WallStSmart

EPAM Systems Inc (EPAM)vsInfosys Ltd ADR (INFY)

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Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 269% more annual revenue ($20.16B vs $5.46B). INFY leads profitability with a 16.4% profit margin vs 6.9%. EPAM appears more attractively valued with a PEG of 0.66. EPAM earns a higher WallStSmart Score of 66/100 (B-).

EPAM

Strong Buy

66

out of 100

Grade: B-

Growth: 5.3Profit: 5.5Value: 8.7Quality: 8.0
Piotroski: 3/9Altman Z: 4.28

INFY

Buy

58

out of 100

Grade: C

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

EPAMUndervalued (+57.1%)

Margin of Safety

+57.1%

Fair Value

$414.58

Current Price

$99.23

$315.35 discount

UndervaluedFair: $414.58Overvalued
INFYUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$104.73

Current Price

$12.83

$91.90 discount

UndervaluedFair: $104.73Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

EPAM5 strengths · Avg: 9.2/10
Price/BookValuation
1.5x10/10

Reasonable price relative to book value

Debt/EquityHealth
0.0410/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.2810/10

Safe zone — low bankruptcy risk

PEG RatioValuation
0.668/10

Growing faster than its price suggests

P/E RatioValuation
15.0x8/10

Attractively priced relative to earnings

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%

Areas to Watch

EPAM3 concerns · Avg: 2.7/10
Profit MarginProfitability
6.9%3/10

6.9% margin — thin

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Free Cash FlowQuality
$-54.22M2/10

Negative free cash flow — burning cash

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

Comparative Analysis Report

WallStSmart Research

Bull Case : EPAM

The strongest argument for EPAM centers on Price/Book, Debt/Equity, Altman Z-Score. Revenue growth of 12.8% demonstrates continued momentum. PEG of 0.66 suggests the stock is reasonably priced for its growth.

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%.

Bear Case : EPAM

The primary concerns for EPAM are Profit Margin, Piotroski F-Score, Free Cash Flow.

Bear Case : INFY

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

Key Dynamics to Monitor

EPAM profiles as a value stock while INFY is a mature play — different risk/reward profiles.

EPAM carries more volatility with a beta of 1.45 — expect wider price swings.

EPAM is growing revenue faster at 12.8% — sustainability is the question.

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

Bottom Line

EPAM scores higher overall (66/100 vs 58/100) and 12.8% revenue growth. 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.

EPAM Systems Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

EPAM Systems, Inc. provides digital platform engineering and software development services in North America, Europe, Russia, Belarus, Kazakhstan, Ukraine, Georgia, East Asia, Southeast Asia, and Australia. The company is headquartered in Newtown, Pennsylvania.

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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.

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