FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
109.34 EUR
-0.18 (-0.16%)
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 54 industry peers in the Financial Services industry. 1FISV scores excellent on profitability, but 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
1FISV had positive earnings in the past year.
1FISV had a positive operating cash flow in the past year.
In the past 5 years 1FISV has always been profitable.
Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
1FISV's Return On Assets of 4.14% is fine compared to the rest of the industry. 1FISV outperforms 71.15% of its industry peers.
The Return On Equity of 1FISV (13.40%) is better than 73.08% of its industry peers.
With a decent Return On Invested Capital value of 9.23%, 1FISV is doing good in the industry, outperforming 76.92% of the companies in the same industry.
1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 10.39%.
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
1FISV has a Profit Margin of 16.01%. This is in the better half of the industry: 1FISV outperforms 69.23% of its industry peers.
1FISV's Profit Margin has improved in the last couple of years.
1FISV has a better Operating Margin (30.05%) than 76.92% of its industry peers.
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
1FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
Compared to 5 years ago, 1FISV has less shares outstanding
Compared to 1 year ago, 1FISV has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of 1FISV is 5.74, which is a neutral value as it means it would take 1FISV, 5.74 years of fcf income to pay off all of its debts.
1FISV has a Debt to FCF ratio (5.74) which is comparable to the rest of the industry.
1FISV has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.11, 1FISV is not doing good in the industry: 71.15% of the companies in the same industry are doing better.
| 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.
The Current ratio of 1FISV (1.09) is worse than 65.38% of its industry peers.
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 has a worse Quick ratio (1.09) than 63.46% of its industry peers.
| 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.
Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 6.73%.
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.
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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 13.57, 1FISV is valued correctly.
67.31% of the companies in the same industry are more expensive than 1FISV, based on the Price/Earnings ratio.
1FISV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.49.
A Price/Forward Earnings ratio of 10.47 indicates a reasonable valuation of 1FISV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 71.15% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than the industry average as 65.38% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1FISV is on the same level as its industry peers.
| 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.
1FISV has a very decent profitability rating, which 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
No dividends for 1FISV!.
| 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.