Afya Ltd (AFYA)vsTAL Education Group (TAL)
AFYA
Afya Ltd
$13.89
+2.36%
CONSUMER DEFENSIVE · Cap: $1.22B
TAL
TAL Education Group
$11.81
+2.70%
CONSUMER DEFENSIVE · Cap: $6.88B
Smart Verdict
WallStSmart Research — data-driven comparison
Afya Ltd generates 20% more annual revenue ($3.83B vs $3.19B). TAL leads profitability with a 28.4% profit margin vs 20.4%. TAL trades at a lower P/E of 7.8x. TAL earns a higher WallStSmart Score of 78/100 (B+).
AFYA
Strong Buy66
out of 100
Grade: B-
TAL
Strong Buy78
out of 100
Grade: B+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+74.2%
Fair Value
$59.99
Current Price
$13.89
$46.10 discount
Margin of Safety
+89.7%
Fair Value
$114.94
Current Price
$11.81
$103.13 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 30.6%
Keeps 20 of every $100 in revenue as profit
Attractively priced relative to earnings
Revenue surging 31.9% year-over-year
Earnings expanding 1360.0% YoY
Conservative balance sheet, low leverage
Keeps 28 of every $100 in revenue as profit
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
Expensive relative to growth rate
Comparative Analysis Report
WallStSmart ResearchBull Case : AFYA
The strongest argument for AFYA centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 20.4% and operating margin at 30.6%.
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 : AFYA
The primary concerns for AFYA are Market Cap.
Bear Case : TAL
The primary concerns for TAL are PEG Ratio.
Key Dynamics to Monitor
AFYA profiles as a mature stock while TAL is a growth play — different risk/reward profiles.
AFYA carries more volatility with a beta of 0.38 — expect wider price swings.
TAL is growing revenue faster at 31.9% — sustainability is the question.
TAL generates stronger free cash flow (478M), providing more financial flexibility.
Bottom Line
TAL scores higher overall (78/100 vs 66/100), backed by strong 28.4% margins and 31.9% revenue growth. AFYA offers better value entry with a 74.2% margin of safety. Both earn "Strong Buy" and "Strong 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.
Afya Ltd
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Afya Limited, is a medical education group in Brazil. The company is headquartered in Nova Lima, Brazil.
Visit Website →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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