Fidelity National Information Services Inc (FIS)vs9F Inc (JFU)
FIS
Fidelity National Information Services Inc
$47.60
-3.13%
TECHNOLOGY · Cap: $25.45B
JFU
9F Inc
$3.16
-20.00%
TECHNOLOGY · Cap: $49.45M
Smart Verdict
WallStSmart Research — data-driven comparison
Fidelity National Information Services Inc generates 3244% more annual revenue ($10.68B vs $319.32M). JFU leads profitability with a 80.2% profit margin vs 3.6%. JFU trades at a lower P/E of 1.3x. FIS earns a higher WallStSmart Score of 67/100 (B-).
FIS
Strong Buy67
out of 100
Grade: B-
JFU
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-41.4%
Fair Value
$34.16
Current Price
$47.60
$13.44 premium
Margin of Safety
+97.0%
Fair Value
$148.36
Current Price
$3.16
$145.20 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Earnings expanding 88.1% YoY
Reasonable price relative to book value
Strong operational efficiency at 24.6%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 80 of every $100 in revenue as profit
Areas to Watch
ROE of 2.6% — below average capital efficiency
3.6% margin — thin
Premium valuation, high expectations priced in
Distress zone — elevated risk
Smaller company, higher risk/reward
ROE of 6.9% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull 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.
Bull Case : JFU
The strongest argument for JFU centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 80.2% and operating margin at 18.5%.
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.
Bear Case : JFU
The primary concerns for JFU are Market Cap, Return on Equity.
Key Dynamics to Monitor
FIS profiles as a value stock while JFU is a mature play — different risk/reward profiles.
JFU carries more volatility with a beta of 1.26 — 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.
Bottom Line
FIS scores higher overall (67/100 vs 62/100). JFU offers better value entry with a 97.0% 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.
9F Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · China
9F Inc. operates a digital financial account platform that integrates and personalizes financial services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.
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