[HN Gopher] Expensify S-1
       ___________________________________________________________________
        
       Expensify S-1
        
       Author : mattmarcus
       Score  : 78 points
       Date   : 2021-10-18 18:36 UTC (4 hours ago)
        
 (HTM) web link (www.sec.gov)
 (TXT) w3m dump (www.sec.gov)
        
       | zht wrote:
       | I still remember when "reimburse me in bitcoin" was an option in
       | the early days.
       | 
       | Quite the interesting company
        
         | nemo44x wrote:
         | I still have the bitcoin from that era! They created a Coinbase
         | account for you I think. Regardless, I still have access to it.
         | Was the best expense report I ever filed!
        
       | bgorman wrote:
       | Expensify's CEO sent a letter to every single person Expensify
       | had an email for, even simple ground floor employees who just use
       | the software to submit expenses an email prior to the 2020
       | presidential election.
       | 
       | The CEO sent a long diatribe about how the election of Donald
       | Trump would be the end of democracy as we know it, and it is
       | imperative that Joe Biden is elected.
       | 
       | I will never give this company a single cent after that stunt.
        
         | NikolaNovak wrote:
         | I feel that means the email did exactly what it was supposed
         | to:
         | 
         | - Encourage those that agree with it - Inform those who
         | disagree or are uncertain/unfamiliar - Provide honest, clear
         | message on what they stand for and priorities
         | 
         | Assuming they aren't surprised / are willing to bear
         | consequences for their actions (both positive and negative),
         | that's great. That's small-business mentality - openness with
         | clients, making a stance, standing for more than just profit.
         | Compare that with typical corporate communication which has
         | such low informational density content it's worse than useless,
         | and I miss it. And again, I say that on any given side of an
         | issue (whether I disagree or disagree; and hopefully there's
         | more than such a limited binary choice). If you CARE about it,
         | don't hide it and pretend otherwise - Just makes discussions
         | and decisions and life more onerous/hypocritical/annoying.
        
         | ygjb wrote:
         | Why?
         | 
         | Is it because you disagree with the political leanings of the
         | CEO?
         | 
         | Is it because you don't think that corporations should express
         | political biases?
         | 
         | If so, do you maintain a list of companies that you won't do
         | business with based on corporate donations?
         | 
         | Is it because you disagree with a founder or CEO using the
         | platform that their company provides them to amplify their
         | voice?
         | 
         | Your comment is a condemnation of the action of the CEO without
         | any specific concern raised about the action taken, and leaves
         | one to conclude that you are a Trump supporter. That is also
         | fine - the whole point of democracy is to allow people to
         | choose who they vote for.
        
           | epistasis wrote:
           | If the email had been in support of Trump, I would feel
           | similarly about not wanting to do business with Expensify, so
           | I can sort of see where OP is coming from. I would feel much
           | less strongly, but also have a distaste in my mouth, if the
           | CEO emailed in support of Romney or McCain during those
           | elections.
           | 
           | Political advocacy can complicate business relations, and its
           | best for everybody to realize that. Which isn't to say that
           | one should avoid political advocacy, just that the costs
           | should be evaluated before deciding to do it or to not do it.
        
             | ygjb wrote:
             | > Which isn't to say that one should avoid political
             | advocacy, just that the costs should be evaluated before
             | deciding to do it or to not do it.
             | 
             | It is pretty clear that the decision to write the email was
             | written with business impacts in mind. Two of the longer
             | paragraphs are essentially business justifications for why
             | he wrote the email.
        
           | missedthecue wrote:
           | If I give an organisation my personal data (contact
           | information), and they use it to tell me their personal
           | political opinions, no matter how valid, I would not
           | appreciate that.
        
         | skeeter2020 wrote:
         | What default-opt-it dark pattern did they employ to get people
         | to agree to that sort of contact?
        
         | sushid wrote:
         | I feel like HN users reflexively downvoted this comment but it
         | does have merit. Personally, I'm no supporter or Trump or his
         | right-wing viewpoints but even I felt slightly uncomfortable
         | with the CEO's decision to send such an email.
        
