Infosys Ltd ADR (INFY)vsJack Henry & Associates Inc (JKHY)
INFY
Infosys Ltd ADR
$10.76
-1.19%
TECHNOLOGY · Cap: $44.19B
JKHY
Jack Henry & Associates Inc
$149.10
-1.62%
TECHNOLOGY · Cap: $10.86B
Smart Verdict
WallStSmart Research — data-driven comparison
Infosys Ltd ADR generates 698% more annual revenue ($20.30B vs $2.54B). JKHY leads profitability with a 19.8% profit margin vs 16.4%. INFY appears more attractively valued with a PEG of 1.85. INFY earns a higher WallStSmart Score of 59/100 (C).
INFY
Buy59
out of 100
Grade: C
JKHY
Buy55
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+83.7%
Fair Value
$96.74
Current Price
$10.76
$85.98 discount
Margin of Safety
-39.7%
Fair Value
$118.59
Current Price
$149.10
$30.51 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
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 25 in profit
Strong operational efficiency at 22.5%
Areas to Watch
Expensive relative to growth rate
Trading at 9.0x book value
2.9% revenue growth
Expensive relative to growth rate
4.7% revenue growth
Earnings declined 10.4%
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 19.8% and operating margin at 22.5%.
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, Revenue Growth, EPS Growth.
Key Dynamics to Monitor
JKHY carries more volatility with a beta of 0.56 — expect wider price swings.
JKHY is growing revenue faster at 4.7% — sustainability is the question.
INFY generates stronger free cash flow (970M), providing more financial flexibility.
Monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
INFY scores higher overall (59/100 vs 55/100), backed by strong 16.4% margins. 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.
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