FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1FISV • US3377381088
55.55 EUR
+0.95 (+1.74%)
Last: Jan 28, 2026, 07:00 PM
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 59 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on 1FISV.
1. Profitability
1.1 Basic Checks
- 1FISV had positive earnings in the past year.
- In the past year 1FISV had a positive cash flow from operations.
- 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
- 1FISV has a better Return On Assets (4.54%) than 69.49% of its industry peers.
- Looking at the Return On Equity, with a value of 14.36%, 1FISV is in the better half of the industry, outperforming 71.19% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 8.87%, 1FISV is in the better half of the industry, outperforming 72.88% of the companies in the same industry.
- Measured over the past 3 years, the Average Return On Invested Capital 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 66.10% of its industry peers.
- In the last couple of years the Profit Margin of 1FISV has grown nicely.
- 1FISV has a Operating Margin of 28.72%. This is in the better half of the industry: 1FISV outperforms 76.27% of its industry peers.
- 1FISV's Operating Margin has improved in the last couple of years.
- 1FISV has a better Gross Margin (60.48%) than 62.71% of its industry peers.
- In the last couple of years the Gross Margin of 1FISV has grown nicely.
| 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
- 1FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- 1FISV has less shares outstanding than it did 1 year ago.
- 1FISV has less shares outstanding than it did 5 years ago.
- 1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
- 1FISV has an Altman-Z score of 1.40. 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 (1.40) 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.
- 1FISV's Debt to FCF ratio of 6.54 is in line compared to the rest of the industry. 1FISV outperforms 57.63% of its industry peers.
- A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
- With a Debt to Equity ratio value of 1.15, 1FISV is not doing good in the industry: 71.19% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.13
WACC7.87%
2.3 Liquidity
- A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.08, 1FISV perfoms like the industry average, outperforming 40.68% of the companies in the same industry.
- 1FISV has a Quick 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.
- Looking at the Quick ratio, with a value of 1.08, 1FISV is in line with its industry, outperforming 40.68% of the companies in the same industry.
| 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.
- The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
- The Revenue has been growing slightly by 5.16% in the past year.
- The Revenue has been growing by 14.96% on average over the past years. This is quite good.
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
- Based on estimates for the next years, 1FISV will show a small growth in Earnings Per Share. The EPS will grow by 5.05% on average per year.
- 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
- The Price/Earnings ratio is 7.26, which indicates a rather cheap valuation of 1FISV.
- Based on the Price/Earnings ratio, 1FISV is valued cheaper than 84.75% 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 28.30.
- With a Price/Forward Earnings ratio of 7.86, the valuation of 1FISV can be described as very cheap.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 79.66% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 25.57. 1FISV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.26 | ||
| Fwd PE | 7.86 |
4.2 Price Multiples
- 69.49% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than 79.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.74 | ||
| EV/EBITDA | 6.87 |
4.3 Compensation for Growth
- The decent profitability rating of 1FISV 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
- 1FISV does not give a dividend.
| 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 7 / 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 7.26 and the Price/Book (PB) ratio is 1.42.