Overview Dividends

(TAL) TAL Education - Ratings and Ratios

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US8740801043

Tutoring,Online,Courses,Books,Apps

TAL EPS (Earnings per Share)

EPS Growth (3Y CAGR): 20.51%

TAL Revenue

Revenue Growth (3Y CAGR): 25.16%
Revenue Trend (3Y Correlation): 92.7%

Description: TAL TAL Education

TAL Education Group is a leading provider of K-12 after-school tutoring services in China, offering a range of learning services including small class instruction, personalized premium services, and online courses. The companys diverse service portfolio also includes learning content solutions, such as educational materials and AI-driven learning devices, which are sold under the Haoweilai and Think Academy brands.

From a business perspective, TAL Education Group has demonstrated significant scale and reach, with a strong online presence through its xueersi.com platform. The companys diversified revenue streams, including investment management and consulting services, software development, and educational materials sales, contribute to its overall financial stability. Key performance indicators (KPIs) to watch include revenue growth, student enrollment numbers, and the proportion of revenue derived from online services.

In terms of financial health, TAL Education Groups market capitalization stands at approximately $6.5 billion, with a forward price-to-earnings ratio of 27.25, indicating expectations of future earnings growth. Return on Equity (RoE) is currently at 2.25%, a metric that warrants further analysis to understand the companys profitability in relation to shareholder equity. Other relevant KPIs include the companys operating margin, cash flow generation, and debt-to-equity ratio, which can provide insight into TALs financial leverage and ability to invest in growth initiatives.

To further evaluate TAL Education Groups investment potential, its essential to monitor the companys ability to navigate Chinas regulatory environment, which has faced increased scrutiny in recent years. Additionally, the competitive landscape of Chinas K-12 tutoring market and TALs market share, as well as its ability to innovate and expand its service offerings, will be crucial in determining the companys long-term growth prospects.

TAL Stock Overview

Market Cap in USD	6,742m
Sub-Industry	Education Services
IPO / Inception	2010-10-20

TAL Stock Ratings

Growth Rating	-34.9
Fundamental	56.7%
Dividend Rating	0.19
Rel. Strength	8.03
Analysts	4.30 of 5
Fair Price Momentum	10.43 USD
Fair Price DCF	25.43 USD

TAL Dividends

Currently no dividends paid

TAL Growth Ratios

Growth Correlation 3m	23.3%
Growth Correlation 12m	29.4%
Growth Correlation 5y	-1%
CAGR 5y	-31.61%
CAGR/Max DD 5y	-0.32
Sharpe Ratio 12m	0.08
Alpha	15.20
Beta	0.578
Volatility	49.81%
Current Volume	4502.2k
Average Volume 20d	5352.4k
Stop Loss	10.9 (-4.7%)
Signal	0.88

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (104.6m TTM) > 0 and > 6% of Revenue (6% = 144.8m TTM)

FCFTA 0.05 (>2.0%) and ΔFCFTA -0.94pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 94.25% (prev 159.1%; Δ -64.88pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 549.1m > Net Income 104.6m (YES >=105%, WARN >=100%)

Net Debt (-1.15b) to EBITDA (47.6m) ratio: -24.19 <= 3.0 (WARN <= 3.5)

Current Ratio 2.25 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (1.84b) change vs 12m ago 202.3% (target <= -2.0% for YES)

Gross Margin 53.98% (prev 54.28%; Δ -0.30pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 43.79% (prev 30.72%; Δ 13.07pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

error: Interest Coverage Ratio cannot be calculated (needs EBITDA TTM and Interest Expense TTM)

Altman Z'' 2.10

(A) 0.40 = (Total Current Assets 4.10b - Total Current Liabilities 1.83b) / Total Assets 5.72b

(B) -0.10 = Retained Earnings (Balance) -591.2m / Total Assets 5.72b

(D) -0.22 = Book Value of Equity -481.0m / Total Liabilities 2.14b

Total Rating: 2.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.71

1. Piotroski 3.50pt = -1.50

2. FCF Yield 5.13% = 2.56

3. FCF Margin 11.84% = 2.96

4. Debt/Equity 0.03 = 2.50

5. Debt/Ebitda 2.07 = -0.13

6. ROIC - WACC -7.28% = -9.10

7. RoE 2.81% = 0.23

8. Rev. Trend 92.73% = 4.64

9. Rev. CAGR 25.16% = 2.50

10. EPS Trend data missing

11. EPS CAGR 20.51% = 2.05

What is the price of TAL shares?

