FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
58.76 EUR
-1.12 (-1.87%)
Taking everything into account, 1FISV scores 5 out of 10 in our fundamental rating. 1FISV was compared to 56 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 may be a bit undervalued, certainly considering the very reasonable score on growth
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.
Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
The Return On Assets of 1FISV (4.54%) is better than 72.88% 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.
The Return On Invested Capital of 1FISV (8.87%) is better 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 3 year average ROIC (7.07%) for 1FISV is below the current ROIC(8.87%), indicating increased profibility in the last year.
| 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's Profit Margin of 17.05% is fine compared to the rest of the industry. 1FISV outperforms 67.80% of its industry peers.
1FISV's Profit Margin has improved in the last couple of years.
1FISV has a better Operating Margin (28.72%) than 76.27% of its industry peers.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
The Gross Margin of 1FISV (60.48%) is comparable to the rest of the 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.
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.
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that 1FISV is in the distress zone and 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.
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 in line with its industry peers.
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 | 1.42 |
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.
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.
1FISV has a Quick ratio (1.08) which is comparable to the rest of the industry.
| 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.
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.
The Revenue has been growing slightly by 5.16% in the past 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
1FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.99% yearly.
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
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.
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 7.56.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 83.05% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. 1FISV is valued rather cheaply when compared to this.
1FISV is valuated reasonably with a Price/Forward Earnings ratio of 8.10.
Based on the Price/Forward Earnings ratio, 1FISV is valued cheaper than 81.36% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.13, 1FISV is valued rather cheaply.
| 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.
Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than 77.97% of the companies in the same industry.
| 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 for 1FISV stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
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 7.56 and the Price/Book (PB) ratio is 1.48.