vs
Coursera, Inc.（COUR）与OCTAVE SPECIALTY GROUP INC（OSG）财务数据对比。点击上方公司名可切换其他公司
Coursera, Inc.的季度营收约是OCTAVE SPECIALTY GROUP INC的1.9倍（$196.9M vs $104.2M），OCTAVE SPECIALTY GROUP INC净利率更高（-6.6% vs -13.6%，领先7.0%），OCTAVE SPECIALTY GROUP INC同比增速更快（66.0% vs 9.9%），过去两年OCTAVE SPECIALTY GROUP INC的营收复合增速更高（42.9% vs 7.9%）
Coursera Inc.是美国营利性在线教育平台，由斯坦福大学计算机科学教授吴恩达与达芙妮·科勒于2012年创立。创立初期它作为全球大型开放式网络课程平台运营，目前和全球多所大学及各类机构合作，提供涵盖多个学科领域的在线课程、证书与学位项目。
奥克塔夫专业集团是一家专业保险控股企业，主营定制化财产与意外伤害保险产品，核心业务聚焦超额剩余保险领域，为北美地区的商业及个人客户提供定制化风险保障解决方案。
COUR vs OSG — 直观对比
营收规模更大
COUR
是对方的1.9倍
$104.2M
营收增速更快
OSG
高出56.1%
9.9%
净利率更高
OSG
高出7.0%
-13.6%
两年增速更快
OSG
近两年复合增速
7.9%
损益表 — Q4 FY2025 vs Q1 FY2026
| 指标 | | |
|---|---|---|
| 营收 | $196.9M | $104.2M |
| 净利润 | $-26.8M | $-6.9M |
| 毛利率 | 54.2% | — |
| 营业利润率 | -16.4% | — |
| 净利率 | -13.6% | -6.6% |
| 营收同比 | 9.9% | 66.0% |
| 净利润同比 | -24.1% | — |
| 每股收益（稀释后） | $-0.16 | $-0.13 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收COUROSG
| Q1 26 | — | $104.2M | ||
| Q4 25 | $196.9M | $66.9M | ||
| Q3 25 | $194.2M | $66.6M | ||
| Q2 25 | $187.1M | $55.0M | ||
| Q1 25 | $179.3M | $62.8M | ||
| Q4 24 | $179.2M | $65.2M | ||
| Q3 24 | $176.1M | $70.0M | ||
| Q2 24 | $170.3M | $51.0M |
净利润COUROSG
| Q1 26 | — | $-6.9M | ||
| Q4 25 | $-26.8M | $-29.7M | ||
| Q3 25 | $-8.6M | $-112.6M | ||
| Q2 25 | $-7.8M | $-72.7M | ||
| Q1 25 | $-7.8M | $-44.7M | ||
| Q4 24 | $-21.6M | $-20.9M | ||
| Q3 24 | $-13.7M | $-27.5M | ||
| Q2 24 | $-22.9M | $-750.0K |
毛利率COUROSG
| Q1 26 | — | — | ||
| Q4 25 | 54.2% | — | ||
| Q3 25 | 54.6% | — | ||
| Q2 25 | 54.9% | — | ||
| Q1 25 | 54.6% | — | ||
| Q4 24 | 53.3% | — | ||
| Q3 24 | 54.6% | — | ||
| Q2 24 | 53.0% | — |
营业利润率COUROSG
| Q1 26 | — | — | ||
| Q4 25 | -16.4% | -76.7% | ||
| Q3 25 | -8.0% | -48.2% | ||
| Q2 25 | -8.1% | -41.8% | ||
| Q1 25 | -8.0% | -24.1% | ||
| Q4 24 | -17.0% | -55.5% | ||
| Q3 24 | -12.3% | -29.7% | ||
| Q2 24 | -18.3% | -28.9% |
净利率COUROSG
| Q1 26 | — | -6.6% | ||
| Q4 25 | -13.6% | -73.8% | ||
| Q3 25 | -4.4% | -169.1% | ||
| Q2 25 | -4.2% | -132.3% | ||
| Q1 25 | -4.4% | -71.3% | ||
| Q4 24 | -12.1% | -55.1% | ||
| Q3 24 | -7.8% | -39.3% | ||
| Q2 24 | -13.4% | -1.5% |
每股收益（稀释后）COUROSG
| Q1 26 | — | $-0.13 | ||
| Q4 25 | $-0.16 | $-0.82 | ||
| Q3 25 | $-0.05 | $-2.35 | ||
| Q2 25 | $-0.05 | $-1.54 | ||
| Q1 25 | $-0.05 | $-1.22 | ||
| Q4 24 | $-0.13 | $-11.75 | ||
| Q3 24 | $-0.09 | $-0.63 | ||
| Q2 24 | $-0.15 | $-0.02 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | $792.6M | — |
| 总债务越低越好 | — | $117.1M |
| 股东权益账面价值 | $635.7M | $833.6M |
| 总资产 | $1.0B | $2.3B |
