WallStSmart

Ambow Education Holding Ltd (AMBO)vsTAL Education Group (TAL)

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Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 29647% more annual revenue ($2.82B vs $9.47M). AMBO leads profitability with a 14.3% profit margin vs 9.9%. AMBO appears more attractively valued with a PEG of 0.12. TAL earns a higher WallStSmart Score of 68/100 (B-).

AMBO

Buy

62

out of 100

Grade: C+

Growth: 3.3Profit: 5.0Value: 10.0Quality: 6.0
Piotroski: 3/9Altman Z: -238.28

TAL

Strong Buy

68

out of 100

Grade: B-

Growth: 5.3Profit: 5.0Value: 10.0Quality: 6.3
Piotroski: 3/9Altman Z: 2.13
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

AMBOUndervalued (+88.3%)

Margin of Safety

+88.3%

Fair Value

$22.00

Current Price

$1.93

$20.07 discount

UndervaluedFair: $22.00Overvalued
TALUndervalued (+47.1%)

Margin of Safety

+47.1%

Fair Value

$22.46

Current Price

$11.30

$11.16 discount

UndervaluedFair: $22.46Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMBO3 strengths · Avg: 10.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

P/E RatioValuation
4.3x10/10

Attractively priced relative to earnings

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

TAL3 strengths · Avg: 8.7/10
PEG RatioValuation
0.4610/10

Growing faster than its price suggests

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
27.0%8/10

Revenue surging 27.0% year-over-year

Areas to Watch

AMBO4 concerns · Avg: 2.5/10
Market CapQuality
$5.81M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Revenue GrowthGrowth
-5.0%2/10

Revenue declined 5.0%

Altman Z-ScoreHealth
-238.282/10

Distress zone — elevated risk

TAL2 concerns · Avg: 3.0/10
Return on EquityProfitability
7.7%3/10

ROE of 7.7% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Comparative Analysis Report

WallStSmart Research

Bull Case : AMBO

The strongest argument for AMBO centers on PEG Ratio, P/E Ratio, Price/Book. PEG of 0.12 suggests the stock is reasonably priced for its growth.

Bull Case : TAL

The strongest argument for TAL centers on PEG Ratio, Price/Book, Revenue Growth. Revenue growth of 27.0% demonstrates continued momentum. PEG of 0.46 suggests the stock is reasonably priced for its growth.

Bear Case : AMBO

The primary concerns for AMBO are Market Cap, Piotroski F-Score, Revenue Growth.

Bear Case : TAL

The primary concerns for TAL are Return on Equity, Piotroski F-Score.

Key Dynamics to Monitor

AMBO profiles as a declining stock while TAL is a growth play — different risk/reward profiles.

AMBO carries more volatility with a beta of 1.04 — expect wider price swings.

TAL is growing revenue faster at 27.0% — sustainability is the question.

TAL generates stronger free cash flow (816M), providing more financial flexibility.

Bottom Line

TAL scores higher overall (68/100 vs 62/100) and 27.0% revenue growth. AMBO offers better value entry with a 88.3% margin of safety. 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.

Ambow Education Holding Ltd

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · China

Ambow Education Holding Ltd. provides a range of educational and career enhancement products and services to students, recent graduates, corporate employees, and management professionals in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.

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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