WallStSmart

Fidelity National Information Services Inc (FIS)vsJianzhi Education Technology Group Company Limited American Depositary Shares (JZ)

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Smart Verdict

WallStSmart Research — data-driven comparison

Fidelity National Information Services Inc generates 16560% more annual revenue ($12.20B vs $73.23M). FIS leads profitability with a 27.7% profit margin vs -28.3%. FIS earns a higher WallStSmart Score of 89/100 (A).

FIS

Exceptional Buy

89

out of 100

Grade: A

Growth: 7.3Profit: 8.0Value: 8.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.22

JZ

Hold

39

out of 100

Grade: F

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.5
Piotroski: 3/9Altman Z: -3.37
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FISUndervalued (+13.1%)

Margin of Safety

+13.1%

Fair Value

$55.57

Current Price

$38.14

$17.43 discount

UndervaluedFair: $55.57Overvalued
JZUndervalued (+69.1%)

Margin of Safety

+69.1%

Fair Value

$3.17

Current Price

$0.76

$2.41 discount

UndervaluedFair: $3.17Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIS6 strengths · Avg: 9.7/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
3041.0%10/10

Earnings expanding 3041.0% YoY

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
27.7%9/10

Keeps 28 of every $100 in revenue as profit

JZ3 strengths · Avg: 9.7/10
Price/BookValuation
0.0x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
39.8%10/10

Revenue surging 39.8% year-over-year

Debt/EquityHealth
0.169/10

Conservative balance sheet, low leverage

Areas to Watch

FIS2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.323/10

Elevated debt levels

Altman Z-ScoreHealth
-0.222/10

Distress zone — elevated risk

JZ4 concerns · Avg: 2.5/10
Market CapQuality
$2.48M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Return on EquityProfitability
-772.6%2/10

ROE of -772.6% — below average capital efficiency

EPS GrowthGrowth
-81.2%2/10

Earnings declined 81.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 27.7% and operating margin at 20.7%. Revenue growth of 29.1% demonstrates continued momentum.

Bull Case : JZ

The strongest argument for JZ centers on Price/Book, Revenue Growth, Debt/Equity. Revenue growth of 39.8% demonstrates continued momentum.

Bear Case : FIS

The primary concerns for FIS are Debt/Equity, Altman Z-Score.

Bear Case : JZ

The primary concerns for JZ are Market Cap, Piotroski F-Score, Return on Equity.

Key Dynamics to Monitor

FIS profiles as a growth stock while JZ is a hypergrowth play — different risk/reward profiles.

JZ carries more volatility with a beta of 2.04 — expect wider price swings.

JZ is growing revenue faster at 39.8% — sustainability is the question.

FIS generates stronger free cash flow (238M), providing more financial flexibility.

Bottom Line

FIS scores higher overall (89/100 vs 39/100), backed by strong 27.7% margins and 29.1% revenue growth. JZ offers better value entry with a 69.1% margin of safety. Both earn "Exceptional Buy" and "Hold" 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.

Jianzhi Education Technology Group Company Limited American Depositary Shares

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · China

Jianzhi Education Technology Group Company Limited (ticker: JZ) is a leading provider in the digital education sector, focusing on innovative online learning solutions designed for the diverse needs of Chinese students. The company harnesses cutting-edge technology to position itself favorably in the expanding global education market, while simultaneously striving to improve educational outcomes for various demographics. With a strong emphasis on quality and innovation, Jianzhi's robust business model underpins its growth strategy, which seeks to enhance shareholder value through market expansion and strategic partnerships.

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