WallStSmart

Centene Corp (CNC)vsInfosys Ltd ADR (INFY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Centene Corp generates 785% more annual revenue ($178.33B vs $20.16B). INFY leads profitability with a 16.4% profit margin vs -3.6%. CNC appears more attractively valued with a PEG of 1.25. INFY earns a higher WallStSmart Score of 61/100 (C+).

CNC

Buy

57

out of 100

Grade: C

Growth: 7.3Profit: 3.5Value: 7.0Quality: 6.5
Piotroski: 6/9Altman Z: 2.83

INFY

Buy

61

out of 100

Grade: C+

Growth: 5.3Profit: 9.0Value: 7.3Quality: 8.0
Piotroski: 4/9Altman Z: 4.57
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CNCUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$268.78

Current Price

$62.33

$206.45 discount

UndervaluedFair: $268.78Overvalued
INFYUndervalued (+84.2%)

Margin of Safety

+84.2%

Fair Value

$99.78

Current Price

$12.40

$87.38 discount

UndervaluedFair: $99.78Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CNC2 strengths · Avg: 9.0/10
Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Free Cash FlowQuality
$3.40B8/10

Generating 3.4B in free cash flow

INFY5 strengths · Avg: 9.2/10
Return on EquityProfitability
33.9%10/10

Every $100 of equity generates 34 in profit

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.5710/10

Safe zone — low bankruptcy risk

P/E RatioValuation
14.5x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

Areas to Watch

CNC2 concerns · Avg: 1.5/10
Return on EquityProfitability
-30.1%2/10

ROE of -30.1% — below average capital efficiency

Profit MarginProfitability
-3.6%1/10

Currently unprofitable

INFY2 concerns · Avg: 4.0/10
PEG RatioValuation
2.064/10

Expensive relative to growth rate

Price/BookValuation
10.2x4/10

Trading at 10.2x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : CNC

The strongest argument for CNC centers on Price/Book, Free Cash Flow. PEG of 1.25 suggests the stock is reasonably priced for its growth.

Bull Case : INFY

The strongest argument for INFY centers on Return on Equity, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 16.4% and operating margin at 20.9%.

Bear Case : CNC

The primary concerns for CNC are Return on Equity, Profit Margin.

Bear Case : INFY

The primary concerns for INFY are PEG Ratio, Price/Book.

Key Dynamics to Monitor

CNC profiles as a turnaround stock while INFY is a mature play — different risk/reward profiles.

CNC carries more volatility with a beta of 1.09 — expect wider price swings.

INFY is growing revenue faster at 6.6% — sustainability is the question.

CNC generates stronger free cash flow (3.4B), providing more financial flexibility.

Bottom Line

INFY scores higher overall (61/100 vs 57/100), backed by strong 16.4% margins. CNC offers better value entry with a 85.0% margin of safety. Both earn "Buy" and "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.

Centene Corp

HEALTHCARE · HEALTHCARE PLANS · USA

Centene Corporation is a large publicly traded company and a multi-line managed care enterprise that serves as a major intermediary for both government-sponsored and privately insured health care programs. It is a healthcare insurer that focuses on managed care for uninsured, underinsured, and low-income individuals.

Infosys Ltd ADR

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Infosys Limited offers next generation digital consulting, technology, outsourcing and services in North America, Europe, India and internationally. The company is headquartered in Bengaluru, India.

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