         | paxys wrote:
         | If you want to only use services where the company or its
         | employees are not pushing any political agenda, I have some bad
         | news for you.
        
         | 999900000999 wrote:
         | I lean left and this is still disgusting. Not everyone needs to
         | agree with everyone. This seems like something an intern would
         | do.
        
         | purple_ferret wrote:
         | Yes, I MUCH rather they try to swing elections by depositing
         | large sums of cash into candidates' pockets
        
         | bastardoperator wrote:
         | Considering Trump supporters at the Capitol tried and failed to
         | end democracy on Jan 6th, was it a really a stunt or was he
         | 100% correct in his assessment?
        
           | missedthecue wrote:
           | Being correct doesn't retroactively make misuse of customer's
           | personal data OK
        
           | mynameishere wrote:
           | They were actually protesting what they thought was a stolen
           | election, ie, the "end of democracy". See how we're all on
           | the same side rhetorically? We all want democracy.
        
         | missedthecue wrote:
         | It even went to foreign customers. Pretty gross misuse of
         | customer data in my view.
        
         | Spivak wrote:
         | Penzeys Spices is also really well-known political activism and
         | it seems to be working for them -- it's just part of their
         | brand now to get emails from an impassioned CEO who really
         | really hated Trump and willing to put his money where his mouth
         | is to the tune of almost a million dollars last election.
         | 
         | So many people vowed to boycott them but it never really came
         | to anything and they made a nice profit off of trolling Trump
         | supporters.
        
         | cityzen wrote:
         | i mean... was he wrong?
        
         | twostorytower wrote:
         | The way I try to put my views aside when thinking about how I
         | feel about this is "if a CEO with the opposite political view
         | did this, how would I feel?" and it's very clear it would make
         | me very unhappy. So yeah, this is definitely not an okay thing
         | for a CEO to do.
        
           | Spivak wrote:
           | Yeah, the right thing to do is to "quietly" announce your
           | company's political views in the "subtext" of all your
           | marketing materials, social media posts, company culture, and
           | job descriptions.
           | 
           | People really do seem to forget how crazy the natural social
           | separation is between the red and blue tribes is in the US.
           | The CEO didn't really have to send an email for me to who
           | they were voting for.
           | 
           | If you're okay with companies really obviously announcing
           | their political affiliations in literally everything they do
           | but not okay with companies being explicit about what
           | everyone already knows then I think that says more about you
           | than the company. Expensify is straight up not at all
           | politically neutral, never has been, and doesn't really even
           | pretend to. This wasn't a rogue CEO -- the employees voted on
           | and helped write the email.
        
             | lugged wrote:
             | Its political prosthelytizing.
             | 
             | What you're ignoring is that 99% of our employees don't
             | have the ability to cease doing business with these holier
             | than thou assholes. They're forced to get these emails they
             | don't want and they all spent time being being mad,
             | annoyed, confused or upset, many spent hours crafting
             | internal emails and following the very public discussion,
             | many were annoyed by the eventual decision to stick with
             | them. Many still bring this up when related issues arise.
             | It's a collective waste of time and it isn't ok.
             | 
             | Would you be happy about a company that sent religious
             | recruitment emails to all your employees?
             | 
             | Would you be happy about a company that distracted over
             | half your employees for the better part of a day in some
             | cases for no fucking reason other than to push their own
             | personal agenda?
        
         | dpeck wrote:
         | On the contrary this is exactly what I want to see from
         | executives regardless of their political leanings. If they
         | believe that something is a clear and direct threat to the
         | business that they're charged with running, they should have a
         | fiduciary duty to speak up on it in whatever means they have
         | available.
         | 
         | Following that those receiving the message can decide to
         | continue to support the business or not. But I'd rather have
         | that than the weasel word non answers approach that many execs
         | take.
        
           | systemvoltage wrote:
           | It's not a fiduciary duty to comment on presidential election
           | _to their own employees_ and dig a political stake.
        
           | curiousgal wrote:
           | Well imagine if it were the other way around, a white
           | supremacist is president and a CEO sends out letters praising
           | that...
        
             | dpeck wrote:
             | That'd be great, it would inform my decision to cease doing
             | business with that CEO/company as quickly as possible.
        
