FISERV INC (1FISV.MI) Fundamental Analysis & Valuation

BIT:1FISV • US3377381088

Current stock price

49.355 EUR
-5.59 (-10.17%)
Last:

This 1FISV.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. 1FISV.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1FISV was profitable.
  • In the past year 1FISV had a positive cash flow from operations.
  • Each year in the past 5 years 1FISV has been profitable.
  • In the past 5 years 1FISV always reported a positive cash flow from operatings.
1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCF1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • 1FISV has a Return On Assets of 4.34%. This is in the better half of the industry: 1FISV outperforms 75.86% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.49%, 1FISV is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 8.45%, 1FISV is in the better half of the industry, outperforming 77.59% of the companies in the same industry.
  • 1FISV had an Average Return On Invested Capital over the past 3 years of 8.12%. This is in line with the industry average of 9.93%.
  • The last Return On Invested Capital (8.45%) for 1FISV is above the 3 year average (8.12%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
1FISV.MI Yearly ROA, ROE, ROIC1FISV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • 1FISV has a Profit Margin of 16.42%. This is in the better half of the industry: 1FISV outperforms 68.97% of its industry peers.
  • In the last couple of years the Profit Margin of 1FISV has grown nicely.
  • Looking at the Operating Margin, with a value of 26.89%, 1FISV is in the better half of the industry, outperforming 77.59% of the companies in the same industry.
  • 1FISV's Operating Margin has improved in the last couple of years.
  • 1FISV has a better Gross Margin (59.36%) than 62.07% of its industry peers.
  • 1FISV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
1FISV.MI Yearly Profit, Operating, Gross Margins1FISV.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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3

2. 1FISV.MI Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1FISV is creating some value.
  • Compared to 1 year ago, 1FISV has less shares outstanding
  • Compared to 5 years ago, 1FISV has less shares outstanding
  • Compared to 1 year ago, 1FISV has a worse debt to assets ratio.
1FISV.MI Yearly Shares Outstanding1FISV.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
1FISV.MI Yearly Total Debt VS Total Assets1FISV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of 1FISV is 6.75, which is on the high side as it means it would take 1FISV, 6.75 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.75, 1FISV is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
  • 1FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.08, 1FISV is not doing good in the industry: 67.24% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.06
WACC7.96%
1FISV.MI Yearly LT Debt VS Equity VS FCF1FISV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • 1FISV's Current ratio of 1.03 is on the low side compared to the rest of the industry. 1FISV is outperformed by 62.07% of its industry peers.
  • A Quick Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • 1FISV has a worse Quick ratio (1.03) than 62.07% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
1FISV.MI Yearly Current Assets VS Current Liabilites1FISV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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4

3. 1FISV.MI Growth Analysis

3.1 Past

  • 1FISV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • 1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.35% yearly.
  • The Revenue has been growing slightly by 3.60% in the past year.
  • Measured over the past years, 1FISV shows a small growth in Revenue. The Revenue has been growing by 7.37% on average per year.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%

3.2 Future

  • 1FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.46% yearly.
  • 1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.97% yearly.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
1FISV.MI Yearly Revenue VS Estimates1FISV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
1FISV.MI Yearly EPS VS Estimates1FISV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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7

4. 1FISV.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 6.71, which indicates a rather cheap valuation of 1FISV.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 84.48% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.23. 1FISV is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 6.94, the valuation of 1FISV can be described as very cheap.
  • 77.59% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.28, 1FISV is valued rather cheaply.
Industry RankSector Rank
PE 6.71
Fwd PE 6.94
1FISV.MI Price Earnings VS Forward Price Earnings1FISV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 70.69% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than 77.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.26
EV/EBITDA 6.76
1FISV.MI Per share data1FISV.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The excellent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.47
EPS Next 2Y3.86%
EPS Next 3Y4.26%

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0

5. 1FISV.MI Dividend Analysis

5.1 Amount

  • No dividends for 1FISV!.
Industry RankSector Rank
Dividend Yield 0%

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1FISV.MI Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

BIT:1FISV (3/16/2026, 7:00:00 PM)

49.355

-5.59 (-10.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap26.55B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target82.37 (66.89%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)0
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)2
Avg Revenue beat(8)-1.77%
Revenue beat(12)6
Avg Revenue beat(12)0.12%
Revenue beat(16)10
Avg Revenue beat(16)1.39%
PT rev (1m)-3.13%
PT rev (3m)-48.62%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)-28.12%
EPS NY rev (1m)-2.28%
EPS NY rev (3m)-31.53%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-8.31%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)-10.76%
Valuation
Industry RankSector Rank
PE 6.71
Fwd PE 6.94
P/S 1.47
P/FCF 7.26
P/OCF 5.15
P/B 1.21
P/tB N/A
EV/EBITDA 6.76
EPS(TTM)7.35
EY14.89%
EPS(NY)7.11
Fwd EY14.4%
FCF(TTM)6.8
FCFY13.78%
OCF(TTM)9.59
OCFY19.43%
SpS33.53
BVpS40.8
TBVpS-34.92
PEG (NY)N/A
PEG (5Y)0.47
Graham Number82.14
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 250
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z N/A
F-Score5
WACC7.96%
ROIC/WACC1.06
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year21.11%
EBIT Next 3Y8.72%
EBIT Next 5Y6.3%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

FISERV INC / 1FISV.MI Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FISERV INC (1FISV.MI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to 1FISV.MI.


What is the valuation status for 1FISV stock?

ChartMill assigns a valuation rating of 7 / 10 to FISERV INC (1FISV.MI). This can be considered as Undervalued.


What is the profitability of 1FISV stock?

FISERV INC (1FISV.MI) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for 1FISV stock?

The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 6.71 and the Price/Book (PB) ratio is 1.21.