WallStSmart

Fidelity National Information Services Inc (FIS)vsInfosys Ltd ADR (INFY)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 66% more annual revenue ($20.30B vs $12.20B). FIS leads profitability with a 27.7% profit margin vs 16.4%. FIS appears more attractively valued with a PEG of 0.22. FIS earns a higher WallStSmart Score of 89/100 (A).

FIS

Exceptional Buy

89

out of 100

Grade: A

Growth: 7.3Profit: 8.0Value: 8.7Quality: 3.5
Piotroski: 4/9Altman Z: -0.22

INFY

Buy

59

out of 100

Grade: C

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

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FISUndervalued (+12.9%)

Margin of Safety

+12.9%

Fair Value

$55.47

Current Price

$36.43

$19.04 discount

UndervaluedFair: $55.47Overvalued
INFYUndervalued (+83.8%)

Margin of Safety

+83.8%

Fair Value

$97.19

Current Price

$11.07

$86.12 discount

UndervaluedFair: $97.19Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIS6 strengths · Avg: 9.7/10
PEG RatioValuation
0.2210/10

Growing faster than its price suggests

P/E RatioValuation
6.1x10/10

Attractively priced relative to earnings

Price/BookValuation
1.2x10/10

Reasonable price relative to book value

EPS GrowthGrowth
3041.0%10/10

Earnings expanding 3041.0% YoY

Return on EquityProfitability
21.0%9/10

Every $100 of equity generates 21 in profit

Profit MarginProfitability
27.7%9/10

Keeps 28 of every $100 in revenue as profit

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%

Areas to Watch

FIS2 concerns · Avg: 2.5/10
Debt/EquityHealth
1.323/10

Elevated debt levels

Altman Z-ScoreHealth
-0.222/10

Distress zone — elevated risk

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

Expensive relative to growth rate

Price/BookValuation
9.3x4/10

Trading at 9.3x book value

Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Comparative Analysis Report

WallStSmart Research

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, P/E Ratio, Price/Book. Profitability is solid with margins at 27.7% and operating margin at 20.7%. Revenue growth of 29.1% demonstrates continued momentum.

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%.

Bear Case : FIS

The primary concerns for FIS are Debt/Equity, Altman Z-Score.

Bear Case : INFY

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

Key Dynamics to Monitor

FIS profiles as a growth stock while INFY is a value play — different risk/reward profiles.

FIS carries more volatility with a beta of 0.80 — expect wider price swings.

FIS is growing revenue faster at 29.1% — sustainability is the question.

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

Bottom Line

FIS scores higher overall (89/100 vs 59/100), backed by strong 27.7% margins and 29.1% revenue growth. INFY offers better value entry with a 83.8% margin of safety. Both earn "Exceptional 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.

Fidelity National Information Services Inc

TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA

FIS is an American Fortune 500 company which offers a wide range of financial products and services. Headquartered in Jacksonville, Florida, FIS employs approximately 63,000 people worldwide. FIS is most known for its development of Financial Technology, or FinTech, and as of Q2 2020 it offers its solutions in three primary segments: Merchant Solutions, Banking Solutions, and Capital Market Solutions.

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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