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

BIT:1FISV • US3377381088

Current stock price

48.35 EUR
-0.13 (-0.27%)
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

  • 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.
  • 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 2025 2B 4B 6B

1.2 Ratios

  • 1FISV's Return On Assets of 4.34% is fine compared to the rest of the industry. 1FISV outperforms 77.19% of its industry peers.
  • 1FISV's Return On Equity of 13.49% is fine compared to the rest of the industry. 1FISV outperforms 70.18% of its industry peers.
  • 1FISV has a Return On Invested Capital of 8.45%. This is in the better half of the industry: 1FISV outperforms 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 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

  • The Profit Margin of 1FISV (16.42%) is better than 66.67% of its industry peers.
  • 1FISV's Profit Margin has improved in the last couple of years.
  • The Operating Margin of 1FISV (26.89%) is better than 73.68% of its industry peers.
  • 1FISV's Operating Margin has improved in the last couple of years.
  • 1FISV has a Gross Margin (59.36%) which is comparable to the rest of the 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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3

2. 1FISV.MI Health Analysis

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.
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's Altman-Z score of 1.30 is in line compared to the rest of the industry. 1FISV outperforms 49.12% of its industry peers.
  • 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.
  • 1FISV has a Debt to FCF ratio of 6.75. This is comparable to the rest of the industry: 1FISV outperforms 59.65% of its industry peers.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that 1FISV has dependencies on debt financing.
  • 1FISV has a worse Debt to Equity ratio (1.08) than 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.
  • A Quick Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.03, 1FISV is doing worse than 61.40% 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

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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

  • 1FISV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • 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.
  • The Revenue is expected to grow by 3.88% on average over the next years.
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.
  • 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 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

  • The Price/Earnings ratio is 6.45, which indicates a rather cheap valuation of 1FISV.
  • Based on the Price/Earnings ratio, 1FISV is valued cheaper than 87.72% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.91. 1FISV is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.73 indicates a rather cheap valuation of 1FISV.
  • 1FISV's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 84.21% of the companies in the same industry.
  • 1FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.45
Fwd PE 6.73
1FISV.MI Price Earnings VS Forward Price Earnings1FISV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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.
  • Based on the Price/Free Cash Flow ratio, 1FISV is valued cheaply inside the industry as 80.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.93
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

  • The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.45
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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1FISV.MI Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

BIT:1FISV (4/7/2026, 7:00:00 PM)

48.35

-0.13 (-0.27%)

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 Cap25.86B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target74.67 (54.44%)
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 6.45
Fwd PE 6.73
P/S 1.41
P/FCF 6.93
P/OCF 4.92
P/B 1.16
P/tB N/A
EV/EBITDA 6.44
EPS(TTM)7.5
EY15.51%
EPS(NY)7.19
Fwd EY14.87%
FCF(TTM)6.98
FCFY14.43%
OCF(TTM)9.84
OCFY20.34%
SpS34.39
BVpS41.85
TBVpS-35.81
PEG (NY)N/A
PEG (5Y)0.45
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.