(TAL) TAL Education - Overview
Exchange: NYSE •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US8740801043
Stock: Tutoring, Online, Books, Apps, Ai
Total Rating 51
Risk 90
Buy Signal -0.22
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 75.7% |
| Relative Tail Risk | -13.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.15 |
| Alpha | -7.80 |
| Character TTM | |
|---|---|
| Beta | 0.483 |
| Beta Downside | 0.799 |
| Drawdowns 3y | |
|---|---|
| Max DD | 51.31% |
| CAGR/Max DD | 0.49 |
Description: TAL TAL Education January 09, 2026
TAL Education Group (NYSE:TAL) is a Beijing-based provider of K-12 after-school tutoring in China. Its core offerings include small-class instruction, premium personalized services, and a suite of digital products such as online courses, smart books, mobile apps, and AI-driven learning devices. The company also runs the online platform xueersi.com, sells educational materials, and offers consulting and software services under the Haoweilai and Think Academy brands.
As of FY 2023, TAL reported revenue of roughly $2.5 billion, down about 12 % year-over-year, reflecting the lingering effects of China’s 2021 tutoring crackdown and a slowdown in enrollment growth. The firm’s net loss widened to $210 million, while cash on hand remained at $1.1 billion, providing a modest liquidity buffer. Key macro drivers include the Chinese government’s continued restriction on for-profit tutoring, an aging-population-induced decline in school-age cohorts, and accelerating digital adoption that is reshaping demand toward low-cost, AI-enabled learning solutions.
For a deeper, data-driven breakdown of TAL’s valuation and risk profile, you may find the analyst notes on ValueRay worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income: 279.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: 79.07% < 20% (prev 131.2%; Δ -52.14% < -1%) |
| CFO/TA 0.25 > 3% & CFO 1.50b > Net Income 279.0m |
| Net Debt (-1.80b) to EBITDA (296.9m): -6.07 < 3 |
| Current Ratio: 2.07 > 1.5 & < 3 |
| Outstanding Shares: last quarter (187.5m) vs 12m ago -69.19% < -2% |
| Gross Margin: 55.24% > 18% (prev 0.54%; Δ 5470 % > 0.5%) |
| Asset Turnover: 48.17% > 50% (prev 35.75%; Δ 12.42% > 0%) |
| Interest Coverage Ratio: 19.35 > 6 (EBITDA TTM 296.9m / Interest Expense TTM 9.53m) |
Altman Z'' 2.41
| A: 0.38 (Total Current Assets 4.31b - Total Current Liabilities 2.08b) / Total Assets 5.92b |
| B: -0.06 (Retained Earnings -334.5m / Total Assets 5.92b) |
| C: 0.03 (EBIT TTM 184.4m / Avg Total Assets 5.85b) |
| D: -0.08 (Book Value of Equity -204.6m / Total Liabilities 2.42b) |
| Altman-Z'' Score: 2.41 = A |
Beneish M -3.61
| DSRI: 0.05 (Receivables 25.0k/387.0k, Revenue 2.82b/2.07b) |
| GMI: 0.97 (GM 55.24% / 53.63%) |
| AQI: 1.30 (AQ_t 0.13 / AQ_t-1 0.10) |
| SGI: 1.36 (Revenue 2.82b / 2.07b) |
| TATA: -0.21 (NI 279.0m - CFO 1.50b) / TA 5.92b) |
| Beneish M-Score: -3.61 (Cap -4..+1) = AAA |
What is the price of TAL shares?
As of February 07, 2026, the stock is trading at USD 12.49 with a total of 3,774,845 shares traded.
Over the past week, the price has changed by -1.65%, over one month by +10.34%, over three months by +3.91% and over the past year by -2.19%.
Over the past week, the price has changed by -1.65%, over one month by +10.34%, over three months by +3.91% and over the past year by -2.19%.
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.
- StrongBuy: 12
- Buy: 7
- Hold: 3
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the TAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 15.3 | 22.8% |
| Analysts Target Price | 15.3 | 22.8% |
| ValueRay Target Price | 13.4 | 7.4% |
TAL Fundamental Data Overview February 01, 2026
P/E Trailing = 26.4583
P/E Forward = 23.5849
P/S = 2.7437
P/B = 2.2087
P/EG = 0.5858
Revenue TTM = 2.82b USD
EBIT TTM = 184.4m USD
EBITDA TTM = 296.9m USD
Long Term Debt = 377.4m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 104.3m USD (from shortTermDebt, last quarter)
Debt = 650.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.80b USD (from netDebt column, last quarter)
Enterprise Value = 6.23b USD (7.73b + Debt 650.4m - CCE 2.15b)
Interest Coverage Ratio = 19.35 (Ebit TTM 184.4m / Interest Expense TTM 9.53m)
EV/FCF = 13.04x (Enterprise Value 6.23b / FCF TTM 477.8m)
