FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
58.76 EUR
-1.12 (-1.87%)
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 56 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. 1FISV scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year 1FISV was profitable.
In the past year 1FISV had a positive cash flow from operations.
In the past 5 years 1FISV has always been profitable.
Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
With a decent Return On Assets value of 4.54%, 1FISV is doing good in the industry, outperforming 72.88% of the companies in the same industry.
1FISV's Return On Equity of 14.36% is fine compared to the rest of the industry. 1FISV outperforms 71.19% of its industry peers.
1FISV has a better Return On Invested Capital (8.87%) than 74.58% of its industry peers.
1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is in line with the industry average of 8.78%.
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
1FISV has a better Profit Margin (17.05%) 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 76.27% of the companies in the same industry.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
With a Gross Margin value of 60.48%, 1FISV perfoms like the industry average, outperforming 59.32% of the companies in the same industry.
In the last couple of years the Gross Margin of 1FISV has grown nicely.
| 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.
1FISV has less shares outstanding than it did 1 year ago.
The number of shares outstanding for 1FISV has been reduced compared to 5 years ago.
Compared to 1 year ago, 1FISV has a worse debt to assets ratio.
2.2 Solvency
1FISV has an Altman-Z score of 1.42. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
1FISV's Altman-Z score of 1.42 is in line compared to the rest of the industry. 1FISV outperforms 57.63% of its industry peers.
1FISV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.54 years to pay back of all of its debts.
1FISV has a Debt to FCF ratio of 6.54. This is comparable to the rest of the industry: 1FISV outperforms 59.32% of its industry peers.
1FISV has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.15, 1FISV is not doing good in the industry: 69.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.32
WACC6.72%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.08, 1FISV is in line with its industry, outperforming 42.37% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV has a Quick ratio of 1.08. This is comparable to the rest of the industry: 1FISV outperforms 44.07% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
1FISV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
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
Based on estimates for the next years, 1FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.99% on average per year.
Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y15.99%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
Based on the Price/Earnings ratio of 7.56, the valuation of 1FISV can be described as very cheap.
1FISV's Price/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/Earnings ratio is at 26.84. 1FISV is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 8.10, the valuation of 1FISV can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 81.36% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.40. 1FISV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
72.88% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
77.97% 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 | 8.06 | ||
| EV/EBITDA | 7.04 |
4.3 Compensation for Growth
The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (12/15/2025, 7:00:00 PM)
58.76
-1.12 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap31.60B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target85.03 (44.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector 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)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-24.31%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)-6.09%
Min EPS beat(4)-24.31%
Max EPS beat(4)1.08%
EPS beat(8)2
Avg EPS beat(8)-2.77%
EPS beat(12)2
Avg EPS beat(12)-2.23%
EPS beat(16)3
Avg EPS beat(16)-2.12%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-1.94%
Revenue beat(4)0
Avg Revenue beat(4)-4.53%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)7
Avg Revenue beat(12)0.69%
Revenue beat(16)11
Avg Revenue beat(16)1.76%
PT rev (1m)-46.96%
PT rev (3m)-46.59%
EPS NQ rev (1m)-35.57%
EPS NQ rev (3m)-35.79%
EPS NY rev (1m)-16.53%
EPS NY rev (3m)-16.53%
Revenue NQ rev (1m)-9.98%
Revenue NQ rev (3m)-10.32%
Revenue NY rev (1m)-5.37%
Revenue NY rev (3m)-5.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.1 | ||
| P/S | 1.76 | ||
| P/FCF | 8.06 | ||
| P/OCF | 5.88 | ||
| P/B | 1.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.04 |
EPS(TTM)7.77
EY13.22%
EPS(NY)7.25
Fwd EY12.34%
FCF(TTM)7.29
FCFY12.4%
OCF(TTM)10
OCFY17.02%
SpS33.38
BVpS39.63
TBVpS-35.48
PEG (NY)N/A
PEG (5Y)0.41
Graham Number83.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.54% | ||
| ROE | 14.36% | ||
| ROCE | 10.66% | ||
| ROIC | 8.87% | ||
| ROICexc | 9.32% | ||
| ROICexgc | 76.24% | ||
| OM | 28.72% | ||
| PM (TTM) | 17.05% | ||
| GM | 60.48% | ||
| FCFM | 21.83% |
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%
ROICexgc growth 3Y34.49%
ROICexgc 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-Score7
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Debt/EBITDA | 3.14 | ||
| Cap/Depr | 55.2% | ||
| Cap/Sales | 8.13% | ||
| Interest Coverage | 4.32 | ||
| Cash Conversion | 68.95% | ||
| Profit Quality | 128.06% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.42 |
F-Score7
WACC6.72%
ROIC/WACC1.32
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)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y15.99%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.2%
EBIT Next 3Y7.96%
EBIT Next 5Y12.84%
FCF growth 1Y20.44%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y21.9%
OCF growth 3Y18.02%
OCF growth 5Y18.86%
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 of FISERV INC (1FISV.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
How profitable is FISERV INC (1FISV.MI) stock?
FISERV INC (1FISV.MI) has a profitability rating of 7 / 10.
How financially healthy is FISERV INC?
The financial health rating of FISERV INC (1FISV.MI) is 3 / 10.
What is the earnings growth outlook for FISERV INC?
The Earnings per Share (EPS) of FISERV INC (1FISV.MI) is expected to decline by -0.59% in the next year.