Is TAL or UTI more undervalued in 2026?

CirclFi compares TAL Education Group (TAL) and Universal Technical Institute I (UTI) using 13 institutional-grade valuation models. TAL has a Quality of Company score of 2.7/10 while UTI scores 7.6/10.

Which is a better buy — TAL or UTI?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do TAL and UTI valuations compare?

TAL at $9.76 and UTI at $39.03 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

TAL vs UTI Valuation Comparison 2026 — Intrinsic Value Analysis

TAL

Education & Training Services

TAL Education Group

Quality

2.7

out of 10

Value Trap

—

Price

$9.76

Last close

Models

13/13

Active

UTI

Education & Training Services

Universal Technical Institute I

Quality

7.6

out of 10

Value Trap

SAFE

Price

$39.03

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	TAL Fair Value	TAL Upside	UTI Fair Value	UTI Upside
Bayesian DCF	Intrinsic	$2.25	-77.0%	$16.05	-58.9%
Earnings Power Value	Intrinsic	$12.14	+8.7%	$1.56	-96.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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TAL vs UTI — Which Stock Is More Undervalued?

UTI scores higher with a 7.6/10 quality rating vs TAL's 2.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing TAL Education Group (TAL) and Universal Technical Institute I (UTI) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

TAL currently trades at $9.76 with a QOC of 2.7/10, while UTI trades at $39.03 with a QOC of 7.6/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).