WallStSmart

Infosys Ltd ADR (INFY)vsScience Applications International Corporation Common Stock (SAIC)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 174% more annual revenue ($20.30B vs $7.40B). INFY leads profitability with a 16.4% profit margin vs 5.1%. INFY appears more attractively valued with a PEG of 1.85. INFY earns a higher WallStSmart Score of 59/100 (C).

INFY

Buy

59

out of 100

Grade: C

Growth: 4.7Profit: 9.0Value: 7.3Quality: 8.0
Piotroski: 4/9Altman Z: 4.57

SAIC

Buy

52

out of 100

Grade: C-

Growth: 3.3Profit: 6.0Value: 6.0Quality: 5.5
Piotroski: 4/9Altman Z: 2.34
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INFYUndervalued (+83.8%)

Margin of Safety

+83.8%

Fair Value

$97.19

Current Price

$10.82

$86.37 discount

UndervaluedFair: $97.19Overvalued
SAICUndervalued (+15.5%)

Margin of Safety

+15.5%

Fair Value

$97.27

Current Price

$133.19

$35.92 discount

UndervaluedFair: $97.27Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INFY5 strengths · Avg: 9.2/10
Return on EquityProfitability
34.6%10/10

Every $100 of equity generates 35 in profit

Debt/EquityHealth
0.1010/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.5710/10

Safe zone — low bankruptcy risk

P/E RatioValuation
13.5x8/10

Attractively priced relative to earnings

Operating MarginProfitability
21.2%8/10

Strong operational efficiency at 21.2%

SAIC2 strengths · Avg: 8.5/10
Return on EquityProfitability
23.9%9/10

Every $100 of equity generates 24 in profit

P/E RatioValuation
14.9x8/10

Attractively priced relative to earnings

Areas to Watch

INFY3 concerns · Avg: 4.0/10
PEG RatioValuation
1.854/10

Expensive relative to growth rate

Price/BookValuation
9.1x4/10

Trading at 9.1x book value

Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

SAIC4 concerns · Avg: 2.5/10
Profit MarginProfitability
5.1%3/10

5.1% margin — thin

Debt/EquityHealth
1.883/10

Elevated debt levels

PEG RatioValuation
3.672/10

Expensive relative to growth rate

EPS GrowthGrowth
-12.2%2/10

Earnings declined 12.2%

Comparative Analysis Report

WallStSmart Research

Bull Case : INFY

The strongest argument for INFY centers on Return on Equity, Debt/Equity, Altman Z-Score. Profitability is solid with margins at 16.4% and operating margin at 21.2%.

Bull Case : SAIC

The strongest argument for SAIC centers on Return on Equity, P/E Ratio.

Bear Case : INFY

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

Bear Case : SAIC

The primary concerns for SAIC are Profit Margin, Debt/Equity, PEG Ratio. Debt-to-equity of 1.88 is elevated, increasing financial risk.

Key Dynamics to Monitor

SAIC carries more volatility with a beta of 0.30 — expect wider price swings.

SAIC is growing revenue faster at 6.3% — sustainability is the question.

INFY generates stronger free cash flow (970M), providing more financial flexibility.

Monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

INFY scores higher overall (59/100 vs 52/100), backed by strong 16.4% margins. SAIC offers better value entry with a 15.5% margin of safety. Both earn "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.

Science Applications International Corporation Common Stock

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

Science Applications International Corporation provides technical, engineering and business information technology (IT) services primarily in the United States. The company is headquartered in Reston, Virginia.

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