FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
109.34 EUR
-0.18 (-0.16%)
We assign a fundamental rating of 5 out of 10 to 1FISV. 1FISV was compared to 53 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 is not valued too expensively and it also shows a decent growth rate.
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.
In the past 5 years 1FISV always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.14%, 1FISV is in the better half of the industry, outperforming 71.15% of the companies in the same industry.
1FISV's Return On Equity of 13.40% is fine compared to the rest of the industry. 1FISV outperforms 73.08% of its industry peers.
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.
The Average Return On Invested Capital over the past 3 years for 1FISV is in line with the industry average of 8.63%.
The 3 year average ROIC (7.07%) for 1FISV is below the current ROIC(9.23%), indicating increased profibility in the last year.
| 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.
The Operating Margin of 1FISV (30.05%) is better than 76.92% of its industry peers.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV has a Gross Margin of 61.14%. This is in the better half of the industry: 1FISV outperforms 63.46% of its industry peers.
1FISV's Gross Margin has improved in the last couple of years.
| 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
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.
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 of 5.74. This is comparable to the rest of the industry: 1FISV outperforms 59.62% of its industry peers.
1FISV has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external 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
A Current Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.09, 1FISV is doing worse than 65.38% of the companies in the same industry.
A Quick Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.09, 1FISV is doing worse than 63.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.44% over the past year.
1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
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
The Earnings Per Share is expected to grow by 15.99% on average over the next years. This is quite good.
Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 7.17% on average per year.
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.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 67.31% of the companies listed in the same industry.
1FISV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.41.
With a Price/Forward Earnings ratio of 10.47, the valuation of 1FISV can be described as very reasonable.
Based on the Price/Forward Earnings ratio, 1FISV is valued a bit cheaper than the industry average as 71.15% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.40, 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 |
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 65.38% of the companies listed in the same industry.
1FISV's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.46 | ||
| EV/EBITDA | 10.37 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1FISV has an outstanding profitability rating, which may justify a higher PE ratio.
1FISV's earnings are expected to grow with 17.18% in the coming years. This may justify a more expensive valuation.
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.