As of August 17, 2025, the stock is trading at USD 11.44 with a total of 4,502,211 shares traded.
Over the past week, the price has changed by -0.09%, over one month by +7.32%, over three months by +12.60% and over the past year by +27.25%.

Is TAL Education a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, TAL Education is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 56.71 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of TAL is around 10.43 USD . This means that TAL is currently overvalued and has a potential downside of -8.83%.

Is TAL a buy, sell or hold?

TAL Education has received a consensus analysts rating of 4.30. Therefore, it is recommended to buy TAL.

Strong Buy: 12
Buy: 7
Hold: 3
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the TAL price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	13	13.5%
Analysts Target Price	12.4	8.1%
ValueRay Target Price	11.6	1.3%

Last update: 2025-08-13 02:53

TAL Fundamental Data Overview

Market Cap USD = 6.74b (6.74b USD * 1.0 USD.USD)
CCE Cash And Equivalents = 1.27b USD (last quarter)
P/E Trailing = 65.1765
P/E Forward = 29.1545
P/S = 2.7965
P/B = 1.9514
P/EG = 0.7728
Beta = 0.065
Revenue TTM = 2.41b USD
EBIT TTM = 47.3m USD
EBITDA TTM = 47.6m USD
Long Term Debt = unknown (0.0)
Short Term Debt = 98.5m USD (from shortTermDebt, last quarter)
Debt = 98.5m USD (Calculated: Short Term 98.5m + Long Term 0.0)
Net Debt = -1.15b USD (from netDebt column, last quarter)
Enterprise Value = 5.57b USD (6.74b + Debt 98.5m - CCE 1.27b)
Interest Coverage Ratio = unknown (Ebit TTM 47.3m / Interest Expense TTM 0.0)
FCF Yield = 5.13% (FCF TTM 285.7m / Enterprise Value 5.57b)
FCF Margin = 11.84% (FCF TTM 285.7m / Revenue TTM 2.41b)
Net Margin = 4.33% (Net Income TTM 104.6m / Revenue TTM 2.41b)
Gross Margin = 53.98% ((Revenue TTM 2.41b - Cost of Revenue TTM 1.11b) / Revenue TTM)
Tobins Q-Ratio = -11.59 (set to none) (Enterprise Value 5.57b / Book Value Of Equity -481.0m)
Interest Expense / Debt = 15.69% (Interest Expense 15.5m / Debt 98.5m)
Taxrate = 29.01% (from yearly Income Tax Expense: 38.3m / 132.1m)
NOPAT = 33.6m (EBIT 47.3m * (1 - 29.01%))
Current Ratio = 2.25 (Total Current Assets 4.10b / Total Current Liabilities 1.83b)
Debt / Equity = 0.03 (Debt 98.5m / last Quarter total Stockholder Equity 3.57b)
Debt / EBITDA = 2.07 (Net Debt -1.15b / EBITDA 47.6m)
Debt / FCF = 0.34 (Debt 98.5m / FCF TTM 285.7m)
Total Stockholder Equity = 3.72b (last 4 quarters mean)
RoA = 1.83% (Net Income 104.6m, Total Assets 5.72b )
RoE = 2.81% (Net Income TTM 104.6m / Total Stockholder Equity 3.72b)
RoCE = 1.27% (Ebit 47.3m / (Equity 3.72b + L.T.Debt 0.0))
RoIC = 0.90% (NOPAT 33.6m / Invested Capital 3.73b)
WACC = 8.18% (E(6.74b)/V(6.84b) * Re(8.14%)) + (D(98.5m)/V(6.84b) * Rd(15.69%) * (1-Tc(0.29)))
Shares Correlation 5-Years: 10.0 | Cagr: 23.66%
Discount Rate = 8.14% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 81.61% ; FCFE base≈297.3m ; Y1≈380.4m ; Y5≈706.1m
Fair Price DCF = 25.43 (DCF Value 11.72b / Shares Outstanding 461.0m; 5y FCF grow 30.0% → 3.0% )
Revenue Correlation: 92.73 | Revenue CAGR: 25.16%
Revenue Growth Correlation: -27.76%
EPS Correlation: N/A | EPS CAGR: 20.51%
EPS Growth Correlation: -2.35%

Additional Sources for TAL Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle