Afya Ltd (AFYA)vsTAL Education Group (TAL)
AFYA
Afya Ltd
$14.44
+0.84%
CONSUMER DEFENSIVE · Cap: $1.25B
TAL
TAL Education Group
$9.56
-1.65%
CONSUMER DEFENSIVE · Cap: $5.63B
Smart Verdict
WallStSmart Research — data-driven comparison
Afya Ltd generates 25% more annual revenue ($3.77B vs $3.01B). AFYA leads profitability with a 20.1% profit margin vs 17.6%. AFYA trades at a lower P/E of 8.5x. TAL earns a higher WallStSmart Score of 68/100 (B-).
AFYA
Buy62
out of 100
Grade: C+
TAL
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.6%
Fair Value
$61.03
Current Price
$14.44
$46.59 discount
Margin of Safety
+87.9%
Fair Value
$98.36
Current Price
$9.56
$88.80 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 38.9%
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 31.5% year-over-year
Earnings expanding 536.0% YoY
Conservative balance sheet, low leverage
Areas to Watch
3.2% earnings growth
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AFYA
The strongest argument for AFYA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.1% and operating margin at 38.9%.
Bull Case : TAL
The strongest argument for TAL centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 17.6% and operating margin at 9.0%. Revenue growth of 31.5% demonstrates continued momentum.
Bear Case : AFYA
The primary concerns for AFYA are EPS Growth, Market Cap.
Bear Case : TAL
The primary concerns for TAL are PEG Ratio.
Key Dynamics to Monitor
AFYA profiles as a mature stock while TAL is a growth play — different risk/reward profiles.
AFYA carries more volatility with a beta of 0.39 — expect wider price swings.
TAL is growing revenue faster at 31.5% — sustainability is the question.
TAL generates stronger free cash flow (816M), providing more financial flexibility.
Bottom Line
TAL scores higher overall (68/100 vs 62/100), backed by strong 17.6% margins and 31.5% revenue growth. AFYA offers better value entry with a 74.6% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Afya Ltd
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Afya Limited, is a medical education group in Brazil. The company is headquartered in Nova Lima, Brazil.
Visit Website →TAL Education Group
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China
TAL Education Group offers K-12 afterschool tutoring services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.
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