Infosys Ltd ADR (INFY)vsJack Henry & Associates Inc (JKHY)
INFY
Infosys Ltd ADR
$13.08
-1.65%
TECHNOLOGY · Cap: $53.86B
JKHY
Jack Henry & Associates Inc
$157.40
-0.93%
TECHNOLOGY · Cap: $11.50B
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 705% more annual revenue ($19.85B vs $2.46B). JKHY leads profitability with a 20.6% profit margin vs 16.2%. INFY appears more attractively valued with a PEG of 2.22. JKHY earns a higher WallStSmart Score of 65/100 (C+).
INFY
Hold48
out of 100
Grade: D+
JKHY
Buy65
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
+49.2%
Fair Value
$326.20
Current Price
$157.40
$168.80 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
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Strong operational efficiency at 25.7%
Earnings expanding 28.4% YoY
Areas to Watch
Expensive relative to growth rate
3.2% revenue growth
Earnings declined 5.3%
Expensive relative to growth rate
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 : JKHY
The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 20.6% and operating margin at 25.7%.
Bear Case : INFY
The primary concerns for INFY are PEG Ratio, Revenue Growth, EPS Growth.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Key Dynamics to Monitor
INFY profiles as a value stock while JKHY is a mature play — different risk/reward profiles.
JKHY carries more volatility with a beta of 0.73 — expect wider price swings.
JKHY is growing revenue faster at 7.9% — sustainability is the question.
INFY generates stronger free cash flow (924M), providing more financial flexibility.
Bottom Line
JKHY scores higher overall (65/100 vs 48/100), backed by strong 20.6% 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.
Jack Henry & Associates Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.
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