WallStSmart

American Public Education Inc (APEI)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 334% more annual revenue ($2.82B vs $648.86M). TAL leads profitability with a 9.9% profit margin vs 4.9%. TAL appears more attractively valued with a PEG of 0.46. TAL earns a higher WallStSmart Score of 68/100 (B-).

APEI

Hold

47

out of 100

Grade: D+

Growth: 4.0Profit: 5.5Value: 7.3Quality: 5.0

TAL

Strong Buy

68

out of 100

Grade: B-

Growth: 5.3Profit: 5.0Value: 10.0Quality: 6.3
Piotroski: 3/9Altman Z: 2.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

APEISignificantly Overvalued (-46.7%)

Margin of Safety

-46.7%

Fair Value

$29.46

Current Price

$56.18

$26.72 premium

UndervaluedFair: $29.46Overvalued
TALUndervalued (+47.1%)

Margin of Safety

+47.1%

Fair Value

$22.46

Current Price

$11.30

$11.16 discount

UndervaluedFair: $22.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

APEI0 strengths · Avg: 0/10

No standout strengths identified

TAL3 strengths · Avg: 8.7/10
PEG RatioValuation
0.4610/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
27.0%8/10

Revenue surging 27.0% year-over-year

Areas to Watch

APEI4 concerns · Avg: 3.5/10
PEG RatioValuation
1.534/10

Expensive relative to growth rate

P/E RatioValuation
38.5x4/10

Premium valuation, high expectations priced in

Market CapQuality
$990.52M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.9%3/10

4.9% margin — thin

TAL2 concerns · Avg: 3.0/10
Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : APEI

APEI has a balanced fundamental profile.

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 : APEI

The primary concerns for APEI are PEG Ratio, P/E Ratio, Market Cap. Thin 4.9% margins leave little buffer for downturns.

Bear Case : TAL

The primary concerns for TAL are Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

APEI profiles as a value stock while TAL is a growth play — different risk/reward profiles.

APEI carries more volatility with a beta of 1.66 — 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 47/100) and 27.0% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

American Public Education Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

American Public Education, Inc. offers postsecondary education online and on campus. The company is headquartered in Charles Town, West Virginia.

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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