FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
55.45 EUR
-2.11 (-3.67%)
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. 1FISV has an excellent profitability rating, but there are some minor concerns on its financial health. 1FISV is valued quite cheap, while showing a decent growth score. This is a good 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.
- 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 has a better Return On Assets (4.54%) than 72.13% of its industry peers.
- The Return On Equity of 1FISV (14.36%) is better than 70.49% of its industry peers.
- 1FISV has a better Return On Invested Capital (8.87%) than 73.77% of its industry peers.
- 1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 10.02%.
- The 3 year average ROIC (7.07%) for 1FISV is below the current ROIC(8.87%), indicating increased profibility in the last year.
| 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 better Profit Margin (17.05%) than 65.57% of its industry peers.
- 1FISV's Profit Margin has improved in the last couple of years.
- 1FISV's Operating Margin of 28.72% is fine compared to the rest of the industry. 1FISV outperforms 77.05% of its industry peers.
- In the last couple of years the Operating Margin of 1FISV has grown nicely.
- Looking at the Gross Margin, with a value of 60.48%, 1FISV is in the better half of the industry, outperforming 62.30% of the companies in the same industry.
- 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.
- 1FISV has less shares outstanding than it did 1 year ago.
- 1FISV has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, 1FISV has a worse debt to assets ratio.
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 of 1.40. This is comparable to the rest of the industry: 1FISV outperforms 54.10% of its industry peers.
- 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 the better half of the industry, outperforming 60.66% of the companies in the same industry.
- A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
- 1FISV's Debt to Equity ratio of 1.15 is on the low side compared to the rest of the industry. 1FISV is outperformed by 67.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.12
WACC7.89%
2.3 Liquidity
- A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
- 1FISV has a Current ratio (1.08) which 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.
- Looking at the Quick ratio, with a value of 1.08, 1FISV is in line with its industry, outperforming 44.26% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
- 1FISV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
- 1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
- 1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
- 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
- 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 7.11, which indicates a rather cheap valuation of 1FISV.
- Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 88.52% of the companies listed in the same industry.
- 1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
- A Price/Forward Earnings ratio of 7.70 indicates a rather cheap valuation of 1FISV.
- 83.61% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
- 1FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.11 | ||
| Fwd PE | 7.7 |
4.2 Price Multiples
- 75.41% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 81.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.58 | ||
| EV/EBITDA | 6.79 |
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)0.39
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 7.11 and the Price/Book (PB) ratio is 1.39.