S-1 1 onfo_s1.htm FORM S-1 As filed with the U.S. Securities and Exchange Commission on December 17, 2025 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM S-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 ONFOLIO HOLDINGS INC. (Exact name of registrant as specified in its charter) (State or Other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) Dominic We ...

MILWAUKEE, Dec. 17, 2025 /PRNewswire/ -- The Ademi Firm is investigating Udemy (Nasdaq: UDMY) for possible breaches of fiduciary duty and other violations of law in its recently announced transaction with Coursera. Click here to learn how to join our investigation and obtain additional information or contact us at [email protected] or toll-free: 866-264-3995. There is no cost or obligation to you. In the transaction, Udemy shareholders will receive $0.800 shares of Coursera common stock for each Udemy shar ...

of the combined company and he joins us now a first on CNBC interview to discuss. Uh Greg welcome. So tell me this is big you guys and Udemy are two very big public names in this space.the stocks have uh have suffered since 2021, but you in particular Corsera continued to grow across your um universities, business with degrees, uh the consumer and the enterprise. What's the rationale for combining. >> Well, I think the rationale is pretty straightforward.The world has never needed the ability to scale and u ...

Core Viewpoint - In the era of information overload, consumers face numerous choices along with potential traps and disputes. It is essential for consumers to identify potential risks before making purchases by utilizing public information and complaint platforms like the Black Cat Complaint app [1][14]. Group 1: Consumer Behavior - The habit of checking complaint information before making purchases has become increasingly common among consumers, especially for high-value items or services with long service cycles [2][16]. - This proactive behavior helps consumers avoid future troubles by revealing potential issues related to product quality, service response, and contract fulfillment [2][16]. Group 2: Industries Requiring Caution - Certain industries, particularly those with high transaction values, long service chains, and multiple after-sales processes, necessitate thorough pre-purchase checks [3][17]. - Specific sectors that require heightened scrutiny include: - Education and vocational training, where issues like false advertising and refund difficulties are prevalent [6][20]. - Beauty and medical services, which pose risks related to personal safety and service effectiveness [6][20]. - Home renovation and building materials, where common problems include additional charges and delays [6][20]. - Long-term rental apartments and real estate agencies, often facing issues like deposit refunds and contract traps [4][20]. - Online purchases of large items or luxury goods, where concerns about counterfeit products and after-sales service are significant [4][20]. Group 3: Sources for Reliable Complaint Information - Consumers can access various public channels to check complaint records, including: - Official regulatory platforms like the national 12315 platform, which provides authoritative data on complaints and resolutions [5][18]. - Industry-specific complaint platforms that cater to particular sectors, ensuring more relevant processing [5][18]. - Third-party public complaint platforms, such as the Black Cat Complaint platform, which leverage user bases to facilitate communication between consumers and businesses [5][18]. Group 4: Utilizing Black Cat Complaint Platform - The Black Cat Complaint platform serves as a valuable resource for consumers, offering easy access to a wealth of complaint cases that can inform purchasing decisions [7][19]. - Users can search for companies or brands to view related complaints, including consumer issues and company responses, providing a comprehensive view of service responsiveness [7][19]. - The platform also features a collective complaint function, highlighting common issues faced by multiple consumers, which can indicate systemic problems [21]. Group 5: Strategies for Avoiding Consumer Traps - Consumers are encouraged to adopt a multi-faceted approach to avoid pitfalls: - Cross-verify information across multiple platforms, including 12315 and social media [9][22]. - Carefully read contracts and terms, especially regarding liability and refund policies [10][23]. - Retain all transaction evidence, such as screenshots and payment records, for future reference [11][23]. - Use secure payment methods to maintain transaction records [12][23]. - Approach large or prepaid purchases with caution, opting for smaller trial packages before committing to larger investments [12][23]. Conclusion - In a complex consumer market, proactive measures are more effective than post-purchase claims. Developing a habit of checking complaint records and utilizing platforms like Black Cat Complaint can significantly enhance consumer decision-making [13][24].

Core Insights - Caledonia (Private) Investments increased its stake in Coursera by purchasing 1,935,803 additional shares, raising its total position value to approximately $109.06 million as of the end of the third quarter 2025 [1][2] - Coursera's shares were priced at $8.41 as of December 4, 2025, remaining flat over the prior year and underperforming the S&P 500 by 13 percentage points [3][4] - The company has a market capitalization of $1.4 billion and reported trailing twelve months (TTM) revenue of $739.78 million, with a net income loss of $45.81 million [4] Investment Position - Caledonia's investment in Coursera now represents 1.8% of its 13F reportable assets under management (AUM) [3] - The fund's total position value increased from $64.63 million in the previous quarter to $109.06 million [2] Company Performance - Coursera has experienced a five-year revenue compound annual growth rate (CAGR) of 30%, but its sales growth rate has slowed to a 10% increase in the latest quarter [3][9] - The company operates an online educational platform that connects learners, educators, and organizations, offering a wide range of courses and professional certificates [5][8] Market Context - The investment by Caledonia is seen as a significant bet against the potential disruption of the online learning industry by artificial intelligence (AI) [9][11] - Despite the stock trading near its 52-week high at the time of purchase, it has since declined approximately 30%, potentially making it an attractive investment opportunity [10]

