WallStSmart

Infosys Ltd ADR (INFY)vsUniversal Corporation (UVV)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Infosys Ltd ADR generates 564% more annual revenue ($19.85B vs $2.99B). INFY leads profitability with a 16.2% profit margin vs 3.7%. INFY appears more attractively valued with a PEG of 2.22. UVV earns a higher WallStSmart Score of 61/100 (C+).

INFY

Hold

48

out of 100

Grade: D+

Growth: 4.0Profit: 9.0Value: 7.3Quality: 5.0

UVV

Buy

61

out of 100

Grade: C+

Growth: 8.0Profit: 5.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

INFYSignificantly Overvalued (-200.8%)

Margin of Safety

-200.8%

Fair Value

$5.24

Current Price

$13.17

$7.93 premium

UndervaluedFair: $5.24Overvalued
UVVUndervalued (+74.6%)

Margin of Safety

+74.6%

Fair Value

$207.79

Current Price

$51.95

$155.84 discount

UndervaluedFair: $207.79Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

INFY3 strengths · Avg: 9.0/10
Return on EquityProfitability
32.7%10/10

Every $100 of equity generates 33 in profit

Market CapQuality
$53.86B9/10

Large-cap with strong market position

P/E RatioValuation
17.0x8/10

Attractively priced relative to earnings

UVV3 strengths · Avg: 9.3/10
P/E RatioValuation
11.9x10/10

Attractively priced relative to earnings

Price/BookValuation
0.9x10/10

Reasonable price relative to book value

EPS GrowthGrowth
32.0%8/10

Earnings expanding 32.0% YoY

Areas to Watch

INFY3 concerns · Avg: 3.3/10
PEG RatioValuation
2.224/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.2%4/10

3.2% revenue growth

EPS GrowthGrowth
-5.3%2/10

Earnings declined 5.3%

UVV3 concerns · Avg: 2.7/10
Market CapQuality
$1.32B3/10

Smaller company, higher risk/reward

Profit MarginProfitability
3.7%3/10

3.7% margin — thin

PEG RatioValuation
2.892/10

Expensive relative to growth rate

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 16.2% and operating margin at 18.0%.

Bull Case : UVV

The strongest argument for UVV centers on P/E Ratio, Price/Book, EPS Growth.

Bear Case : INFY

The primary concerns for INFY are PEG Ratio, Revenue Growth, EPS Growth.

Bear Case : UVV

The primary concerns for UVV are Market Cap, Profit Margin, PEG Ratio. Thin 3.7% margins leave little buffer for downturns.

Key Dynamics to Monitor

UVV carries more volatility with a beta of 0.67 — expect wider price swings.

UVV is growing revenue faster at 6.1% — sustainability is the question.

INFY generates stronger free cash flow (924M), providing more financial flexibility.

Monitor INFORMATION TECHNOLOGY SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

UVV scores higher overall (61/100 vs 48/100). 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.

Universal Corporation

CONSUMER DEFENSIVE · TOBACCO · USA

Universal Corporation processes and supplies leaf tobacco and plant ingredients worldwide. The company is headquartered in Richmond, Virginia.

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