** Shares of payments app Expensify EXFY.O fall as much as 7.8%; last down 6.6% at $3.18
** Citizens JMP Securities downgrades EXFY to "market perform" from "market outperform" after the company exceeds brokerage's prior $3.25 price target
** Brokerage says when it had upgraded the stock after Q2 2024 results, it cited a variety of tactical reasons, many of which have played out
** Adds that given the move in the stock, EXFY needs to return to growth for the story to continue working
** Substantial discounts to its peer group justified by EXFY's slower relative growth in a difficult macro environment — JMP Securities
** Two of five brokerages rate the stock "buy" or higher and three "hold"; median PT $3 — LSEG
** As of last close, EXFY shares up 37.7% YTD
(Reporting by Arasu Kannagi Basil in Bengaluru)
((ArasuKannagi.Basil@thomsonreuters.com))
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