| 负债/权益比越低杠杆越低 | — | 0.14× |
8季度趋势，按日历期对齐
现金及短期投资COUROSG
| Q1 26 | — | — | ||
| Q4 25 | $792.6M | $146.4M | ||
| Q3 25 | $797.7M | $27.5M | ||
| Q2 25 | $775.1M | $22.5M | ||
| Q1 25 | $748.0M | $34.1M | ||
| Q4 24 | $726.1M | $157.2M | ||
| Q3 24 | $719.4M | $40.8M | ||
| Q2 24 | $708.8M | $14.6M |
总债务COUROSG
| Q1 26 | — | $117.1M | ||
| Q4 25 | — | $117.6M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $0 | ||
| Q3 24 | — | $518.0M | ||
| Q2 24 | — | $515.0M |
股东权益COUROSG
| Q1 26 | — | $833.6M | ||
| Q4 25 | $635.7M | $715.8M | ||
| Q3 25 | $639.5M | $843.4M | ||
| Q2 25 | $627.0M | $859.8M | ||
| Q1 25 | $610.5M | $852.2M | ||
| Q4 24 | $597.4M | $798.4M | ||
| Q3 24 | $593.3M | $1.5B | ||
| Q2 24 | $585.2M | $1.4B |
总资产COUROSG
| Q1 26 | — | $2.3B | ||
| Q4 25 | $1.0B | $2.2B | ||
| Q3 25 | $995.3M | $2.1B | ||
| Q2 25 | $979.9M | $8.5B | ||
| Q1 25 | $951.2M | $8.3B | ||
| Q4 24 | $930.3M | $8.1B | ||
| Q3 24 | $914.1M | $9.3B | ||
| Q2 24 | $904.4M | $8.2B |
负债/权益比COUROSG
| Q1 26 | — | 0.14× | ||
| Q4 25 | — | 0.16× | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.00× | ||
| Q3 24 | — | 0.35× | ||
| Q2 24 | — | 0.38× |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | $5.8M | — |
| 自由现金流经营现金流 - 资本支出 | $5.4M | — |
| 自由现金流率自由现金流/营收 | 2.7% | — |
| 资本支出强度资本支出/营收 | 0.2% | — |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | $107.2M | — |
8季度趋势，按日历期对齐
经营现金流COUROSG
| Q1 26 | — | — | ||
| Q4 25 | $5.8M | $-52.3M | ||
| Q3 25 | $33.9M | $-41.2M | ||
| Q2 25 | $35.5M | $2.1M | ||
| Q1 25 | $33.5M | $-12.6M | ||
| Q4 24 | $19.2M | $762.0K | ||
| Q3 24 | $27.9M | $48.9M | ||
| Q2 24 | $23.8M | $20.4M |
自由现金流COUROSG
| Q1 26 | — | — | ||
| Q4 25 | $5.4M | — | ||
| Q3 25 | $33.7M | — | ||
| Q2 25 | $35.1M | — | ||
| Q1 25 | $33.0M | — | ||
| Q4 24 | $18.1M | — | ||
| Q3 24 | $27.7M | — | ||
| Q2 24 | $23.6M | — |
自由现金流率COUROSG
| Q1 26 | — | — | ||
| Q4 25 | 2.7% | — | ||
| Q3 25 | 17.4% | — | ||
| Q2 25 | 18.8% | — | ||
| Q1 25 | 18.4% | — | ||
| Q4 24 | 10.1% | — | ||
| Q3 24 | 15.7% | — | ||
| Q2 24 | 13.9% | — |
资本支出强度COUROSG
| Q1 26 | — | — | ||
| Q4 25 | 0.2% | — | ||
| Q3 25 | 0.1% | — | ||
| Q2 25 | 0.2% | — | ||
| Q1 25 | 0.3% | — | ||
| Q4 24 | 0.6% | — | ||
| Q3 24 | 0.1% | — | ||
| Q2 24 | 0.1% | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
COUR
| Consumer Segment | $131.5M | 67% |
| Enterprise Segment | $65.4M | 33% |
OSG
| Commissions | $68.2M | 65% |
| Other | $20.6M | 20% |
| Servicing and other fees | $9.4M | 9% |
| Program fees | $3.6M | 3% |
| Investment income | $2.4M | 2% |