FCF Yield = 7.67% (FCF TTM 477.8m / Enterprise Value 6.23b)
FCF Margin = 16.95% (FCF TTM 477.8m / Revenue TTM 2.82b)
Net Margin = 9.89% (Net Income TTM 279.0m / Revenue TTM 2.82b)
Gross Margin = 55.24% ((Revenue TTM 2.82b - Cost of Revenue TTM 1.26b) / Revenue TTM)
Gross Margin QoQ = 56.07% (prev 57.00%)
Tobins Q-Ratio = 1.05 (Enterprise Value 6.23b / Total Assets 5.92b)
Interest Expense / Debt = 2.38% (Interest Expense 15.5m / Debt 650.4m)
Taxrate = 10.50% (15.3m / 146.1m)
NOPAT = 165.1m (EBIT 184.4m * (1 - 10.50%))
Current Ratio = 2.07 (Total Current Assets 4.31b / Total Current Liabilities 2.08b)
Debt / Equity = 0.19 (Debt 650.4m / totalStockholderEquity, last quarter 3.50b)
Debt / EBITDA = -6.07 (Net Debt -1.80b / EBITDA 296.9m)
Debt / FCF = -3.77 (Net Debt -1.80b / FCF TTM 477.8m)
Total Stockholder Equity = 3.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.77% (Net Income 279.0m / Total Assets 5.92b)
RoE = 7.82% (Net Income TTM 279.0m / Total Stockholder Equity 3.57b)
RoCE = 4.67% (EBIT 184.4m / Capital Employed (Equity 3.57b + L.T.Debt 377.4m))
RoIC = 4.63% (NOPAT 165.1m / Invested Capital 3.57b)
WACC = 7.26% (E(7.73b)/V(8.38b) * Re(7.69%) + D(650.4m)/V(8.38b) * Rd(2.38%) * (1-Tc(0.10)))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -43.83%
[DCF Debug] Terminal Value 83.71% ; FCFF base≈481.8m ; Y1≈594.3m ; Y5≈1.01b
Fair Price DCF = 47.53 (EV 20.11b - Net Debt -1.80b = Equity 21.91b / Shares 461.0m; r=7.26% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 77.65 | EPS CAGR: 236.2% | SUE: 2.74 | # QB: 2
Revenue Correlation: 79.84 | Revenue CAGR: 9.93% | SUE: 0.18 | # QB: 0
EPS next Quarter (2026-05-31): EPS=0.12 | Chg30d=+0.059 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-02-28): EPS=0.70 | Chg30d=+0.099 | Revisions Net=-2 | Growth EPS=+0.1% | Growth Revenue=+23.3%
P/E Forward = 23.5849
P/S = 2.7437
P/B = 2.2087
P/EG = 0.5858
Revenue TTM = 2.82b USD
EBIT TTM = 184.4m USD
EBITDA TTM = 296.9m USD
Long Term Debt = 377.4m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 104.3m USD (from shortTermDebt, last quarter)
Debt = 650.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.80b USD (from netDebt column, last quarter)
Enterprise Value = 6.23b USD (7.73b + Debt 650.4m - CCE 2.15b)
Interest Coverage Ratio = 19.35 (Ebit TTM 184.4m / Interest Expense TTM 9.53m)
EV/FCF = 13.04x (Enterprise Value 6.23b / FCF TTM 477.8m)
FCF Yield = 7.67% (FCF TTM 477.8m / Enterprise Value 6.23b)
FCF Margin = 16.95% (FCF TTM 477.8m / Revenue TTM 2.82b)
Net Margin = 9.89% (Net Income TTM 279.0m / Revenue TTM 2.82b)
Gross Margin = 55.24% ((Revenue TTM 2.82b - Cost of Revenue TTM 1.26b) / Revenue TTM)
Gross Margin QoQ = 56.07% (prev 57.00%)
Tobins Q-Ratio = 1.05 (Enterprise Value 6.23b / Total Assets 5.92b)
Interest Expense / Debt = 2.38% (Interest Expense 15.5m / Debt 650.4m)
Taxrate = 10.50% (15.3m / 146.1m)
NOPAT = 165.1m (EBIT 184.4m * (1 - 10.50%))
Current Ratio = 2.07 (Total Current Assets 4.31b / Total Current Liabilities 2.08b)
Debt / Equity = 0.19 (Debt 650.4m / totalStockholderEquity, last quarter 3.50b)
Debt / EBITDA = -6.07 (Net Debt -1.80b / EBITDA 296.9m)
Debt / FCF = -3.77 (Net Debt -1.80b / FCF TTM 477.8m)
Total Stockholder Equity = 3.57b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.77% (Net Income 279.0m / Total Assets 5.92b)
RoE = 7.82% (Net Income TTM 279.0m / Total Stockholder Equity 3.57b)
RoCE = 4.67% (EBIT 184.4m / Capital Employed (Equity 3.57b + L.T.Debt 377.4m))
RoIC = 4.63% (NOPAT 165.1m / Invested Capital 3.57b)
WACC = 7.26% (E(7.73b)/V(8.38b) * Re(7.69%) + D(650.4m)/V(8.38b) * Rd(2.38%) * (1-Tc(0.10)))
Discount Rate = 7.69% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -33.33 | Cagr: -43.83%
[DCF Debug] Terminal Value 83.71% ; FCFF base≈481.8m ; Y1≈594.3m ; Y5≈1.01b
Fair Price DCF = 47.53 (EV 20.11b - Net Debt -1.80b = Equity 21.91b / Shares 461.0m; r=7.26% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 77.65 | EPS CAGR: 236.2% | SUE: 2.74 | # QB: 2
Revenue Correlation: 79.84 | Revenue CAGR: 9.93% | SUE: 0.18 | # QB: 0
EPS next Quarter (2026-05-31): EPS=0.12 | Chg30d=+0.059 | Revisions Net=-1 | Analysts=1
EPS next Year (2027-02-28): EPS=0.70 | Chg30d=+0.099 | Revisions Net=-2 | Growth EPS=+0.1% | Growth Revenue=+23.3%