WallStSmart

TAL Education Group (TAL)vsUnilever PLC ADR (UL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Unilever PLC ADR generates 1578% more annual revenue ($50.50B vs $3.01B). UL leads profitability with a 18.8% profit margin vs 17.6%. TAL appears more attractively valued with a PEG of 0.43. TAL earns a higher WallStSmart Score of 74/100 (B).

TAL

Strong Buy

74

out of 100

Grade: B

Growth: 10.0Profit: 6.5Value: 10.0Quality: 6.0
Piotroski: 4/9

UL

Hold

46

out of 100

Grade: D+

Growth: 2.0Profit: 8.5Value: 4.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

TALUndervalued (+88.3%)

Margin of Safety

+88.3%

Fair Value

$101.86

Current Price

$11.12

$90.74 discount

UndervaluedFair: $101.86Overvalued

Intrinsic value data unavailable for UL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

TAL5 strengths · Avg: 9.6/10
PEG RatioValuation
0.4310/10

Growing faster than its price suggests

P/E RatioValuation
11.7x10/10

Attractively priced relative to earnings

Revenue GrowthGrowth
31.5%10/10

Revenue surging 31.5% year-over-year

EPS GrowthGrowth
536.0%10/10

Earnings expanding 536.0% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

UL4 strengths · Avg: 8.8/10
Return on EquityProfitability
31.0%10/10

Every $100 of equity generates 31 in profit

Market CapQuality
$128.81B9/10

Large-cap with strong market position

Operating MarginProfitability
20.1%8/10

Strong operational efficiency at 20.1%

Free Cash FlowQuality
$5.48B8/10

Generating 5.5B in free cash flow

Areas to Watch

TAL0 concerns · Avg: 0/10

No major concerns identified

UL3 concerns · Avg: 2.0/10
PEG RatioValuation
11.152/10

Expensive relative to growth rate

Revenue GrowthGrowth
-3.2%2/10

Revenue declined 3.2%

EPS GrowthGrowth
-3.4%2/10

Earnings declined 3.4%

Comparative Analysis Report

WallStSmart Research

Bull Case : TAL

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

Bull Case : UL

The strongest argument for UL centers on Return on Equity, Market Cap, Operating Margin. Profitability is solid with margins at 18.8% and operating margin at 20.1%.

Bear Case : TAL

No major red flags identified for TAL, but monitor valuation.

Bear Case : UL

The primary concerns for UL are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

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

UL carries more volatility with a beta of 0.46 — expect wider price swings.

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

UL generates stronger free cash flow (5.5B), providing more financial flexibility.

Bottom Line

TAL scores higher overall (74/100 vs 46/100), 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.

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.

Unilever PLC ADR

CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA

Unilever PLC is a fast moving consumer goods company in Asia, Africa, the Middle East, Turkey, Russia, Ukraine, Belarus, America and Europe. The company is headquartered in London, the United Kingdom.

Want to dig deeper into these stocks?