FISERV INC (1FISV.MI) Stock Fundamental Analysis

BIT:1FISV • US3377381088

50.16 EUR
-4.78 (-8.7%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to 1FISV. 1FISV was compared to 58 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on 1FISV.


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • 1FISV had positive earnings in the past year.
  • In the past year 1FISV had a positive cash flow from operations.
  • 1FISV had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of 1FISV (4.34%) is better than 75.86% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.49%, 1FISV is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
  • The Return On Invested Capital of 1FISV (8.45%) is better than 77.59% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1FISV is in line with the industry average of 8.98%.
  • The last Return On Invested Capital (8.45%) for 1FISV is above the 3 year average (8.12%), which is a sign of increasing profitability.
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 has a Profit Margin of 16.42%. This is in the better half of the industry: 1FISV outperforms 68.97% 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 26.89%, 1FISV is in the better half of the industry, outperforming 77.59% of the companies in the same industry.
  • In the last couple of years the Operating Margin of 1FISV has grown nicely.
  • The Gross Margin of 1FISV (59.36%) is better than 62.07% of its industry peers.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • 1FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, 1FISV has less shares outstanding
  • 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

  • The Debt to FCF ratio of 1FISV is 6.75, which is on the high side as it means it would take 1FISV, 6.75 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.75, 1FISV is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
  • 1FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external 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 67.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.06
WACC7.97%
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

  • 1FISV has a Current 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.
  • With a Current ratio value of 1.03, 1FISV is not doing good in the industry: 62.07% of the companies in the same industry are doing better.
  • 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.
  • Looking at the Quick ratio, with a value of 1.03, 1FISV is doing worse than 62.07% of the companies in the same industry.
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

More info and screens

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 for 1FISV have decreased by -2.04% in the last year.
  • 1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.35% yearly.
  • Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 3.60% in the last year.
  • 1FISV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.37% yearly.
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 12.46% yearly.
  • 1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.97% yearly.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%

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.
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

  • Based on the Price/Earnings ratio of 6.82, the valuation of 1FISV can be described as very cheap.
  • Based on the Price/Earnings ratio, 1FISV is valued cheaply inside the industry as 84.48% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (26.99), we can say 1FISV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.06, the valuation of 1FISV can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, 1FISV is valued a bit cheaper than the industry average as 77.59% of the companies are valued more expensively.
  • 1FISV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
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 70.69% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than 77.59% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.38
EV/EBITDA 6.76
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

  • The excellent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y3.86%
EPS Next 3Y4.26%

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 (2/13/2026, 7:00:00 PM)

50.16

-4.78 (-8.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap26.98B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target82.37 (64.21%)
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)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)-3.13%
PT rev (3m)-48.62%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)-28.12%
EPS NY rev (1m)-2.28%
EPS NY rev (3m)-31.53%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-8.31%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)-10.76%
Valuation
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
P/S 1.5
P/FCF 7.38
P/OCF 5.23
P/B 1.23
P/tB N/A
EV/EBITDA 6.76
EPS(TTM)7.35
EY14.65%
EPS(NY)7.11
Fwd EY14.17%
FCF(TTM)6.8
FCFY13.56%
OCF(TTM)9.59
OCFY19.12%
SpS33.53
BVpS40.8
TBVpS-34.92
PEG (NY)N/A
PEG (5Y)0.48
Graham Number82.14
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 250
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z N/A
F-Score5
WACC7.97%
ROIC/WACC1.06
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-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year21.11%
EBIT Next 3Y8.72%
EBIT Next 5Y6.3%
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 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 8 / 10.


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

The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 6.82 and the Price/Book (PB) ratio is 1.23.