WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 33219% more annual revenue ($3.19B vs $9.58M). TAL leads profitability with a 28.4% profit margin vs -2.6%. AMBO appears more attractively valued with a PEG of 0.12. TAL earns a higher WallStSmart Score of 78/100 (B+).

AMBO

Hold

50

out of 100

Grade: D+

Growth: 4.7Profit: 5.0Value: 6.7Quality: 5.0
Piotroski: 4/9Altman Z: -33.05

TAL

Strong Buy

78

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 7.3Quality: 7.5
Piotroski: 5/9Altman Z: 2.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for AMBO.

TALUndervalued (+89.7%)

Margin of Safety

+89.7%

Fair Value

$114.94

Current Price

$11.81

$103.13 discount

UndervaluedFair: $114.94Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

AMBO4 strengths · Avg: 10.0/10
PEG RatioValuation
0.1210/10

Growing faster than its price suggests

Price/BookValuation
0.7x10/10

Reasonable price relative to book value

Return on EquityProfitability
233.4%10/10

Every $100 of equity generates 233 in profit

EPS GrowthGrowth
289.5%10/10

Earnings expanding 289.5% YoY

TAL6 strengths · Avg: 9.5/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
31.9%10/10

Revenue surging 31.9% year-over-year

EPS GrowthGrowth
1360.0%10/10

Earnings expanding 1360.0% YoY

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

Price/BookValuation
1.6x8/10

Reasonable price relative to book value

Areas to Watch

AMBO4 concerns · Avg: 2.8/10
Market CapQuality
$5.98M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
1.4%3/10

Operating margin of 1.4%

Debt/EquityHealth
1.023/10

Elevated debt levels

Revenue GrowthGrowth
-13.5%2/10

Revenue declined 13.5%

TAL1 concerns · Avg: 2.0/10
PEG RatioValuation
2.792/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : AMBO

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

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 : AMBO

The primary concerns for AMBO are Market Cap, Operating Margin, Debt/Equity.

Bear Case : TAL

The primary concerns for TAL are PEG Ratio.

Key Dynamics to Monitor

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

AMBO carries more volatility with a beta of 0.83 — 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 50/100), backed by strong 28.4% margins and 31.9% revenue growth. Both earn "Strong Buy" and "Hold" 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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