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

BIT:1FISV • US3377381088

Current stock price

46.88 EUR
-1.6 (-3.3%)
Last:

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

7

1. 1FISV.MI Profitability Analysis

1.1 Basic Checks

  • In the past year 1FISV was profitable.
  • 1FISV had a positive operating cash flow in the past year.
  • In the past 5 years 1FISV has always 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

  • With a decent Return On Assets value of 4.34%, 1FISV is doing good in the industry, outperforming 77.19% of the companies in the same industry.
  • 1FISV has a Return On Equity of 13.49%. This is in the better half of the industry: 1FISV outperforms 70.18% of its industry peers.
  • The Return On Invested Capital of 1FISV (8.45%) is better than 77.19% of its industry peers.
  • 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 8.81%.
  • The 3 year average ROIC (8.12%) for 1FISV is below the current ROIC(8.45%), indicating increased profibility in the last year.
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's Profit Margin of 16.42% is fine compared to the rest of the industry. 1FISV outperforms 66.67% of its industry peers.
  • 1FISV's Profit Margin has improved in the last couple of years.
  • 1FISV has a better Operating Margin (26.89%) than 73.68% of its industry peers.
  • 1FISV's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 59.36%, 1FISV perfoms like the industry average, outperforming 59.65% of the companies in the same industry.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
  • 1FISV has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 1FISV is higher compared to a year ago.
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

  • 1FISV has an Altman-Z score of 1.30. 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 of 1.30. This is comparable to the rest of the industry: 1FISV outperforms 49.12% of its industry peers.
  • 1FISV has a debt to FCF ratio of 6.75. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.75 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1FISV (6.75) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that 1FISV has dependencies on debt financing.
  • 1FISV's Debt to Equity ratio of 1.08 is on the low side compared to the rest of the industry. 1FISV is outperformed by 64.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.3
ROIC/WACC1.18
WACC7.18%
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 61.40% of its industry peers.
  • 1FISV has a Quick Ratio of 1.03. 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 Quick ratio of 1.03. This is in the lower half of the industry: 1FISV underperforms 61.40% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. 1FISV.MI Growth Analysis

3.1 Past

  • The earnings per share for 1FISV have decreased by -2.04% in the last year.
  • Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.35% on average per year.
  • 1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 3.60%.
  • The Revenue has been growing slightly by 7.37% on average over the past years.
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 13.22% yearly.
  • Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 3.88% on average per year.
EPS Next Y-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue Next Year2.05%
Revenue Next 2Y2.98%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%

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.
  • 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 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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8

4. 1FISV.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1FISV is valuated cheaply with a Price/Earnings ratio of 6.25.
  • Based on the Price/Earnings ratio, 1FISV is valued cheaply inside the industry as 87.72% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (26.21), we can say 1FISV is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.52 indicates a rather cheap valuation of 1FISV.
  • 84.21% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
  • 1FISV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.13.
Industry RankSector Rank
PE 6.25
Fwd PE 6.52
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

  • Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than 73.68% 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 80.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.72
EV/EBITDA 6.44
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

  • 1FISV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.44
EPS Next 2Y3.31%
EPS Next 3Y5.46%

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

0

5. 1FISV.MI Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

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

FISERV INC

BIT:1FISV (3/27/2026, 7:00:00 PM)

46.88

-1.6 (-3.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-28
Inst Owners93.69%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap25.07B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target74.67 (59.28%)
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 Years0
Div Non Decr Years0
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)-9.35%
PT rev (3m)-12.19%
EPS NQ rev (1m)-2.14%
EPS NQ rev (3m)-11.28%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-3.09%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)-1.81%
Revenue NY rev (1m)-0.14%
Revenue NY rev (3m)-0.66%
Valuation
Industry RankSector Rank
PE 6.25
Fwd PE 6.52
P/S 1.36
P/FCF 6.72
P/OCF 4.77
P/B 1.12
P/tB N/A
EV/EBITDA 6.44
EPS(TTM)7.5
EY16%
EPS(NY)7.19
Fwd EY15.33%
FCF(TTM)6.98
FCFY14.88%
OCF(TTM)9.84
OCFY20.98%
SpS34.39
BVpS41.85
TBVpS-35.81
PEG (NY)N/A
PEG (5Y)0.44
Graham Number84.03
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 4.05
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 1.3
F-Score5
WACC7.18%
ROIC/WACC1.18
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-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.05%
Revenue Next 2Y2.98%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.43%
EBIT Next 3Y7.11%
EBIT Next 5Y6.45%
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 8 / 10 to FISERV INC (1FISV.MI). This can be considered as Undervalued.


Can you provide the profitability details for FISERV INC?

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.