WallStSmart

Fidelity National Information Services Inc (FIS)vsInfosys Ltd ADR (INFY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 89% more annual revenue ($20.16B vs $10.68B). INFY leads profitability with a 16.4% profit margin vs 3.6%. FIS appears more attractively valued with a PEG of 0.26. FIS earns a higher WallStSmart Score of 67/100 (B-).

FIS

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 6.7Quality: 4.0
Piotroski: 5/9Altman Z: -0.02

INFY

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 9.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FISUndervalued (+24.1%)

Margin of Safety

+24.1%

Fair Value

$63.69

Current Price

$46.54

$17.15 discount

UndervaluedFair: $63.69Overvalued
INFYUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$105.23

Current Price

$12.48

$92.75 discount

UndervaluedFair: $105.23Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIS4 strengths · Avg: 9.0/10
PEG RatioValuation
0.2610/10

Growing faster than its price suggests

EPS GrowthGrowth
88.1%10/10

Earnings expanding 88.1% YoY

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.6%8/10

Strong operational efficiency at 24.6%

INFY4 strengths · Avg: 8.8/10
Return on EquityProfitability
31.4%10/10

Every $100 of equity generates 31 in profit

Market CapQuality
$50.42B9/10

Large-cap with strong market position

P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

Areas to Watch

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
63.8x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

INFY2 concerns · Avg: 4.0/10
PEG RatioValuation
2.144/10

Expensive relative to growth rate

Price/BookValuation
10.9x4/10

Trading at 10.9x book value

Comparative Analysis Report

WallStSmart Research

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, EPS Growth, Price/Book. PEG of 0.26 suggests the stock is reasonably priced for its growth.

Bull Case : INFY

The strongest argument for INFY centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 16.4% and operating margin at 20.9%.

Bear Case : FIS

The primary concerns for FIS are Return on Equity, Profit Margin, P/E Ratio. A P/E of 63.8x leaves little room for execution misses. Thin 3.6% margins leave little buffer for downturns.

Bear Case : INFY

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

Key Dynamics to Monitor

FIS profiles as a value stock while INFY is a mature play — different risk/reward profiles.

FIS carries more volatility with a beta of 0.91 — expect wider price swings.

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

INFY generates stronger free cash flow (833M), providing more financial flexibility.

Bottom Line

FIS scores higher overall (67/100 vs 58/100). INFY offers better value entry with a 85.0% margin of safety. Both earn "Strong 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.

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.

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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