FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - BIT:1FISV - US3377381088 - Common Stock
118.32 EUR
-5.76 (-4.64%)
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 46 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. 1FISV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1FISV was profitable.
1FISV had a positive operating cash flow in the past year.
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.
1.2 Ratios
1FISV has a Return On Assets of 4.14%. This is in the better half of the industry: 1FISV outperforms 60.78% of its industry peers.
Looking at the Return On Equity, with a value of 13.40%, 1FISV is in the better half of the industry, outperforming 68.63% of the companies in the same industry.
The Return On Invested Capital of 1FISV (9.23%) is better than 68.63% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 10.06%.
The last Return On Invested Capital (9.23%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROIC | 9.23% |
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
1FISV has a better Profit Margin (16.01%) than 64.71% of its industry peers.
1FISV's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 30.05%, 1FISV is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV has a better Gross Margin (61.14%) than 64.71% of its industry peers.
In the last couple of years the Gross Margin of 1FISV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% |
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1FISV is creating some value.
1FISV has less shares outstanding than it did 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
The Debt to FCF ratio of 1FISV is 5.74, which is a neutral value as it means it would take 1FISV, 5.74 years of fcf income to pay off all of its debts.
1FISV's Debt to FCF ratio of 5.74 is in line compared to the rest of the industry. 1FISV outperforms 54.90% of its industry peers.
A Debt/Equity ratio of 1.11 is on the high side and indicates that 1FISV has dependencies on debt financing.
With a Debt to Equity ratio value of 1.11, 1FISV is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.15
WACC8.01%
2.3 Liquidity
1FISV has a Current Ratio of 1.09. 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 (1.09) which is in line with its industry peers.
A Quick Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.09, 1FISV perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.44%, which is quite good.
1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 6.73% in the last year.
1FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
3.2 Future
The Earnings Per Share is expected to grow by 15.81% on average over the next years. This is quite good.
The Revenue is expected to grow by 6.85% on average over the next years.
EPS Next Y19.08%
EPS Next 2Y17.61%
EPS Next 3Y17.15%
EPS Next 5Y15.81%
Revenue Next Year8.41%
Revenue Next 2Y8.65%
Revenue Next 3Y8.05%
Revenue Next 5Y6.85%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 14.64, 1FISV is valued correctly.
1FISV's Price/Earnings is on the same level as the industry average.
1FISV is valuated rather cheaply when we compare the Price/Earnings ratio to 27.30, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.31, which indicates a very decent valuation of 1FISV.
66.67% 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 22.73, 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.64 | ||
| Fwd PE | 11.31 |
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 60.78% of the companies listed in the same industry.
62.75% of the companies in the same industry are more expensive than 1FISV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.54 | ||
| EV/EBITDA | 10.96 |
4.3 Compensation for Growth
1FISV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1FISV has a very decent profitability rating, which may justify a higher PE ratio.
1FISV's earnings are expected to grow with 17.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)0.8
EPS Next 2Y17.61%
EPS Next 3Y17.15%
5. Dividend
5.1 Amount
No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (8/22/2025, 7:00:00 PM)
118.32
-5.76 (-4.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap64.32B
Analysts83.72
Price Target159.42 (34.74%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-0.62%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.04%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)2
Avg EPS beat(12)-1.65%
EPS beat(16)3
Avg EPS beat(16)-1.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.42%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-2.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)12
Avg Revenue beat(16)1.58%
PT rev (1m)-15.45%
PT rev (3m)-33.79%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-2.49%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.64 | ||
| Fwd PE | 11.31 | ||
| P/S | 3.55 | ||
| P/FCF | 14.54 | ||
| P/OCF | 11.07 | ||
| P/B | 2.97 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.96 |
EPS(TTM)8.08
EY6.83%
EPS(NY)10.46
Fwd EY8.84%
FCF(TTM)8.14
FCFY6.88%
OCF(TTM)10.69
OCFY9.03%
SpS33.31
BVpS39.79
TBVpS-35.77
PEG (NY)0.77
PEG (5Y)0.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROCE | 11.09% | ||
| ROIC | 9.23% | ||
| ROICexc | 9.39% | ||
| ROICexgc | 63.37% | ||
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% | ||
| FCFM | 24.43% |
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
ROICexc(3y)7.22%
ROICexc(5y)5.43%
ROICexgc(3y)52.66%
ROICexgc(5y)40.98%
ROCE(3y)8.53%
ROCE(5y)6.42%
ROICexcg growth 3Y34.49%
ROICexcg growth 5Y29.52%
ROICexc growth 3Y39.63%
ROICexc growth 5Y32.38%
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
F-Score8
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 52% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.66% | ||
| Profit Quality | 152.62% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | N/A |
F-Score8
WACC8.01%
ROIC/WACC1.15
Cap/Depr(3y)47.28%
Cap/Depr(5y)41.23%
Cap/Sales(3y)7.76%
Cap/Sales(5y)7.3%
Profit Quality(3y)136.25%
Profit Quality(5y)192.63%
High Growth Momentum
Growth
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
EPS Next Y19.08%
EPS Next 2Y17.61%
EPS Next 3Y17.15%
EPS Next 5Y15.81%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
Revenue Next Year8.41%
Revenue Next 2Y8.65%
Revenue Next 3Y8.05%
Revenue Next 5Y6.85%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.42%
EBIT Next 3Y17.4%
EBIT Next 5Y12.47%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
OCF growth 3Y18.02%
OCF growth 5Y18.86%