FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
56.54 EUR
+1.09 (+1.97%)
Taking everything into account, 1FISV scores 5 out of 10 in our fundamental rating. 1FISV was compared to 59 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. 1FISV scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
- 1FISV had positive earnings in the past year.
- 1FISV had a positive operating cash flow in the past year.
- 1FISV had positive earnings in each of the past 5 years.
- Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 4.54%, 1FISV is doing good in the industry, outperforming 71.19% of the companies in the same industry.
- 1FISV has a Return On Equity of 14.36%. This is in the better half of the industry: 1FISV outperforms 72.88% of its industry peers.
- 1FISV has a better Return On Invested Capital (8.87%) than 74.58% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 10.02%.
- The last Return On Invested Capital (8.87%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| 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 has a Profit Margin of 17.05%. This is in the better half of the industry: 1FISV outperforms 67.80% of its industry peers.
- 1FISV's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 28.72%, 1FISV is doing good in the industry, outperforming 77.97% of the companies in the same industry.
- 1FISV's Operating Margin has improved in the last couple of years.
- 1FISV has a Gross Margin of 60.48%. This is in the better half of the industry: 1FISV outperforms 64.41% of its industry peers.
- 1FISV's Gross Margin has improved in the last couple of years.
| 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.
- The debt/assets ratio for 1FISV is higher compared to a year ago.
2.2 Solvency
- 1FISV has an Altman-Z score of 1.41. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
- 1FISV has a Altman-Z score (1.41) which is comparable to the rest of the industry.
- 1FISV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.54 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 6.54, 1FISV is in line with its industry, outperforming 59.32% of the companies in the same industry.
- 1FISV has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.15, 1FISV is not doing good in the industry: 69.49% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.13
WACC7.87%
2.3 Liquidity
- 1FISV has a Current 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.
- The Current ratio of 1FISV (1.08) is comparable to the rest of the industry.
- A Quick Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
- 1FISV has a Quick ratio of 1.08. This is comparable to the rest of the industry: 1FISV outperforms 42.37% of its industry peers.
| 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.
- 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 5.16% in the last year.
- Measured over the past years, 1FISV shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
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 a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
- The Revenue is expected to grow by 4.28% on average over the next years.
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 7.30, the valuation of 1FISV can be described as very cheap.
- 1FISV's Price/Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 86.44% of the companies in the same industry.
- 1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
- Based on the Price/Forward Earnings ratio of 7.91, the valuation of 1FISV can be described as very cheap.
- 1FISV's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 81.36% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 25.98, 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.3 | ||
| Fwd PE | 7.91 |
4.2 Price Multiples
- 74.58% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
- 1FISV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. 1FISV is cheaper than 81.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.79 | ||
| EV/EBITDA | 6.9 |
4.3 Compensation for Growth
- 1FISV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
5. Dividend
5.1 Amount
- No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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 8 / 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 7 / 10.
Can you provide the PE and PB ratios for 1FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 7.3 and the Price/Book (PB) ratio is 1.43.