TAL Education Group (TAL)vsUdemy Inc (UDMY)
TAL
TAL Education Group
$11.30
+2.26%
CONSUMER DEFENSIVE · Cap: $6.72B
UDMY
Udemy Inc
$4.64
+3.34%
CONSUMER DEFENSIVE · Cap: $652.94M
Smart Verdict
WallStSmart Research — data-driven comparison
TAL Education Group generates 257% more annual revenue ($2.82B vs $789.84M). TAL leads profitability with a 9.9% profit margin vs 0.5%. TAL trades at a lower P/E of 23.0x. TAL earns a higher WallStSmart Score of 68/100 (B-).
TAL
Strong Buy68
out of 100
Grade: B-
UDMY
Avoid35
out of 100
Grade: F
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+47.1%
Fair Value
$22.46
Current Price
$11.30
$11.16 discount
Margin of Safety
-2210.0%
Fair Value
$0.20
Current Price
$4.64
$4.44 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Revenue surging 27.0% year-over-year
No standout strengths identified
Areas to Watch
ROE of 7.7% — below average capital efficiency
Weak financial health signals
0.0% earnings growth
Smaller company, higher risk/reward
ROE of 1.9% — below average capital efficiency
0.5% margin — thin
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : UDMY
UDMY has a balanced fundamental profile.
Bear Case : TAL
The primary concerns for TAL are Return on Equity, Piotroski F-Score.
Bear Case : UDMY
The primary concerns for UDMY are EPS Growth, Market Cap, Return on Equity. A P/E of 149.7x leaves little room for execution misses. Thin 0.5% margins leave little buffer for downturns.
Key Dynamics to Monitor
TAL profiles as a growth stock while UDMY is a value play — different risk/reward profiles.
UDMY carries more volatility with a beta of 1.70 — 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 35/100) and 27.0% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
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.
Udemy Inc
CONSUMER DEFENSIVE · EDUCATION & TRAINING SERVICES · USA
Udemy, Inc. operates a platform for teaching and learning skills in the United States and internationally. The company is headquartered in San Francisco, California.
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