FISERV INC (1FISV.MI) Fundamental Analysis & Valuation

BIT:1FISV • US3377381088

Current stock price

50.16 EUR
-4.78 (-8.7%)
Last:

This 1FISV.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. 1FISV.MI Profitability Analysis

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.
1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCF1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • 1FISV has a better Return On Assets (4.34%) than 75.86% of its industry peers.
  • Looking at the Return On Equity, with a value of 13.49%, 1FISV is in the better half of the industry, outperforming 72.41% of the companies in the same industry.
  • With a decent Return On Invested Capital value of 8.45%, 1FISV is doing good in the industry, outperforming 77.59% 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 10.33%.
  • The last Return On Invested Capital (8.45%) for 1FISV is above the 3 year average (8.12%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
1FISV.MI Yearly ROA, ROE, ROIC1FISV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • Looking at the Profit Margin, with a value of 16.42%, 1FISV is in the better half of the industry, outperforming 68.97% of the companies in the same industry.
  • 1FISV's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 26.89%, 1FISV is in the better half of the industry, outperforming 77.59% of the companies in the same industry.
  • 1FISV's Operating Margin has improved in the last couple of years.
  • The Gross Margin of 1FISV (59.36%) is better than 62.07% of its industry peers.
  • In the last couple of years the Gross Margin of 1FISV has grown nicely.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
1FISV.MI Yearly Profit, Operating, Gross Margins1FISV.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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3

2. 1FISV.MI Health Analysis

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.
  • Compared to 1 year ago, 1FISV has less shares outstanding
  • The number of shares outstanding for 1FISV has been reduced compared to 5 years ago.
  • 1FISV has a worse debt/assets ratio than last year.
1FISV.MI Yearly Shares Outstanding1FISV.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
1FISV.MI Yearly Total Debt VS Total Assets1FISV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 1FISV has a debt to FCF ratio of 6.75. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.75 years to pay back of all of its debts.
  • 1FISV has a better Debt to FCF ratio (6.75) than 62.07% of its industry peers.
  • 1FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • 1FISV's Debt to Equity ratio of 1.08 is on the low side compared to the rest of the industry. 1FISV is outperformed by 67.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.06
WACC7.96%
1FISV.MI Yearly LT Debt VS Equity VS FCF1FISV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 1FISV has a Current Ratio of 1.03. 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 (1.03) is worse than 62.07% of its industry peers.
  • A Quick Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.03, 1FISV is doing worse than 62.07% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
1FISV.MI Yearly Current Assets VS Current Liabilites1FISV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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4

3. 1FISV.MI Growth Analysis

3.1 Past

  • 1FISV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • The Earnings Per Share has been growing by 14.35% 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 3.60% in the last year.
  • Measured over the past years, 1FISV shows a small growth in Revenue. The Revenue has been growing by 7.37% on average per year.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%

3.2 Future

  • The Earnings Per Share is expected to grow by 12.46% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.97% on average over the next years.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%

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.
1FISV.MI Yearly Revenue VS Estimates1FISV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
1FISV.MI Yearly EPS VS Estimates1FISV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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7

4. 1FISV.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • 1FISV is valuated cheaply with a Price/Earnings ratio of 6.82.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 84.48% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (25.70), we can say 1FISV is valued rather cheaply.
  • 1FISV is valuated cheaply with a Price/Forward Earnings ratio of 7.06.
  • Based on the Price/Forward Earnings ratio, 1FISV is valued a bit cheaper than the industry average as 77.59% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (23.84), we can say 1FISV is valued rather cheaply.
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
1FISV.MI Price Earnings VS Forward Price Earnings1FISV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 70.69% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than the industry average as 77.59% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.38
EV/EBITDA 6.76
1FISV.MI Per share data1FISV.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y3.86%
EPS Next 3Y4.26%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. 1FISV.MI Dividend Analysis

5.1 Amount

  • 1FISV does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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1FISV.MI Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

BIT:1FISV (2/13/2026, 7:00:00 PM)

50.16

-4.78 (-8.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap26.98B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target82.37 (64.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)0
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)2
Avg Revenue beat(8)-1.77%
Revenue beat(12)6
Avg Revenue beat(12)0.12%
Revenue beat(16)10
Avg Revenue beat(16)1.39%
PT rev (1m)-3.13%
PT rev (3m)-48.62%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)-28.12%
EPS NY rev (1m)-2.28%
EPS NY rev (3m)-31.53%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-8.31%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)-10.76%
Valuation
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
P/S 1.5
P/FCF 7.38
P/OCF 5.23
P/B 1.23
P/tB N/A
EV/EBITDA 6.76
EPS(TTM)7.35
EY14.65%
EPS(NY)7.11
Fwd EY14.17%
FCF(TTM)6.8
FCFY13.56%
OCF(TTM)9.59
OCFY19.12%
SpS33.53
BVpS40.8
TBVpS-34.92
PEG (NY)N/A
PEG (5Y)0.48
Graham Number82.14
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 250
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z N/A
F-Score5
WACC7.96%
ROIC/WACC1.06
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year21.11%
EBIT Next 3Y8.72%
EBIT Next 5Y6.3%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

FISERV INC / 1FISV.MI Fundamental Analysis 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 8 / 10.


Can you provide the PE and PB ratios for 1FISV stock?

The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 6.82 and the Price/Book (PB) ratio is 1.23.