Reviewing Expensify (NASDAQ:EXFY) & Coursera (NYSE:COUR)

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

Valuation and Earnings

This table compares Coursera and Expensify’s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Coursera	$635.76 million	2.96	-$116.55 million	($0.77)	-15.52
Expensify	$150.69 million	0.77	-$41.46 million	($0.51)	-3.22

Expensify has lower revenue, but higher earnings 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.

Analyst Ratings

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

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

Coursera currently has a consensus price target of $22.10, indicating a potential upside of 84.94%. Expensify has a consensus price target of $6.50, indicating a potential upside of 296.34%. Given Expensify’s higher probable upside, analysts clearly believe Expensify is more favorable than Coursera.

Profitability

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

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

Institutional & Insider Ownership

89.6% of Coursera shares are held by institutional investors. Comparatively, 68.4% of Expensify shares are held by institutional investors. 16.3% of Coursera shares are held by company insiders. Comparatively, 20.3% of Expensify shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Risk & Volatility

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

Summary

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

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.

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.