FISERV INC (1FISV.MI) Stock Fundamental Analysis

BIT:1FISV • US3377381088

54.94 EUR
-0.61 (-1.1%)
Last: Feb 2, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

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. 1FISV scores excellent on profitability, but there are some minor concerns on its financial health. 1FISV is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

7

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.
  • 1FISV had a positive operating cash flow in each of the past 5 years.
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 2B 4B 6B

1.2 Ratios

  • 1FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. 1FISV outperforms 74.58% of its industry peers.
  • Looking at the Return On Equity, with a value of 14.36%, 1FISV is in the better half of the industry, outperforming 71.19% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 8.87%, 1FISV is doing good in the industry, outperforming 76.27% 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 9.72%.
  • 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 RankSector 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%
1FISV.MI Yearly ROA, ROE, ROIC1FISV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • With a decent Profit Margin value of 17.05%, 1FISV is doing good in the industry, outperforming 64.41% of the companies in the same industry.
  • In the last couple of years the Profit Margin of 1FISV has grown nicely.
  • 1FISV has a better Operating Margin (28.72%) than 74.58% of its industry peers.
  • In the last couple of years the Operating Margin of 1FISV has grown nicely.
  • 1FISV has a Gross Margin of 60.48%. This is in the better half of the industry: 1FISV outperforms 61.02% of its industry peers.
  • In the last couple of years the Gross Margin of 1FISV has grown nicely.
Industry RankSector 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%
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 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • 1FISV has less shares outstanding than it did 5 years ago.
  • 1FISV has a worse debt/assets ratio than last year.
1FISV.MI Yearly Shares Outstanding1FISV.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

2.2 Solvency

  • 1FISV has an Altman-Z score of 1.40. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
  • 1FISV has a Altman-Z score (1.40) which is comparable to the rest of the industry.
  • 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.
  • The Debt to FCF ratio of 1FISV (6.54) is better than 61.02% of its industry peers.
  • A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
  • The Debt to Equity ratio of 1FISV (1.15) is worse than 69.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.15
Debt/FCF 6.54
Altman-Z 1.4
ROIC/WACC1.09
WACC8.12%
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 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
  • The Current ratio of 1FISV (1.08) is comparable to the rest of the industry.
  • 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.
  • With a Quick ratio value of 1.08, 1FISV perfoms like the industry average, outperforming 44.07% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.08
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 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.76% over the past year.
  • 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.
  • Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
  • The Revenue has been growing by 14.96% on average over the past years. This is quite good.
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.
  • Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
EPS Next Y-1.06%
EPS Next 2Y-2.68%
EPS Next 3Y1.86%
EPS Next 5Y5.05%
Revenue Next Year3.3%
Revenue Next 2Y2.75%
Revenue Next 3Y3.22%
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.
1FISV.MI Yearly Revenue VS Estimates1FISV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • 1FISV is valuated cheaply with a Price/Earnings ratio of 7.13.
  • 84.75% of the companies in the same industry are more expensive than 1FISV, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (27.97), we can say 1FISV is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 7.81, the valuation of 1FISV can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 74.58% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.96. 1FISV is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.13
Fwd PE 7.81
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 72.88% of the companies listed in the same industry.
  • 76.27% of the companies in the same industry are more expensive than 1FISV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.6
EV/EBITDA 6.8
1FISV.MI Per share data1FISV.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

4.3 Compensation for Growth

  • The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-2.68%
EPS Next 3Y1.86%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • 1FISV does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FISERV INC

BIT:1FISV (2/2/2026, 7:00:00 PM)

54.94

-0.61 (-1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-10
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap29.55B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target82.37 (49.93%)
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)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)-3.13%
PT rev (3m)-48.62%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-35.93%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-16.92%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-9.68%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-5.63%
Valuation
Industry RankSector Rank
PE 7.13
Fwd PE 7.81
P/S 1.66
P/FCF 7.6
P/OCF 5.54
P/B 1.4
P/tB N/A
EV/EBITDA 6.8
EPS(TTM)7.71
EY14.03%
EPS(NY)7.04
Fwd EY12.81%
FCF(TTM)7.23
FCFY13.16%
OCF(TTM)9.93
OCFY18.07%
SpS33.13
BVpS39.33
TBVpS-35.22
PEG (NY)N/A
PEG (5Y)0.39
Graham Number82.61
Profitability
Industry RankSector 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 RankSector 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 1.4
F-Score7
WACC8.12%
ROIC/WACC1.09
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-1.06%
EPS Next 2Y-2.68%
EPS Next 3Y1.86%
EPS Next 5Y5.05%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.3%
Revenue Next 2Y2.75%
Revenue Next 3Y3.22%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.05%
EBIT Next 3Y7.93%
EBIT Next 5Y5.88%
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 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 7 / 10.


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

The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 7.13 and the Price/Book (PB) ratio is 1.4.