WallStSmart

Fitness Champs Holdings Limited Common Stock (FCHL)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 79054% more annual revenue ($3.19B vs $4.03M). TAL leads profitability with a 28.4% profit margin vs -111.6%. TAL earns a higher WallStSmart Score of 78/100 (B+).

FCHL

Avoid

31

out of 100

Grade: F

Growth: 4.0Profit: 2.0Value: 5.0Quality: 7.0
Piotroski: 4/9Altman Z: -0.31

TAL

Strong Buy

78

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 7.3Quality: 7.5
Piotroski: 5/9Altman Z: 2.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for FCHL.

TALUndervalued (+89.6%)

Margin of Safety

+89.6%

Fair Value

$114.50

Current Price

$11.82

$102.68 discount

UndervaluedFair: $114.50Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FCHL2 strengths · Avg: 9.5/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.159/10

Conservative balance sheet, low leverage

TAL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.4x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
31.9%10/10

Revenue surging 31.9% year-over-year

EPS GrowthGrowth
1360.0%10/10

Earnings expanding 1360.0% YoY

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

FCHL4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.23M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-177.5%2/10

ROE of -177.5% — below average capital efficiency

Revenue GrowthGrowth
-5.4%2/10

Revenue declined 5.4%

TAL1 concerns · Avg: 2.0/10
PEG RatioValuation
2.752/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : FCHL

The strongest argument for FCHL centers on Price/Book, Debt/Equity.

Bull Case : TAL

The strongest argument for TAL centers on P/E Ratio, Revenue Growth, EPS Growth. Profitability is solid with margins at 28.4% and operating margin at 18.1%. Revenue growth of 31.9% demonstrates continued momentum.

Bear Case : FCHL

The primary concerns for FCHL are EPS Growth, Market Cap, Return on Equity.

Bear Case : TAL

The primary concerns for TAL are PEG Ratio.

Key Dynamics to Monitor

FCHL profiles as a turnaround stock while TAL is a growth play — different risk/reward profiles.

TAL is growing revenue faster at 31.9% — sustainability is the question.

TAL generates stronger free cash flow (478M), providing more financial flexibility.

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

Bottom Line

TAL scores higher overall (78/100 vs 31/100), backed by strong 28.4% margins and 31.9% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Fitness Champs Holdings Limited Common Stock

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Fitness Champs Holdings Limited, provides sports education for private sector and public schools in Singapore.

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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