Infosys Ltd ADR (INFY)vs9F Inc (JFU)
INFY
Infosys Ltd ADR
$13.08
-1.65%
TECHNOLOGY · Cap: $53.86B
JFU
9F Inc
$3.16
-20.00%
TECHNOLOGY · Cap: $49.45M
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 6115% more annual revenue ($19.85B vs $319.32M). JFU leads profitability with a 80.2% profit margin vs 16.2%. JFU trades at a lower P/E of 1.3x. JFU earns a higher WallStSmart Score of 62/100 (C+).
INFY
Hold48
out of 100
Grade: D+
JFU
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-200.8%
Fair Value
$5.24
Current Price
$13.08
$7.84 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
Every $100 of equity generates 33 in profit
Large-cap with strong market position
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 80 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
3.2% revenue growth
Earnings declined 5.3%
Smaller company, higher risk/reward
ROE of 6.9% — below average capital efficiency
Comparative Analysis Report
WallStSmart ResearchBull Case : INFY
The strongest argument for INFY centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 16.2% and operating margin at 18.0%.
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 : INFY
The primary concerns for INFY are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : JFU
The primary concerns for JFU are Market Cap, Return on Equity.
Key Dynamics to Monitor
INFY 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.
JFU is growing revenue faster at 6.5% — sustainability is the question.
INFY generates stronger free cash flow (924M), providing more financial flexibility.
Bottom Line
JFU scores higher overall (62/100 vs 48/100), backed by strong 80.2% margins. Both earn "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.
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.
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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