FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - BIT:1FISV - US3377381088 - Common Stock
109.34 EUR
-0.18 (-0.16%)
1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. 1FISV scores excellent on profitability, but there are concerns on its financial health. 1FISV has a decent growth rate and is not valued too expensively.
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.
1.2 Ratios
1FISV has a better Return On Assets (4.14%) than 71.15% of its industry peers.
Looking at the Return On Equity, with a value of 13.40%, 1FISV is in the better half of the industry, outperforming 73.08% of the companies in the same industry.
1FISV's Return On Invested Capital of 9.23% is fine compared to the rest of the industry. 1FISV outperforms 76.92% of its industry peers.
1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 9.85%.
The last Return On Invested Capital (9.23%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROIC | 9.23% |
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
The Profit Margin of 1FISV (16.01%) is better than 69.23% of its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
Looking at the Operating Margin, with a value of 30.05%, 1FISV is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
1FISV's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 61.14%, 1FISV is doing good in the industry, outperforming 63.46% of the companies in the same industry.
In the last couple of years the Gross Margin of 1FISV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% |
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1FISV is creating some value.
Compared to 1 year ago, 1FISV has less shares outstanding
Compared to 5 years ago, 1FISV has less shares outstanding
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
1FISV has a debt to FCF ratio of 5.74. This is a neutral value as 1FISV would need 5.74 years to pay back of all of its debts.
1FISV has a Debt to FCF ratio (5.74) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.11 is on the high side and indicates that 1FISV has dependencies on debt financing.
1FISV's Debt to Equity ratio of 1.11 is on the low side compared to the rest of the industry. 1FISV is outperformed by 71.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.26
WACC7.32%
2.3 Liquidity
1FISV has a Current Ratio of 1.09. 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 1.09, 1FISV is not doing good in the industry: 65.38% of the companies in the same industry are doing better.
1FISV has a Quick Ratio of 1.09. This is a normal value and indicates that 1FISV is financially healthy and should not expect problems in meeting its short term obligations.
1FISV's Quick ratio of 1.09 is on the low side compared to the rest of the industry. 1FISV is outperformed by 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.44%, which is quite good.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 6.73% in the last year.
1FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
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.
1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.17% yearly.
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
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
Based on the Price/Earnings ratio of 13.57, the valuation of 1FISV can be described as correct.
1FISV's Price/Earnings ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 67.31% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.83. 1FISV is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 10.47, the valuation of 1FISV can be described as very reasonable.
71.15% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
1FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.68, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 65.38% of the companies in the same industry.
1FISV's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.46 | ||
| EV/EBITDA | 10.37 |
4.3 Compensation for Growth
1FISV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of 1FISV may justify a higher PE ratio.
A more expensive valuation may be justified as 1FISV's earnings are expected to grow with 17.18% in the coming years.
PEG (NY)0.71
PEG (5Y)0.74
EPS Next 2Y17.61%
EPS Next 3Y17.18%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (10/9/2025, 7:00:00 PM)
109.34
-0.18 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap59.44B
Revenue(TTM)21.11B
Net Income(TTM)3.38B
Analysts84.29
Price Target160.33 (46.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-0.62%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.04%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)2
Avg EPS beat(12)-1.65%
EPS beat(16)3
Avg EPS beat(16)-1.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.42%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-2.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)12
Avg Revenue beat(16)1.58%
PT rev (1m)0.57%
PT rev (3m)-14.97%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 | ||
| P/S | 3.29 | ||
| P/FCF | 13.46 | ||
| P/OCF | 10.25 | ||
| P/B | 2.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.37 |
EPS(TTM)8.06
EY7.37%
EPS(NY)10.44
Fwd EY9.55%
FCF(TTM)8.12
FCFY7.43%
OCF(TTM)10.67
OCFY9.75%
SpS33.25
BVpS39.71
TBVpS-35.7
PEG (NY)0.71
PEG (5Y)0.74
Graham Number84.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROCE | 11.09% | ||
| ROIC | 9.23% | ||
| ROICexc | 9.39% | ||
| ROICexgc | 63.37% | ||
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% | ||
| FCFM | 24.43% |
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-Score8
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 52% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.66% | ||
| Profit Quality | 152.62% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | N/A |
F-Score8
WACC7.32%
ROIC/WACC1.26
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)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y12.63%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
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 of FISERV INC (1FISV.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
How profitable is FISERV INC (1FISV.MI) stock?
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.
What is the earnings growth outlook for FISERV INC?
The Earnings per Share (EPS) of FISERV INC (1FISV.MI) is expected to grow by 19.09% in the next year.