WallStSmart

Stride Inc (LRN)vsUdemy Inc (UDMY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Stride Inc generates 221% more annual revenue ($2.54B vs $789.84M). LRN leads profitability with a 12.1% profit margin vs 0.5%. LRN trades at a lower P/E of 15.3x. LRN earns a higher WallStSmart Score of 65/100 (B-).

LRN

Strong Buy

65

out of 100

Grade: B-

Growth: 4.7Profit: 7.5Value: 6.7Quality: 8.5
Piotroski: 4/9Altman Z: 3.92

UDMY

Avoid

35

out of 100

Grade: F

Growth: 4.0Profit: 4.0Value: 5.0Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

LRNOvervalued (-12.2%)

Margin of Safety

-12.2%

Fair Value

$87.11

Current Price

$101.96

$14.85 premium

UndervaluedFair: $87.11Overvalued
UDMYUndervalued (+15.4%)

Margin of Safety

+15.4%

Fair Value

$5.46

Current Price

$4.63

$0.83 discount

UndervaluedFair: $5.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LRN5 strengths · Avg: 8.4/10
Altman Z-ScoreHealth
3.9210/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.558/10

Growing faster than its price suggests

P/E RatioValuation
15.3x8/10

Attractively priced relative to earnings

Price/BookValuation
2.6x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.8%8/10

Strong operational efficiency at 20.8%

UDMY0 strengths · Avg: 0/10

No standout strengths identified

Areas to Watch

LRN2 concerns · Avg: 3.0/10
Revenue GrowthGrowth
2.7%4/10

2.7% revenue growth

EPS GrowthGrowth
-4.5%2/10

Earnings declined 4.5%

UDMY4 concerns · Avg: 3.3/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$675.68M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.9%3/10

ROE of 1.9% — below average capital efficiency

Profit MarginProfitability
0.5%3/10

0.5% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : LRN

The strongest argument for LRN centers on Altman Z-Score, PEG Ratio, P/E Ratio. PEG of 0.55 suggests the stock is reasonably priced for its growth.

Bull Case : UDMY

UDMY has a balanced fundamental profile.

Bear Case : LRN

The primary concerns for LRN are Revenue Growth, EPS Growth.

Bear Case : UDMY

The primary concerns for UDMY are EPS Growth, Market Cap, Return on Equity. A P/E of 154.3x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.

Key Dynamics to Monitor

UDMY carries more volatility with a beta of 1.58 — expect wider price swings.

LRN is growing revenue faster at 2.7% — sustainability is the question.

LRN generates stronger free cash flow (202M), providing more financial flexibility.

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

Bottom Line

LRN scores higher overall (65/100 vs 35/100). UDMY offers better value entry with a 15.4% margin of safety. 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.

Stride Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Stride, Inc., a technology-based education company, provides its own and third-party online educational services, software systems and curricula to facilitate individualized learning for students primarily in kindergarten through grade 12 (K -12) in the United States and internationally. .

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Udemy Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Udemy, Inc. operates a platform for teaching and learning skills in the United States and internationally. The company is headquartered in San Francisco, California.

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