WallStSmart

TAL Education Group (TAL)vsWah Fu Education Group Ltd (WAFU)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 46579% more annual revenue ($3.01B vs $6.45M). TAL leads profitability with a 17.6% profit margin vs -1.3%. TAL earns a higher WallStSmart Score of 68/100 (B-).

TAL

Strong Buy

68

out of 100

Grade: B-

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

WAFU

Avoid

31

out of 100

Grade: F

Growth: 3.3Profit: 2.5Value: 5.0Quality: 9.0
Piotroski: 4/9Altman Z: 3.58
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TALUndervalued (+87.9%)

Margin of Safety

+87.9%

Fair Value

$98.36

Current Price

$9.56

$88.80 discount

UndervaluedFair: $98.36Overvalued

Intrinsic value data unavailable for WAFU.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

WAFU3 strengths · Avg: 10.0/10
Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

Areas to Watch

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

Expensive relative to growth rate

WAFU4 concerns · Avg: 2.0/10
Market CapQuality
$7.32M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-11.2%2/10

ROE of -11.2% — below average capital efficiency

EPS GrowthGrowth
-73.7%2/10

Earnings declined 73.7%

Profit MarginProfitability
-1.3%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

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.

Bull Case : WAFU

The strongest argument for WAFU centers on Price/Book, Debt/Equity, Altman Z-Score.

Bear Case : TAL

The primary concerns for TAL are PEG Ratio.

Bear Case : WAFU

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

Key Dynamics to Monitor

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

WAFU carries more volatility with a beta of 1.04 — 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.

Bottom Line

TAL scores higher overall (68/100 vs 31/100), backed by strong 17.6% margins and 31.5% 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.

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.

Wah Fu Education Group Ltd

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China

Wah Fu Education Group Limited, provides online exam preparation services and related technology solutions in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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