Afya Ltd (AFYA)vsTAL Education Group (TAL)
AFYA
Afya Ltd
$15.16
-2.13%
CONSUMER DEFENSIVE · Cap: $1.37B
TAL
TAL Education Group
$11.30
+2.26%
CONSUMER DEFENSIVE · Cap: $6.72B
Smart Verdict
WallStSmart Research — data-driven comparison
Afya Ltd generates 31% more annual revenue ($3.70B vs $2.82B). AFYA leads profitability with a 20.3% profit margin vs 9.9%. AFYA trades at a lower P/E of 9.7x. TAL earns a higher WallStSmart Score of 68/100 (B-).
AFYA
Strong Buy66
out of 100
Grade: B-
TAL
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+68.3%
Fair Value
$48.86
Current Price
$15.16
$33.70 discount
Margin of Safety
+47.1%
Fair Value
$22.46
Current Price
$11.30
$11.16 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 30.4%
Keeps 20 of every $100 in revenue as profit
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 27.0% year-over-year
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Weak financial health signals
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 20.3% and operating margin at 30.4%.
Bull Case : TAL
The strongest argument for TAL centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 27.0% demonstrates continued momentum. PEG of 0.46 suggests the stock is reasonably priced for its growth.
Bear Case : AFYA
The primary concerns for AFYA are Market Cap.
Bear Case : TAL
The primary concerns for TAL are Return on Equity, Piotroski F-Score.
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 0.58 — expect wider price swings.
TAL is growing revenue faster at 27.0% — sustainability is the question.
TAL generates stronger free cash flow (816M), providing more financial flexibility.
Bottom Line
TAL scores higher overall (68/100 vs 66/100) and 27.0% revenue growth. AFYA offers better value entry with a 68.3% margin of safety. Both earn "Strong Buy" and "Strong 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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