WallStSmart

Procter & Gamble Company (PG)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Procter & Gamble Company generates 2782% more annual revenue ($86.72B vs $3.01B). PG leads profitability with a 19.2% profit margin vs 17.6%. TAL appears more attractively valued with a PEG of 0.43. TAL earns a higher WallStSmart Score of 74/100 (B).

PG

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 8.5Value: 3.3Quality: 6.0
Piotroski: 4/9Altman Z: 3.01

TAL

Strong Buy

74

out of 100

Grade: B

Growth: 10.0Profit: 6.5Value: 10.0Quality: 6.0
Piotroski: 4/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PGSignificantly Overvalued (-37.3%)

Margin of Safety

-37.3%

Fair Value

$107.17

Current Price

$146.46

$39.29 premium

UndervaluedFair: $107.17Overvalued
TALUndervalued (+88.3%)

Margin of Safety

+88.3%

Fair Value

$101.86

Current Price

$11.12

$90.74 discount

UndervaluedFair: $101.86Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PG5 strengths · Avg: 9.2/10
Market CapQuality
$342.51B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
31.1%10/10

Every $100 of equity generates 31 in profit

Altman Z-ScoreHealth
3.0110/10

Safe zone — low bankruptcy risk

Operating MarginProfitability
23.1%8/10

Strong operational efficiency at 23.1%

Free Cash FlowQuality
$3.03B8/10

Generating 3.0B in free cash flow

TAL5 strengths · Avg: 9.6/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
31.5%10/10

Revenue surging 31.5% year-over-year

EPS GrowthGrowth
536.0%10/10

Earnings expanding 536.0% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

PG1 concerns · Avg: 2.0/10
PEG RatioValuation
4.082/10

Expensive relative to growth rate

TAL0 concerns · Avg: 0/10

No major concerns identified

Comparative Analysis Report

WallStSmart Research

Bull Case : PG

The strongest argument for PG centers on Market Cap, Return on Equity, Altman Z-Score. Profitability is solid with margins at 19.2% and operating margin at 23.1%.

Bull Case : TAL

The strongest argument for TAL centers on PEG Ratio, P/E Ratio, 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 : PG

The primary concerns for PG are PEG Ratio.

Bear Case : TAL

No major red flags identified for TAL, but monitor valuation.

Key Dynamics to Monitor

PG profiles as a mature stock while TAL is a growth play — different risk/reward profiles.

PG carries more volatility with a beta of 0.40 — expect wider price swings.

TAL is growing revenue faster at 31.5% — sustainability is the question.

PG generates stronger free cash flow (3.0B), providing more financial flexibility.

Bottom Line

TAL scores higher overall (74/100 vs 61/100), backed by strong 17.6% margins and 31.5% revenue growth. Both earn "Strong Buy" and "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.

Procter & Gamble Company

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

The Procter & Gamble Company (P&G) is an American multinational consumer goods corporation headquartered in Cincinnati, Ohio, founded in 1837 by William Procter and James Gamble. It specializes in a wide range of personal health, consumer health, personal care, and hygiene products; these products are organized into several segments including Beauty; Grooming; Health Care; Fabric & Home Care; and Baby, Feminine, & Family Care. Before the sale of Pringles to Kellogg's, its product portfolio also included food, snacks, and beverages.

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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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