UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 EXPENSIFY, INC. (Exact name of registrant as specified in its charter) FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For transition period from to Commission File Number 001-41043 Delaware 27-0239450 (State or other jurisdiction of incorporation or or ...

Table of Contents ___________________________________ ___________________________________ Title of each class Trading Symbol(s) Name of each exchange on which registered Class A common stock EXFY The Nasdaq Stock Market LLC UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ___________________________________ (Mark One) x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR o TRANSITION REP ...

Expensify, Inc. (NASDAQ:EXFY) Q3 2021 Results Conference Call December 16, 2021 5:00 PM ET Company Participants David Barrett - Founder and CEO Anuradha Muralidharan - COO Ryan Schaffer - CFO Conference Call Participants Sterling Auty - J.P. Morgan Tyler Radke - Citi Koji Ikeda - Bank of America Brent Bracelin - Piper Sandler Pat Walravens - JMP Securities Yun Kim - Loop Capital Anuradha Muralidharan [Call Starts Abruptly] And during the course of this call, management may make forward-looking statements wi ...