101.DEF*	Inline XBRL Taxonomy Extension Definition Linkbase Document.
101.PRE*	Inline XBRL Taxonomy Extension Presentation Linkable Document.
104*	Cover Page Interactive Data File (embedded within the Inline XBRL document).

*	Filed herewith.
†	Indicates a management contract or compensatory plan or arrangement.
**	Furnished herewith. The certifications attached as Exhibits 32.1 and 32.2 that accompany this Annual Report on Form 10-K are deemed furnished and not filed with the SEC and are not to be incorporated by reference into any filing of the Company under the Securities Act or the Exchange Act, whether made before or after the date of this Annual Report on Form 10-K, irrespective of any general incorporation language contained in such filing.

ContentsView on SEC.gov

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