           | itsoktocry wrote:
           | > _But I'd rather have that than the weasel word non answers
           | approach that many execs take._
           | 
           | They are free to do whatever they want, but the CEO is a
           | representative of the company, not the company itself. I
           | don't care one wink about what the guy handling my business
           | expenses thinks of the POTUS. His opinion on such matters has
           | zero value to me. It was an odd thing to do for any company
           | which is storing sensitive data of its customers.
        
             | xcambar wrote:
             | I agree that the CEO is not the company and should not use
             | the company as an amplifier of their own personal beliefs
             | or views.
             | 
             | That being said, I don't buy that you (or anyone, I am not
             | pointing fingers) _don't care one wink_. Maybe you don't
             | care on this very topic because you disagree or simply have
             | no interest in politics. But I'm willing to bet that on
             | another topic closer to your heart (pick your favourite),
             | that could reflect on your views and relationship with the
             | company.
             | 
             | And actually, because the voice of a CEO is globally
             | impactful on the brand of the company, CEOs tend to be
             | publicly rather quiet. Exceptions apply.
        
         | pbreit wrote:
         | Non-traditional for sure. And I think most PR heads would
         | highly discourage. Seems to work for this company OK. Thinking
         | different can be an advantage.
        
       | bastardoperator wrote:
       | Anything that can reduce SAP Concur adoption is a win in my book.
       | Expensify is so much nicer to use if you're on the hook for
       | tracking your own expenses. I love the fact that they'll scan
       | receipts and enter the data for you.
        
       | JaakkoP wrote:
       | I was surprised to see Expensify's revenue growth was only 8% YoY
       | from 2019 to 2020. For comparison, Asana and GitLab had ~85%
       | year-over-year growth on their S-1.
       | 
       | Granted, Expensify grew 60% over the last twelve months, but by
       | their own account it was _' primarily due to a pricing change
       | implemented in May 2020, which led to a gradual increase in per
       | member price for our paid members"_
       | 
       | Makes me wonder if they are being hit hard by the new entrants
       | like Ramp, or if the pandemic had such a major impact on all
       | expense management platforms as people travel less - especially
       | on business?
        
       | htrp wrote:
       | > Prior to the completion of this offering, all of our
       | outstanding shares of LT10 and LT50 common stock, representing
       | approximately % of the combined voting power and % of the
       | economic interest in us immediately following the completion of
       | this offering, will be contributed by the beneficial holders of
       | such shares (the "Trust Beneficiaries") to a new voting trust
       | (the "Voting Trust") formed pursuant to a voting trust agreement
       | (the "Voting Trust Agreement"), under which all decisions with
       | respect to the voting (but not the disposition) of such shares of
       | LT10 and LT50 common stock, as well as any other shares of any
       | class of common stock held in the Voting Trust from time to time,
       | will be made by the trustees of the Voting Trust (the "Trustees")
       | in their sole and absolute discretion, with no responsibility
       | under the Voting Trust Agreement as stockholder, trustee or
       | otherwise, except for his or her own individual malfeasance. The
       | initial Trustees of the Voting Trust will be David Barrett, our
       | CEO, Ryan Schaffer, our CFO, and Jason Mills, our Chief Product
       | Officer. The Voting Trust and its Trustees will, for the
       | foreseeable future, have significant influence over our corporate
       | management and affairs, and will be able to control virtually all
       | matters requiring stockholder approval. The Voting Trust is
       | irrevocable and terminates upon the earlier of the written
       | agreement between us and the Trustees and the date on which all
       | shares of LT10 and LT50 common stock automatically convert into
       | shares of Class A common stock in accordance with the terms of
       | our amended and restated certificate of incorporation, which will
       | occur when all of the then-outstanding shares of LT10 and LT50
       | common stock represent, in the aggregate, less than 2% of all
       | then-outstanding shares of common stock.
       | 
       | For 88 million in Revenue (FY2020)... you can buy the stock and
       | have no say at all in how the company is run....
        
         | Spartan-S63 wrote:
         | Seems like par for the course nowadays for companies to issue
         | two classes of stock with the second class having little to no
         | voting power.
        
