WallStSmart

Infosys Ltd ADR (INFY)vsTTEC Holdings Inc (TTEC)

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Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 895% more annual revenue ($20.30B vs $2.04B). INFY leads profitability with a 16.4% profit margin vs -10.2%. TTEC appears more attractively valued with a PEG of 0.25. 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

TTEC

Hold

41

out of 100

Grade: D

Growth: 2.0Profit: 3.5Value: 6.7Quality: 5.5
Piotroski: 6/9Altman Z: 1.84
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INFYUndervalued (+83.6%)

Margin of Safety

+83.6%

Fair Value

$96.29

Current Price

$11.48

$84.81 discount

UndervaluedFair: $96.29Overvalued

Intrinsic value data unavailable for TTEC.

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
13.0x8/10

Attractively priced relative to earnings

Operating MarginProfitability
21.2%8/10

Strong operational efficiency at 21.2%

TTEC2 strengths · Avg: 10.0/10
PEG RatioValuation
0.2510/10

Growing faster than its price suggests

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Areas to Watch

INFY3 concerns · Avg: 4.0/10
PEG RatioValuation
1.824/10

Expensive relative to growth rate

Price/BookValuation
9.6x4/10

Trading at 9.6x book value

Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

TTEC4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.844/10

Grey zone — moderate risk

Market CapQuality
$68.03M3/10

Smaller company, higher risk/reward

Operating MarginProfitability
3.4%3/10

Operating margin of 3.4%

Return on EquityProfitability
-241.2%2/10

ROE of -241.2% — below average capital efficiency

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 : TTEC

The strongest argument for TTEC centers on PEG Ratio, Price/Book. PEG of 0.25 suggests the stock is reasonably priced for its growth.

Bear Case : INFY

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

Bear Case : TTEC

The primary concerns for TTEC are Altman Z-Score, Market Cap, Operating Margin. Debt-to-equity of 12.93 is elevated, increasing financial risk.

Key Dynamics to Monitor

INFY profiles as a value stock while TTEC is a turnaround play — different risk/reward profiles.

TTEC carries more volatility with a beta of 0.96 — expect wider price swings.

INFY is growing revenue faster at 2.9% — sustainability is the question.

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

Bottom Line

INFY scores higher overall (59/100 vs 41/100), backed by strong 16.4% 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.

TTEC Holdings Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

TTEC Holdings, Inc., a customer experience services and technology company, focuses on designing, implementing and delivering a transformative customer experience for various brands. The company is headquartered in Englewood, Colorado.

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