FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
55.45 EUR
-2.11 (-3.67%)
Taking everything into account, 1FISV scores 5 out of 10 in our fundamental rating. 1FISV was compared to 59 industry peers in the Financial Services industry. While 1FISV belongs to the best of the industry regarding profitability, there are concerns on its financial health. 1FISV is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year 1FISV was profitable.
- 1FISV had a positive operating cash flow in the past year.
- 1FISV had positive earnings in each of the past 5 years.
- Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
- 1FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. 1FISV outperforms 71.19% of its industry peers.
- 1FISV has a Return On Equity of 14.36%. This is in the better half of the industry: 1FISV outperforms 72.88% of its industry peers.
- With a decent Return On Invested Capital value of 8.87%, 1FISV is doing good in the industry, outperforming 74.58% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 10.02%.
- The last Return On Invested Capital (8.87%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.54% | ||
| ROE | 14.36% | ||
| ROIC | 8.87% |
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
1.3 Margins
- The Profit Margin of 1FISV (17.05%) is better than 67.80% of its industry peers.
- In the last couple of years the Profit Margin of 1FISV has grown nicely.
- With a decent Operating Margin value of 28.72%, 1FISV is doing good in the industry, outperforming 77.97% of the companies in the same industry.
- 1FISV's Operating Margin has improved in the last couple of years.
- 1FISV has a Gross Margin of 60.48%. This is in the better half of the industry: 1FISV outperforms 64.41% of its industry peers.
- 1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.72% | ||
| PM (TTM) | 17.05% | ||
| GM | 60.48% |
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
2. Health
2.1 Basic Checks
- The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so 1FISV is still creating some value.
- The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
- Compared to 5 years ago, 1FISV has less shares outstanding
- 1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 1.40, we must say that 1FISV is in the distress zone and has some risk of bankruptcy.
- 1FISV has a Altman-Z score (1.40) which is in line with its industry peers.
- The Debt to FCF ratio of 1FISV is 6.54, which is on the high side as it means it would take 1FISV, 6.54 years of fcf income to pay off all of its debts.
- 1FISV has a Debt to FCF ratio (6.54) which is comparable to the rest of the industry.
- A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
- 1FISV has a worse Debt to Equity ratio (1.15) than 69.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.13
WACC7.86%
2.3 Liquidity
- 1FISV has a Current Ratio of 1.08. This is a normal value and indicates that 1FISV is financially healthy and should not expect problems in meeting its short term obligations.
- 1FISV has a Current ratio of 1.08. This is comparable to the rest of the industry: 1FISV outperforms 42.37% of its industry peers.
- 1FISV has a Quick Ratio of 1.08. This is a normal value and indicates that 1FISV is financially healthy and should not expect problems in meeting its short term obligations.
- 1FISV's Quick ratio of 1.08 is in line compared to the rest of the industry. 1FISV outperforms 42.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
- The Earnings Per Share has been growing slightly by 7.76% over the past year.
- 1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
- 1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
- Measured over the past years, 1FISV shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
EPS 1Y (TTM)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
3.2 Future
- The Earnings Per Share is expected to grow by 5.05% on average over the next years.
- The Revenue is expected to grow by 4.28% on average over the next years.
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%
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 decreasing.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- 1FISV is valuated cheaply with a Price/Earnings ratio of 7.11.
- Based on the Price/Earnings ratio, 1FISV is valued cheaper than 88.14% of the companies in the same industry.
- When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (27.21), we can say 1FISV is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.70, the valuation of 1FISV can be described as very cheap.
- 1FISV's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 83.05% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.98. 1FISV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.11 | ||
| Fwd PE | 7.7 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than 74.58% of the companies in the same industry.
- 1FISV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1FISV is cheaper than 81.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.58 | ||
| EV/EBITDA | 6.79 |
4.3 Compensation for Growth
- 1FISV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
5. Dividend
5.1 Amount
- No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FISERV INC / 1FISV.MI 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 8 / 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 7 / 10.
Can you provide the PE and PB ratios for 1FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 7.11 and the Price/Book (PB) ratio is 1.39.