WallStSmart

Lincoln Educational Services (LINC)vsTAL Education Group (TAL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

TAL Education Group generates 452% more annual revenue ($3.01B vs $544.69M). TAL leads profitability with a 17.6% profit margin vs 4.1%. LINC appears more attractively valued with a PEG of 4.05. TAL earns a higher WallStSmart Score of 68/100 (B-).

LINC

Hold

49

out of 100

Grade: D+

Growth: 8.7Profit: 5.0Value: 3.0Quality: 4.5
Piotroski: 4/9Altman Z: 1.90

TAL

Strong Buy

68

out of 100

Grade: B-

Growth: 10.0Profit: 6.5Value: 7.3Quality: 7.3
Piotroski: 5/9
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for LINC.

TALUndervalued (+87.9%)

Margin of Safety

+87.9%

Fair Value

$98.36

Current Price

$9.56

$88.80 discount

UndervaluedFair: $98.36Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

LINC2 strengths · Avg: 9.0/10
EPS GrowthGrowth
133.2%10/10

Earnings expanding 133.2% YoY

Revenue GrowthGrowth
22.5%8/10

Revenue surging 22.5% year-over-year

TAL5 strengths · Avg: 9.8/10
P/E RatioValuation
10.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
31.5%10/10

Revenue surging 31.5% year-over-year

EPS GrowthGrowth
536.0%10/10

Earnings expanding 536.0% YoY

Debt/EquityHealth
0.109/10

Conservative balance sheet, low leverage

Areas to Watch

LINC4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.904/10

Grey zone — moderate risk

Market CapQuality
$1.47B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
4.1%3/10

4.1% margin — thin

Operating MarginProfitability
4.5%3/10

Operating margin of 4.5%

TAL1 concerns · Avg: 2.0/10
PEG RatioValuation
10.462/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : LINC

The strongest argument for LINC centers on EPS Growth, Revenue Growth. Revenue growth of 22.5% demonstrates continued momentum.

Bull Case : TAL

The strongest argument for TAL centers on P/E Ratio, Price/Book, Revenue Growth. Profitability is solid with margins at 17.6% and operating margin at 9.0%. Revenue growth of 31.5% demonstrates continued momentum.

Bear Case : LINC

The primary concerns for LINC are Altman Z-Score, Market Cap, Profit Margin. A P/E of 66.4x leaves little room for execution misses. Thin 4.1% margins leave little buffer for downturns.

Bear Case : TAL

The primary concerns for TAL are PEG Ratio.

Key Dynamics to Monitor

LINC carries more volatility with a beta of 0.80 — expect wider price swings.

TAL is growing revenue faster at 31.5% — sustainability is the question.

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

Monitor EDUCATION & TRAINING SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

TAL scores higher overall (68/100 vs 49/100), backed by strong 17.6% margins and 31.5% 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.

Lincoln Educational Services

CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA

Lincoln Educational Services Corporation offers various career-oriented postsecondary education services to high school graduates and working adults in the United States. The company is headquartered in West Orange, New Jersey.

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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