Core Insights - John Wiley & Sons (NYSE: WLY) is recognized as one of the Best Dividend Stocks for a Dividend Champions List [1] - The company has transitioned from traditional publishing to digital content, focusing on online courses and study aids [2] Revenue Streams - Approximately 48% of John Wiley & Sons' revenue is derived from recurring streams, highlighting its shift towards digital subscriptions and global partnerships [3] - The growth strategy includes maintaining high recurring revenue, strengthening relationships with professional societies, expanding internationally, and leveraging growth in open-access and AI-driven publishing [3] Dividend Performance - John Wiley & Sons has a strong dividend history, having announced a quarterly payout of $0.355 per share, consistent with previous dividends [4] - The company has increased its dividend for 32 consecutive years, with a current yield of 3.54% as of October 2 [4]

Group 1 - The article highlights a series of upcoming online courses offered by Wind, focusing on various financial topics and strategies, aimed at global financial elites [2][3][5] - Courses include themes such as AI-powered market analysis, economic fundamentals of different countries, and investment strategies in sectors like rare earths and U.S. Treasuries [3][4][5] - The courses are scheduled throughout September 2025, with specific dates and times provided for each session, emphasizing the importance of timely registration [2][3][4] Group 2 - The article promotes the use of AI in financial analysis and investment strategies, indicating a trend towards integrating technology in traditional financial practices [3][5] - It mentions the significance of understanding global economic recovery trends, particularly in regions like Portugal and France, which may influence investment decisions [4][5] - The content aims to equip participants with practical insights and strategies to navigate the evolving financial landscape [6]

Group 1 - Coursera reported better-than-expected second-quarter results with earnings of 12 cents per share, surpassing the analyst consensus estimate of 9 cents, and quarterly revenue of $187.1 million, exceeding the Street estimate of $180.48 million [1][2] - The company attracted over 7 million new learners this quarter, indicating a growing market opportunity driven by global demand for new technology and skills [2] - Coursera raised its full year 2025 revenue outlook by $17 million to a range of $738 to $746 million [2] Group 2 - Analysts have adjusted their price targets for Coursera following the earnings announcement, with several maintaining or upgrading their ratings [3][5] - Needham analyst Ryan MacDonald raised the price target from $11 to $14 while maintaining a Buy rating [5] - B of A Securities analyst Nafeesa Gupta upgraded Coursera from Underperform to Neutral and increased the price target from $7 to $12 [5] - Telsey Advisory Group analyst Sarang Vora maintained an Outperform rating and raised the price target from $12 to $14 [5] - Keybanc analyst Bradley Thomas maintained an Overweight rating and boosted the price target from $11 to $12 [5] - Morgan Stanley analyst Josh Baer maintained an Equal-Weight rating and raised the price target from $11 to $12 [5] - Cantor Fitzgerald analyst Yi Fu Lee maintained an Overweight rating and lifted the price target from $10 to $13 [5]

Core Insights - Coursera reported strong Q2 2025 results, exceeding analyst expectations with GAAP revenue of $187.1 million and non-GAAP EPS of $0.12, leading to an optimistic outlook for the full year 2025 [1][5][14] Financial Performance - Q2 2025 GAAP revenue increased by 10% year-over-year, surpassing estimates by $6.6 million [5] - Non-GAAP net income rose 40% to $19.3 million, while adjusted EBITDA grew 73% to $18.0 million [5] - Free cash flow reached $28.6 million, up 68% from the previous year [5] - Operating cash flow for the quarter was $35.5 million, indicating improved operational efficiency [5] Business Focus and Strategy - Coursera focuses on expanding its network of educator partners, technological innovation, and global market penetration [4] - The company has nearly 10,000 courses available, with a significant emphasis on AI-related content [7] - Partnerships with institutions like Adobe and DeepLearning.AI are crucial for maintaining relevance in high-demand fields [10] Market Position and Growth - Coursera has 183 million registered learners globally, with nearly half of its revenue generated outside the US [12] - The Consumer segment generated $122.8 million in revenue, while the Enterprise segment brought in $64.3 million, both reflecting a 10% increase [6] - The company added 7.5 million new registered learners in the quarter [6] Technological Advancements - AI-powered features such as content translation and Coursera Coach have been introduced to enhance user experience [7][11] - The company is committed to linking course content with career outcomes through ongoing innovations [7] Financial Outlook - Management raised the full-year revenue guidance for FY2025 to $738-$746 million, up from the previous range of $720-$730 million [14] - For Q3 2025, expected GAAP revenue is between $188 million and $192 million [14] - Adjusted EBITDA margin target for the full year is set at 8.0%, indicating a planned improvement of 200 basis points [14]

Financial Performance - Coursera reported quarterly earnings of 12 cents per share, exceeding the analyst consensus estimate of 9 cents [1] - Quarterly revenue reached $187.1 million, surpassing the Street estimate of $180.48 million [1] Market Opportunity - The company continues to expand its market opportunity due to the global demand for new technology and skills, attracting over 7 million new learners this quarter [2] Growth and Outlook - Coursera achieved a revenue growth of 10% year-over-year and is making significant progress in enhancing customer experiences on its platform [3] - The company raised its full year 2025 revenue outlook by $17 million, now projected to be between $738 million and $746 million [3] Stock Performance - Following the earnings report, Coursera's stock price increased by 21.37%, reaching $11.02 in extended trading [3]