WallStSmart

Carnival Corporation (CCL)vsFidelity National Information Services Inc (FIS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Carnival Corporation generates 149% more annual revenue ($26.62B vs $10.68B). CCL leads profitability with a 10.4% profit margin vs 3.6%. FIS appears more attractively valued with a PEG of 0.28. CCL earns a higher WallStSmart Score of 72/100 (B).

CCL

Strong Buy

72

out of 100

Grade: B

Growth: 8.7Profit: 7.0Value: 10.0Quality: 3.0
Piotroski: 5/9Altman Z: 0.89

FIS

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 4.7Quality: 5.0
Piotroski: 5/9Altman Z: -0.02
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CCLUndervalued (+65.0%)

Margin of Safety

+65.0%

Fair Value

$94.54

Current Price

$25.73

$68.81 discount

UndervaluedFair: $94.54Overvalued
FISSignificantly Overvalued (-41.4%)

Margin of Safety

-41.4%

Fair Value

$34.16

Current Price

$47.60

$13.44 premium

UndervaluedFair: $34.16Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CCL4 strengths · Avg: 8.3/10
Return on EquityProfitability
25.6%9/10

Every $100 of equity generates 26 in profit

P/E RatioValuation
12.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.7x8/10

Reasonable price relative to book value

EPS GrowthGrowth
35.8%8/10

Earnings expanding 35.8% YoY

FIS4 strengths · Avg: 9.0/10
PEG RatioValuation
0.2810/10

Growing faster than its price suggests

EPS GrowthGrowth
88.1%10/10

Earnings expanding 88.1% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.6%8/10

Strong operational efficiency at 24.6%

Areas to Watch

CCL2 concerns · Avg: 1.5/10
Altman Z-ScoreHealth
0.892/10

Distress zone — elevated risk

Debt/EquityHealth
2.281/10

Elevated debt levels

FIS4 concerns · Avg: 2.5/10
Return on EquityProfitability
2.6%3/10

ROE of 2.6% — below average capital efficiency

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

P/E RatioValuation
67.3x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CCL

The strongest argument for CCL centers on Return on Equity, P/E Ratio, Price/Book. PEG of 1.09 suggests the stock is reasonably priced for its growth.

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, EPS Growth, Price/Book. PEG of 0.28 suggests the stock is reasonably priced for its growth.

Bear Case : CCL

The primary concerns for CCL are Altman Z-Score, Debt/Equity. Debt-to-equity of 2.28 is elevated, increasing financial risk.

Bear Case : FIS

The primary concerns for FIS are Return on Equity, Profit Margin, P/E Ratio. A P/E of 67.3x leaves little room for execution misses. Thin 3.6% margins leave little buffer for downturns.

Key Dynamics to Monitor

CCL carries more volatility with a beta of 2.46 — expect wider price swings.

FIS is growing revenue faster at 8.2% — sustainability is the question.

FIS generates stronger free cash flow (779M), providing more financial flexibility.

Monitor TRAVEL SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CCL scores higher overall (72/100 vs 67/100). Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Carnival Corporation

CONSUMER CYCLICAL · TRAVEL SERVICES · USA

Carnival Corporation & plc is a British-American cruise operator, currently the world's largest travel leisure company, with a combined fleet of over 100 vessels across 10 cruise line brands.

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Fidelity National Information Services Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

FIS is an American Fortune 500 company which offers a wide range of financial products and services. Headquartered in Jacksonville, Florida, FIS employs approximately 63,000 people worldwide. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions.

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