WallStSmart

Ambow Education Holding Ltd (AMBO)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 30128% more annual revenue ($3.01B vs $9.95M). TAL leads profitability with a 17.6% profit margin vs 16.8%. AMBO appears more attractively valued with a PEG of 0.12. AMBO earns a higher WallStSmart Score of 80/100 (B+).

AMBO

Strong Buy

80

out of 100

Grade: B+

Growth: 6.7Profit: 7.5Value: 8.3Quality: 5.5
Piotroski: 4/9Altman Z: -33.05

TAL

Strong Buy

68

out of 100

Grade: B-

Growth: 10.0Profit: 6.5Value: 7.3Quality: 7.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AMBO.

TALUndervalued (+87.9%)

Margin of Safety

+87.9%

Fair Value

$98.36

Current Price

$9.56

$88.80 discount

UndervaluedFair: $98.36Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMBO6 strengths · Avg: 9.7/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
4.2x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Return on EquityProfitability
233.4%10/10

Every $100 of equity generates 233 in profit

EPS GrowthGrowth
266.9%10/10

Earnings expanding 266.9% YoY

Revenue GrowthGrowth
21.0%8/10

Revenue surging 21.0% year-over-year

TAL5 strengths · Avg: 9.8/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
31.5%10/10

Revenue surging 31.5% year-over-year

EPS GrowthGrowth
536.0%10/10

Earnings expanding 536.0% YoY

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Areas to Watch

AMBO3 concerns · Avg: 2.3/10
Market CapQuality
$7.18M3/10

Smaller company, higher risk/reward

Free Cash FlowQuality
$-1.19M2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-33.052/10

Distress zone — elevated risk

TAL1 concerns · Avg: 2.0/10
PEG RatioValuation
10.462/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AMBO

The strongest argument for AMBO centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 16.8% and operating margin at 15.8%. Revenue growth of 21.0% demonstrates continued momentum.

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 : AMBO

The primary concerns for AMBO are Market Cap, Free Cash Flow, Altman Z-Score.

Bear Case : TAL

The primary concerns for TAL are PEG Ratio.

Key Dynamics to Monitor

AMBO carries more volatility with a beta of 0.76 — 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.

Monitor EDUCATION & TRAINING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

AMBO scores higher overall (80/100 vs 68/100), backed by strong 16.8% margins and 21.0% revenue growth. TAL offers better value entry with a 87.9% 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.

Ambow Education Holding Ltd

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China

Ambow Education Holding Ltd. provides a range of educational and career enhancement products and services to students, recent graduates, corporate employees, and management professionals in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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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