WallStSmart

Wah Fu Education Group Ltd (WAFU)vsWalmart Inc. (WMT)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Walmart Inc. generates 11063724% more annual revenue ($713.16B vs $6.45M). WMT leads profitability with a 3.1% profit margin vs -1.3%. WMT earns a higher WallStSmart Score of 43/100 (D).

WAFU

Avoid

31

out of 100

Grade: F

Growth: 3.3Profit: 3.0Value: 6.7Quality: 9.0
Piotroski: 4/9Altman Z: 3.58

WMT

Hold

43

out of 100

Grade: D

Growth: 4.7Profit: 5.5Value: 3.7Quality: 6.0
Piotroski: 4/9Altman Z: 3.62
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

WAFUUndervalued (+49.4%)

Margin of Safety

+49.4%

Fair Value

$3.42

Current Price

$1.63

$1.79 discount

UndervaluedFair: $3.42Overvalued

Intrinsic value data unavailable for WMT.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Reasonable price relative to book value

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
3.5810/10

Safe zone — low bankruptcy risk

WMT4 strengths · Avg: 9.3/10
Market CapQuality
$1.02T10/10

Mega-cap, among the largest globally

Altman Z-ScoreHealth
3.6210/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Free Cash FlowQuality
$6.10B8/10

Generating 6.1B in free cash flow

Areas to Watch

WAFU4 concerns · Avg: 2.3/10
Market CapQuality
$7.16M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.3%3/10

ROE of 1.3% — below average capital efficiency

EPS GrowthGrowth
-73.7%2/10

Earnings declined 73.7%

Profit MarginProfitability
-1.3%1/10

Currently unprofitable

WMT4 concerns · Avg: 3.0/10
Price/BookValuation
10.6x4/10

Trading at 10.6x book value

Profit MarginProfitability
3.1%3/10

3.1% margin — thin

Operating MarginProfitability
4.6%3/10

Operating margin of 4.6%

PEG RatioValuation
4.782/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : WAFU

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

Bull Case : WMT

The strongest argument for WMT centers on Market Cap, Altman Z-Score, Return on Equity.

Bear Case : WAFU

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

Bear Case : WMT

The primary concerns for WMT are Price/Book, Profit Margin, Operating Margin. A P/E of 46.9x leaves little room for execution misses. Thin 3.1% margins leave little buffer for downturns.

Key Dynamics to Monitor

WAFU profiles as a turnaround stock while WMT is a value play — different risk/reward profiles.

WAFU carries more volatility with a beta of 0.95 — expect wider price swings.

WAFU is growing revenue faster at 9.3% — sustainability is the question.

WMT generates stronger free cash flow (6.1B), providing more financial flexibility.

Bottom Line

WMT scores higher overall (43/100 vs 31/100). WAFU offers better value entry with a 49.4% margin of safety. Both earn "Hold" 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.

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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Walmart Inc.

CONSUMER DEFENSIVE · DISCOUNT STORES · USA

Walmart Inc. is an American multinational retail corporation that operates a chain of hypermarkets, discount department stores, and grocery stores from the United States, headquartered in Bentonville, Arkansas. It also owns and operates Sam's Club retail warehouses.

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