Infosys Ltd ADR (INFY)vs9F Inc (JFU)
INFY
Infosys Ltd ADR
$12.40
-1.35%
TECHNOLOGY · Cap: $52.96B
JFU
9F Inc
$2.82
-6.18%
TECHNOLOGY · Cap: $33.20M
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 6854% more annual revenue ($20.16B vs $289.88M). JFU leads profitability with a 58.0% profit margin vs 16.4%. JFU trades at a lower P/E of 1.3x. INFY earns a higher WallStSmart Score of 58/100 (C).
INFY
Buy58
out of 100
Grade: C
JFU
Hold50
out of 100
Grade: D+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.2%
Fair Value
$99.78
Current Price
$12.40
$87.38 discount
Margin of Safety
-0.9%
Fair Value
$4.47
Current Price
$2.82
$1.65 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 34 in profit
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Large-cap with strong market position
Attractively priced relative to earnings
Strong operational efficiency at 20.9%
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 58 of every $100 in revenue as profit
Earnings expanding 1648.0% YoY
Safe zone — low bankruptcy risk
Areas to Watch
Expensive relative to growth rate
Trading at 10.2x book value
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
Revenue declined 17.6%
Operating margin of -12.2%
Comparative Analysis Report
WallStSmart ResearchBull 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 20.9%.
Bull Case : JFU
The strongest argument for JFU centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 58.0% and operating margin at -12.2%.
Bear Case : INFY
The primary concerns for INFY are PEG Ratio, Price/Book.
Bear Case : JFU
The primary concerns for JFU are Market Cap, Return on Equity, Revenue Growth.
Key Dynamics to Monitor
INFY profiles as a mature stock while JFU is a declining play — different risk/reward profiles.
JFU carries more volatility with a beta of 1.05 — expect wider price swings.
INFY is growing revenue faster at 6.6% — sustainability is the question.
INFY generates stronger free cash flow (833M), providing more financial flexibility.
Bottom Line
INFY scores higher overall (58/100 vs 50/100), 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.
9F Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · China
9F Inc. operates a digital financial account platform that integrates and personalizes financial services in the People's Republic of China. The company is headquartered in Beijing, the People's Republic of China.
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