Coursera (NYSE:COUR) versus Expensify (NASDAQ:EXFY) Head to Head Analysis

Expensify (NASDAQ:EXFY) and Coursera (NYSE:COUR) are both small-cap business services companies, but which is the superior business? We will compare the two companies based on the strength of their institutional ownership, earnings, profitability, analyst recommendations, dividends, valuation and risk.

Earnings and Valuation

This table compares Expensify and Coursera’s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Expensify	$150.69 million	0.72	-$41.46 million	($0.51)	-3.03
Coursera	$635.76 million	3.00	-$116.55 million	($0.77)	-15.73

Expensify has higher earnings, but lower revenue than Coursera. Coursera is trading at a lower price-to-earnings ratio than Expensify, indicating that it is currently the more affordable of the two stocks.

Risk & Volatility

Expensify has a beta of 1.49, suggesting that its share price is 49% more volatile than the S&P 500. Comparatively, Coursera has a beta of 1.48, suggesting that its share price is 48% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings for Expensify and Coursera, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Expensify	2	4	2	0	2.00
Coursera	1	2	8	0	2.64

Expensify presently has a consensus target price of $5.93, indicating a potential upside of 283.73%. Coursera has a consensus target price of $22.10, indicating a potential upside of 82.42%. Given Expensify’s higher possible upside, equities analysts plainly believe Expensify is more favorable than Coursera.

Profitability

This table compares Expensify and Coursera’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Expensify	-27.70%	-41.91%	-20.39%
Coursera	-18.33%	-18.15%	-12.39%

Institutional & Insider Ownership

68.4% of Expensify shares are owned by institutional investors. Comparatively, 89.6% of Coursera shares are owned by institutional investors. 20.3% of Expensify shares are owned by company insiders. Comparatively, 15.9% of Coursera shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Coursera beats Expensify on 8 of the 14 factors compared between the two stocks.

About Expensify

Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company's platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.

About Coursera

Coursera, Inc. operates an online educational content platform in the United States, Europe, Africa, the Asia Pacific, the Middle East, and internationally. It operates in three segments: Consumer, Enterprise, and Degrees. The company offers guided projects, courses, and specializations, as well as online degrees; and certificates for entry-level professional, non-entry level professional, university, and MasterTrack. It offers its products to individuals, enterprise, business, campus, and government. The company was formerly known as Dkandu, Inc. and changed its name to Coursera, Inc. in April 2012. Coursera, Inc. was incorporated in 2011 and is headquartered in Mountain View, California.