WallStSmart

Coursera Inc (COUR)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 261% more annual revenue ($3.19B vs $885.40M). TAL leads profitability with a 28.4% profit margin vs -15.4%. TAL earns a higher WallStSmart Score of 76/100 (B+).

COUR

Hold

43

out of 100

Grade: D

Growth: 7.3Profit: 2.0Value: 6.7Quality: 7.0
Piotroski: 5/9Altman Z: 1.03

TAL

Strong Buy

76

out of 100

Grade: B+

Growth: 10.0Profit: 7.5Value: 7.3Quality: 8.0
Piotroski: 5/9Altman Z: 2.33
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

COURUndervalued (+40.5%)

Margin of Safety

+40.5%

Fair Value

$9.65

Current Price

$5.81

$3.84 discount

UndervaluedFair: $9.65Overvalued
TALUndervalued (+89.8%)

Margin of Safety

+89.8%

Fair Value

$116.27

Current Price

$12.09

$104.18 discount

UndervaluedFair: $116.27Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

COUR3 strengths · Avg: 10.0/10
Price/BookValuation
1.2x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
59.6%10/10

Revenue surging 59.6% year-over-year

Debt/EquityHealth
0.0110/10

Conservative balance sheet, low leverage

TAL6 strengths · Avg: 9.3/10
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

Profit MarginProfitability
28.4%9/10

Keeps 28 of every $100 in revenue as profit

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

COUR4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$1.69B3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-10.1%2/10

ROE of -10.1% — below average capital efficiency

Altman Z-ScoreHealth
1.032/10

Distress zone — elevated risk

TAL2 concerns · Avg: 2.0/10
PEG RatioValuation
13.072/10

Expensive relative to growth rate

Free Cash FlowQuality
$-429.09M2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : COUR

The strongest argument for COUR centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 59.6% demonstrates continued momentum.

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 : COUR

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

Bear Case : TAL

The primary concerns for TAL are PEG Ratio, Free Cash Flow.

Key Dynamics to Monitor

COUR profiles as a hypergrowth stock while TAL is a growth play — different risk/reward profiles.

COUR carries more volatility with a beta of 1.23 — expect wider price swings.

COUR is growing revenue faster at 59.6% — sustainability is the question.

COUR generates stronger free cash flow (14M), providing more financial flexibility.

Bottom Line

TAL scores higher overall (76/100 vs 43/100), backed by strong 28.4% margins and 31.9% revenue growth. COUR offers better value entry with a 40.5% margin of safety. 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.

Coursera Inc

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Coursera, Inc. operates an online educational content platform that connects students, educators, and institutions. The company is headquartered in Mountain View, California.

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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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