Infosys Ltd ADR (INFY)vsJack Henry & Associates Inc (JKHY)
INFY
Infosys Ltd ADR
$10.77
-1.35%
TECHNOLOGY · Cap: $46.96B
JKHY
Jack Henry & Associates Inc
$130.11
-0.47%
TECHNOLOGY · Cap: $9.11B
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 701% more annual revenue ($20.16B vs $2.52B). JKHY leads profitability with a 20.6% profit margin vs 16.4%. JKHY appears more attractively valued with a PEG of 1.74. JKHY earns a higher WallStSmart Score of 68/100 (B-).
INFY
Buy61
out of 100
Grade: C+
JKHY
Strong Buy68
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.1%
Fair Value
$99.30
Current Price
$10.77
$88.53 discount
Margin of Safety
-43.8%
Fair Value
$115.21
Current Price
$130.11
$14.90 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
Attractively priced relative to earnings
Strong operational efficiency at 20.9%
Conservative balance sheet, low leverage
Safe zone — low bankruptcy risk
Every $100 of equity generates 24 in profit
Keeps 21 of every $100 in revenue as profit
Attractively priced relative to earnings
Strong operational efficiency at 24.4%
Areas to Watch
Expensive relative to growth rate
Trading at 8.9x book value
Expensive relative to growth rate
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 : JKHY
The strongest argument for JKHY centers on Debt/Equity, Altman Z-Score, Return on Equity. Profitability is solid with margins at 20.6% and operating margin at 24.4%.
Bear Case : INFY
The primary concerns for INFY are PEG Ratio, Price/Book.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Key Dynamics to Monitor
JKHY carries more volatility with a beta of 0.57 — expect wider price swings.
JKHY is growing revenue faster at 8.7% — sustainability is the question.
INFY generates stronger free cash flow (833M), providing more financial flexibility.
Monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
JKHY scores higher overall (68/100 vs 61/100), backed by strong 20.6% margins. INFY offers better value entry with a 84.1% 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.
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.
Jack Henry & Associates Inc
TECHNOLOGY · INFORMATION TECHNOLOGY SERVICES · USA
Jack Henry & Associates, Inc. is a technology company and payment processing service for the financial services industry.
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