           | skeeter2020 wrote:
           | I hate this, but us purchasers have no one but ourselves to
           | blame.
        
             | dublinben wrote:
             | The major index providers (FTSE Russell, MSCI, and S&P Dow
             | Jones) have either banned or restricted stocks like this
             | from their indexes. If you stick to mutual funds or ETFs
             | that track these indexes, then you're speaking with your
             | money by avoiding these stocks.
             | 
             | https://corpgov.law.harvard.edu/2018/08/22/dual-class-
             | index-...
        
       | tomlor wrote:
       | I singlehandledly forced the replacement of Expensify at my
       | company after some dodgy billing practices. They incrementally,
       | yet substantially, raised our bill over a period of eight months
       | with no notification to us whatsover. It was hard to detect
       | because our bills were already variable values per month (based
       | on active users).
       | 
       | When I discovered the higher rates we were paying I reached out
       | to support and they said I wasn't notified because I elected to
       | opt out of marketing emails. They wouldn't issue a credit either.
       | 
       | I threatened to cancel service and they truly couldn't have cared
       | less. So we dumped them. Very satisfying. It's a shame - the
       | product was ok. But from my persepctive, F these guys.
        
         | tcas wrote:
         | I got hit by the same year long gradual bill increase. I didn't
         | notice at first, as the number seemed right, but then at 6
         | months or so I looked into why the price seemed so much higher
         | than what I remember and got really upset.
         | 
         | When I looked into it, it seemed as though they restructured
         | their plans multiple times during the ~4 years I was paying
         | them, and I got placed into the most expensive option which was
         | originally the same price as what I started with. I was also
         | locked into a year long commitment at some point, and they
         | wouldn't budge on letting me downgrade to the lower plan mid
         | year (I didn't have a use for any of the advanced features).
         | 
         | The support chat told me the same thing about the changes being
         | announced via marketing emails, and said they could not credit,
         | cancel or downgrade my plan. The support agent also couldn't
         | care less when I said it would cause me to cancel my plan at
         | renewal.
         | 
         | The whole experience left me with a really bad impression, I
         | went from a huge advocate to telling everyone to avoid them.
        
         | lugged wrote:
         | We're also still reeling from the smartscan debacle.
         | 
         | The thing that pissed me off the most is when they emailed some
         | unsolicited BLM propoganda out to every one of our employees.
        
         | eps wrote:
         | It'd be nice to hear their version of this before I bother to
         | get my butt off the couch and pick my pitchfork. The fact that
         | fee increases weren't communicated because the OP was't subed
         | to promo emails just doesn't smell right. As is the fact that
         | it wasn't obvious from the actual billing statements.
         | 
         | Ps. I remember their CEO (David Barrett) back from the
         | p2p-hackers mailing list days. He ain't one of them
         | Zuckerbergs. The exact opposite in fact.
        
           | curiousgal wrote:
           | > _He ain 't one of them Zuckerbergs. The exact opposite in
           | fact._
           | 
           | I am not saying otherwise, just objectively speaking: money
           | changes people.
        
         | rexreed wrote:
         | Not to mention their shady and undisclosed practices of using
         | humans to read receipts when they pretend it's AI / OCR / NLP
         | doing that.
         | 
         | "Expensify has admitted that its declared AI product SmartScan,
         | which is assumed to scan the expense receipts and categorize
         | the details into corresponding expense pool through a machine
         | process, was actually assisted by humans. Breaching privacy of
         | users, the receipts were posted on freelancing websites where
         | freelancers used to take out extracts of information from
         | receipts and send it to Expensify team."
         | 
         | [0] https://mantra.ai/blogs/pseudo-ai-when-humans-do-bots-work/
        
           | temp1634592138 wrote:
           | I worked at Expensify a few years ago. Except for some email
           | and PDFs, the process is entirely manual. The justification
           | is that humans just do it better with a reasonable and
           | predictable cost.
        
