Infosys Ltd ADR (INFY)vsJack Henry & Associates Inc (JKHY)
INFY
Infosys Ltd ADR
$12.53
+1.38%
TECHNOLOGY · Cap: $51.03B
JKHY
Jack Henry & Associates Inc
$155.95
-0.63%
TECHNOLOGY · Cap: $10.94B
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 707% more annual revenue ($20.30B vs $2.52B). JKHY leads profitability with a 20.6% profit margin vs 16.4%. INFY appears more attractively valued with a PEG of 2.05. JKHY earns a higher WallStSmart Score of 63/100 (C+).
INFY
Buy54
out of 100
Grade: C-
JKHY
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+84.0%
Fair Value
$98.55
Current Price
$12.53
$86.02 discount
Margin of Safety
-43.7%
Fair Value
$115.28
Current Price
$155.95
$40.67 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Every $100 of equity generates 35 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 21.2%
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
Strong operational efficiency at 24.4%
Areas to Watch
Expensive relative to growth rate
Trading at 10.5x book value
2.9% revenue growth
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 21.2%.
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, Revenue Growth.
Bear Case : JKHY
The primary concerns for JKHY are PEG Ratio.
Key Dynamics to Monitor
INFY profiles as a value stock while JKHY is a mature play — different risk/reward profiles.
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 (970M), providing more financial flexibility.
Bottom Line
JKHY scores higher overall (63/100 vs 54/100), backed by strong 20.6% margins. INFY offers better value entry with a 84.0% margin of safety. Both earn "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.
Visit Website →Compare with Other INFORMATION TECHNOLOGY SERVICES Stocks
Want to dig deeper into these stocks?