WallStSmart

Infosys Ltd ADR (INFY)vsItau Unibanco Banco Holding SA (ITUB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Itau Unibanco Banco Holding SA generates 586% more annual revenue ($138.19B vs $20.16B). ITUB leads profitability with a 33.3% profit margin vs 16.4%. ITUB appears more attractively valued with a PEG of 1.35. ITUB earns a higher WallStSmart Score of 74/100 (B).

INFY

Buy

58

out of 100

Grade: C

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

ITUB

Strong Buy

74

out of 100

Grade: B

Growth: 5.3Profit: 8.0Value: 7.0Quality: 5.0
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Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INFYUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$104.73

Current Price

$12.83

$91.90 discount

UndervaluedFair: $104.73Overvalued

Intrinsic value data unavailable for ITUB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

Every $100 of equity generates 31 in profit

Market CapQuality
$50.87B9/10

Large-cap with strong market position

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

ITUB6 strengths · Avg: 9.3/10
P/E RatioValuation
9.7x10/10

Attractively priced relative to earnings

Profit MarginProfitability
33.3%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
33.1%10/10

Strong operational efficiency at 33.1%

Market CapQuality
$90.15B9/10

Large-cap with strong market position

Return on EquityProfitability
21.8%9/10

Every $100 of equity generates 22 in profit

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Areas to Watch

INFY2 concerns · Avg: 4.0/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

Price/BookValuation
10.6x4/10

Trading at 10.6x book value

ITUB2 concerns · Avg: 2.0/10
Revenue GrowthGrowth
-2.1%2/10

Revenue declined 2.1%

Free Cash FlowQuality
$-5.87B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : ITUB

The strongest argument for ITUB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 33.3% and operating margin at 33.1%. PEG of 1.35 suggests the stock is reasonably priced for its growth.

Bear Case : INFY

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

Bear Case : ITUB

The primary concerns for ITUB are Revenue Growth, Free Cash Flow.

Key Dynamics to Monitor

INFY profiles as a mature stock while ITUB is a declining play — different risk/reward profiles.

ITUB carries more volatility with a beta of 0.22 — expect wider price swings.

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

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

Bottom Line

ITUB scores higher overall (74/100 vs 58/100), backed by strong 33.3% margins. 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.

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.

Itau Unibanco Banco Holding SA

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Ita Unibanco Holding SA offers a range of financial products and services in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

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