       | bmiller2 wrote:
       | When my startup was acquired, we had to migrate from using
       | Expensify to some god-awful corporate nonsense (SAP Concur).
       | 
       | Lord, how I miss Expensify. It was the epitome of intuitive.
       | 
       | It makes me sad that Expensify was not a first-mover in this
       | space. Once SAP or whatever garbage-ware gets baked into
       | corporate enterprise architecture, it takes an act of God (or
       | equivalently the CTO's dedicated focus) to replace it.
        
         | jiveturkey wrote:
         | wrong POV. for each individual user, the increased aggravation
         | is tolerable. For the corporate controller, at megacorps you
         | [apparently] need to use concur and the like. at the level of
         | megacorp, financials must be correctly stated, auditable, and
         | so forth.
         | 
         | kind of like security. why can't you just _trust_ your users to
         | set a strong password and have a screen saver iff they are in
         | an environment where it's helpful?
         | 
         | it's fun (and easy) to pick on concur but the goals of it are
         | completely different than the goals of expensify.
        
           | MangoCoffee wrote:
           | we use Concur (1500+ employees). not my cup of tea but the
           | accounting people love it.
        
             | brianwawok wrote:
             | Which is the classic startup story of you need to build
             | your product for the user that is paying your bill. Even if
             | that means subjecting the actual end users to misery...
        
               | Nextgrid wrote:
               | That's IMO a short-sighted strategy. You might get
               | somewhere but you're opening yourself up to disruption by
               | someone who can reconcile and satisfy both end-users' and
               | clients' requirements.
        
               | brianwawok wrote:
               | A lot of companies have made billions following it. See
               | oracle etc. so maybe short sighted, but I think Larry is
               | doing OK
        
             | ghaff wrote:
             | My experience with Concur is that the product itself is not
             | bad. Not great but not bad once you get used to it. (Fir
             | example, there's a lot of random information asked for that
             | varies by category which is annoying but you get used to
             | it.) The problem is with the auditing on the Concur side,
             | whoever's "fault" it is.
             | 
             | Things like any date discrepancies between the receipt and
             | how it's entered on the report get bounced even if they're
             | off by a day even though it's obvious and, pre-Concur,
             | would have just been fixed in-house. Also random
             | invocations of travel policies cause rejections rather than
             | not just making a trivial connection. Simply not reading
             | comments with respect to exceptions. Etc. I'm sure hundreds
             | of hours of highly-paid people's time gets wasted.
        
           | paxys wrote:
           | It's almost always a case of "no one got fired for buying
           | IBM". Oracle, SAP, Microsoft, Cisco and the like are all
           | entrenched in the business world because no one wants to be
           | the guy to move the company over to a smaller, better,
           | cheaper alternative just because there is a chance it could
           | fail and their jobs would be on the line.
        
             | pydry wrote:
             | At least in the situations I've seen the salespeople made
             | effective use of FUD and ego massage on less technical
             | managers.
             | 
             | It wouldnt be nearly as effective though, if they werent
             | playing the long game and if the products they sold didnt
             | each function to increase the vendor lockin one step at a
             | time.
             | 
             | There ought to be good money decoupling corporate IT
             | systems from these systems but weirdly nobody seems to care
             | that much about IT spend on preferred vendors.
        
       | nattaylor wrote:
       | I still marvel that they've built such a big company around a
       | SQLite fork.
       | 
       | >Expensify is built on Bedrock - a private Blockchain-based data
       | foundation atop a custom fork of SQLite, which we believe is the
       | fastest, most reliable and most widely distributed database in
       | the world. This fork optimizes SQLite to operate on extremely
       | high core density servers, concurrently executing thousands of
       | page-locked transactions per server, with robust conflict
       | detection and resolution. Bedrock further extends SQLite -- which
       | is a local database with no networking component -- with a WAN-
       | optimized, Paxos-based self-healing clustered replication engine
       | designed to conduct atomic two-phase commits over high-latency /
       | low-reliability internet VPN links, using the world's longest
       | continuously operational Blockchain (since before Bitcoin began).
       | Our design is optimized for global scale, speed and reliability.
        
