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
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 belongs to the best of the industry regarding profitability, there are 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
- In the past year 1FISV was profitable.
- 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 69.49% of the companies in the same industry.
- 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 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 66.10% of its industry peers.
- In the last couple of years the Profit Margin of 1FISV has grown nicely.
- The Operating Margin of 1FISV (28.72%) is better than 76.27% of its industry peers.
- In the last couple of years the Operating Margin of 1FISV has grown nicely.
- 1FISV has a Gross Margin of 60.48%. This is in the better half of the industry: 1FISV outperforms 62.71% 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.
- 1FISV has less shares outstanding than it did 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
- Based on the Altman-Z score of 1.40, we must say that 1FISV is in the distress zone and has some risk of bankruptcy.
- 1FISV's Altman-Z score of 1.40 is in line compared to the rest of the industry. 1FISV outperforms 54.24% 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.
- 1FISV has a Debt to FCF ratio of 6.54. This is comparable 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.
- 1FISV has a Debt to Equity ratio of 1.15. This is in the lower half of the industry: 1FISV underperforms 71.19% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.13
WACC7.85%
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.
- 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.
- 1FISV's Quick ratio of 1.08 is in line compared to the rest of the industry. 1FISV outperforms 40.68% 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.
- 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.
- The Revenue has been growing slightly by 5.16% in the past 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.
- 1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.28% yearly.
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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 7.26 indicates a rather cheap valuation of 1FISV.
- 84.75% of the companies in the same industry are more expensive than 1FISV, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.39. 1FISV is valued rather cheaply when compared to this.
- 1FISV is valuated cheaply with a Price/Forward Earnings ratio of 7.86.
- 79.66% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 25.72. 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.