WallStSmart

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

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Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 86% more annual revenue ($19.85B vs $10.68B). INFY leads profitability with a 16.2% profit margin vs 3.6%. FIS appears more attractively valued with a PEG of 0.28. FIS earns a higher WallStSmart Score of 67/100 (B-).

FIS

Strong Buy

67

out of 100

Grade: B-

Growth: 6.7Profit: 5.5Value: 4.7Quality: 5.0
Piotroski: 5/9Altman Z: -0.02

INFY

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 9.0Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

FISSignificantly Overvalued (-41.4%)

Margin of Safety

-41.4%

Fair Value

$34.16

Current Price

$49.21

$15.05 premium

UndervaluedFair: $34.16Overvalued
INFYSignificantly Overvalued (-200.8%)

Margin of Safety

-200.8%

Fair Value

$5.24

Current Price

$13.05

$7.81 premium

UndervaluedFair: $5.24Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

FIS4 strengths · Avg: 9.0/10
PEG RatioValuation
0.2810/10

Growing faster than its price suggests

EPS GrowthGrowth
88.1%10/10

Earnings expanding 88.1% YoY

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.6%8/10

Strong operational efficiency at 24.6%

INFY3 strengths · Avg: 9.0/10
Return on EquityProfitability
32.7%10/10

Every $100 of equity generates 33 in profit

Market CapQuality
$53.04B9/10

Large-cap with strong market position

P/E RatioValuation
16.8x8/10

Attractively priced relative to earnings

Areas to Watch

FIS4 concerns · Avg: 2.5/10
Return on EquityProfitability
2.6%3/10

ROE of 2.6% — below average capital efficiency

Profit MarginProfitability
3.6%3/10

3.6% margin — thin

P/E RatioValuation
69.1x2/10

Premium valuation, high expectations priced in

Altman Z-ScoreHealth
-0.022/10

Distress zone — elevated risk

INFY3 concerns · Avg: 3.3/10
PEG RatioValuation
2.234/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

EPS GrowthGrowth
-5.3%2/10

Earnings declined 5.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : FIS

The strongest argument for FIS centers on PEG Ratio, EPS Growth, Price/Book. PEG of 0.28 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 16.2% and operating margin at 18.0%.

Bear Case : FIS

The primary concerns for FIS are Return on Equity, Profit Margin, P/E Ratio. A P/E of 69.1x leaves little room for execution misses. Thin 3.6% margins leave little buffer for downturns.

Bear Case : INFY

The primary concerns for INFY are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

FIS carries more volatility with a beta of 0.91 — expect wider price swings.

FIS is growing revenue faster at 8.2% — sustainability is the question.

INFY generates stronger free cash flow (924M), providing more financial flexibility.

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

Bottom Line

FIS scores higher overall (67/100 vs 48/100). Both earn "Strong 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.

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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