         | justicezyx wrote:
         | > I still marvel that they've built such a big company around a
         | SQLite fork.
         | 
         | > Expensify is built on Bedrock - a private Blockchain-based
         | data foundation atop a custom fork of SQLite
         | 
         | This seems just that they use Bedrock, which itself is a
         | blockchain data foundation (whatever that means I have not much
         | idea), then that thing uses SQLite fork.
         | 
         | For me this is more like someone uses ABSL or MYSQL. Not build
         | around it, but just a small piece of tech.
        
           | dljsjr wrote:
           | That's not totally fair, though, because Expensify created
           | Bedrock. So it seems that a good bit of their engineering
           | effort has gone in to this technology.
        
             | nattaylor wrote:
             | Yeah, from Bedrockdb.com:
             | 
             | >Bedrock was built by Expensify, and is a networking and
             | distributed transaction layer built atop SQLite, the
             | fastest, most reliable, and most widely distributed
             | database in the world.
        
             | temp1634592138 wrote:
             | The CEO created Bedrock. The engineers have to maintain it
             | because it is the CEO's pet project, and the CEO always
             | knows best. Nobody there really loved it.
        
           | temp1634592138 wrote:
           | It has been a while since I left the company, but back then
           | the blockchain is essentially a checksum on previous executed
           | commands. Bedrock uses (used?) command logging as way to
           | propagate changes. That is, they store the SQL in a table and
           | apply the same command on all nodes, with a single master
           | being responsible to be the canonical version.
        
       | MisradHaOtzer wrote:
       | Very impressive quirky company.
       | 
       | In 2013-2014 they found smart ways to be a non valley company
       | (recruiting in UP Michigan). Really bold CEO!
        
         | temp1634592138 wrote:
         | Not sure what is bold about that. The people in UP Michigan are
         | some of the ones doing the SmartScan back office, and customer
         | support. AFAICT there were no product/engineering people there.
        
       | epistasis wrote:
       | Having to fill in many forms this morning, I was just marveling
       | at how unnecessarily painful data entry is with Expensify. If I
       | want to select the current autocomplete for the vendor, do I
       | press Enter? Nope, that saves the whole expense and exits back to
       | the list. If I want to autocomplete other fields, do I press
       | enter? Yes, that works! What's the difference? Who knows? Who
       | cares? Clearly not anybody on the web dev team.
       | 
       | It doesn't take amazing software in this field to do way way
       | better than everybody else, apparently.
       | 
       | With the amount of data entry that happens on the web, rhe lack
       | of best practices, or really any standardized practices at all,
       | is a damn shame.
        
         | mikysco wrote:
         | My lord the UX decisions Expensify makes are irritating. They
         | recently changed their web login flow; it now forces users to
         | select whether they'd like to login with email, phone, google,
         | apple... each time they login.
        
       | ttymck wrote:
       | $50M in revenue on 130 employees seems quite remarkable, no? Not
       | to mention they grew to $88M with the same headcount.
       | 
       | Are they uniquely able to outsource a large number of functions?
       | I've worked for firms with far less revenue and far greater
       | headcount, and the road to IPO seemed inextricably dependent on
       | orders of magnitude more headcount.
        
         | dhruvkar wrote:
         | We're at $11M on 35 employees slinging physical stone slabs.
         | 
         | I'd expect a software company to be much higher on
         | $rev/employee.
        
           | xmprt wrote:
           | Wouldn't hardware revenue be much higher than software
           | revenue because costs are equally high?
        
             | genmud wrote:
             | I imagine OP is probably selling countertops or maybe even
             | something with required precision like granite surface
             | plates.
             | 
             | Typically durable goods will have less revenue than
             | software services, since there isn't really the concept of
             | logarithmic growth that you can theoretically support with
             | software.
        
         | namdnay wrote:
         | That doesn't seem huge? 50M for 130 is a bit less than 400k
         | revenue per employee. Of that revenue you're already spending
         | at least 100-200k on the employee themselves
        
           | pc86 wrote:
           | For some of the devs, sure, but no way is their average
           | payroll per employee $200k. How many analysts and support
           | staff work there? I'm sure there are people at Expensify
           | making $30-50k/yr.
        
         | pbreit wrote:
         | Slow growth over 13 years in an easy-to-monetize category can
         | get you there.
        
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