WallStSmart

Infosys Ltd ADR (INFY)vs3M Company (MMM)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

3M Company generates 24% more annual revenue ($25.02B vs $20.16B). INFY leads profitability with a 16.4% profit margin vs 11.1%. MMM appears more attractively valued with a PEG of 1.50. INFY earns a higher WallStSmart Score of 58/100 (C).

INFY

Buy

58

out of 100

Grade: C

Growth: 5.3Profit: 9.0Value: 7.3Quality: 5.0

MMM

Buy

56

out of 100

Grade: C

Growth: 2.7Profit: 8.0Value: 4.7Quality: 5.5
Piotroski: 5/9Altman Z: 2.82
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INFYUndervalued (+85.0%)

Margin of Safety

+85.0%

Fair Value

$104.73

Current Price

$12.83

$91.90 discount

UndervaluedFair: $104.73Overvalued
MMMSignificantly Overvalued (-31.5%)

Margin of Safety

-31.5%

Fair Value

$131.48

Current Price

$143.29

$11.81 premium

UndervaluedFair: $131.48Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INFY4 strengths · Avg: 8.8/10
Return on EquityProfitability
31.4%10/10

Every $100 of equity generates 31 in profit

Market CapQuality
$50.87B9/10

Large-cap with strong market position

P/E RatioValuation
15.7x8/10

Attractively priced relative to earnings

Operating MarginProfitability
20.9%8/10

Strong operational efficiency at 20.9%

MMM3 strengths · Avg: 9.0/10
Return on EquityProfitability
71.5%10/10

Every $100 of equity generates 72 in profit

Market CapQuality
$74.98B9/10

Large-cap with strong market position

Operating MarginProfitability
23.3%8/10

Strong operational efficiency at 23.3%

Areas to Watch

INFY2 concerns · Avg: 4.0/10
PEG RatioValuation
2.204/10

Expensive relative to growth rate

Price/BookValuation
10.6x4/10

Trading at 10.6x book value

MMM4 concerns · Avg: 3.0/10
P/E RatioValuation
27.7x4/10

Moderate valuation

Revenue GrowthGrowth
1.3%4/10

1.3% revenue growth

Price/BookValuation
22.9x2/10

Trading at 22.9x book value

EPS GrowthGrowth
-39.7%2/10

Earnings declined 39.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : INFY

The strongest argument for INFY centers on Return on Equity, Market Cap, P/E Ratio. Profitability is solid with margins at 16.4% and operating margin at 20.9%.

Bull Case : MMM

The strongest argument for MMM centers on Return on Equity, Market Cap, Operating Margin.

Bear Case : INFY

The primary concerns for INFY are PEG Ratio, Price/Book.

Bear Case : MMM

The primary concerns for MMM are P/E Ratio, Revenue Growth, Price/Book. Debt-to-equity of 2.75 is elevated, increasing financial risk.

Key Dynamics to Monitor

INFY profiles as a mature stock while MMM is a value play — different risk/reward profiles.

MMM carries more volatility with a beta of 1.09 — 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 56/100), 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.

3M Company

INDUSTRIALS · CONGLOMERATES · USA

The 3M Company is an American multinational conglomerate corporation operating in the fields of industry, worker safety, US health care, and consumer goods. The company produces over 60,000 products under several brands, including adhesives, abrasives, laminates, passive fire protection, personal protective equipment, window films, paint protection films, dental and orthodontic products, electrical and electronic connecting and insulating materials, medical products, car-care products, electronic circuits, healthcare software and optical films. It is based in Maplewood, a suburb of Saint Paul, Minnesota.

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