FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
55.45 EUR
-2.11 (-3.67%)
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 60 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, 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
- In the past year 1FISV was profitable.
- In the past year 1FISV had a positive cash flow from operations.
- In the past 5 years 1FISV has always been profitable.
- In the past 5 years 1FISV always reported a positive cash flow from operatings.
1.2 Ratios
- 1FISV has a Return On Assets of 4.54%. This is in the better half of the industry: 1FISV outperforms 73.33% 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 71.67% of the companies in the same industry.
- 1FISV has a better Return On Invested Capital (8.87%) than 75.00% 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 10.51%.
- 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
- Looking at the Profit Margin, with a value of 17.05%, 1FISV is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
- 1FISV's Profit Margin has improved in the last couple of years.
- With a decent Operating Margin value of 28.72%, 1FISV is doing good in the industry, outperforming 76.67% of the companies in the same industry.
- In the last couple of years the Operating Margin of 1FISV has grown nicely.
- 1FISV has a better Gross Margin (60.48%) than 61.67% 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
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1FISV is creating some value.
- 1FISV has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for 1FISV has been reduced compared to 5 years ago.
- The debt/assets ratio for 1FISV is higher compared to a year ago.
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.
- With a Altman-Z score value of 1.40, 1FISV perfoms like the industry average, outperforming 55.00% of the companies in the same industry.
- The Debt to FCF ratio of 1FISV is 6.54, which is on the high side as it means it would take 1FISV, 6.54 years of fcf income to pay off 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 61.67% 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.
- With a Debt to Equity ratio value of 1.15, 1FISV is not doing good in the industry: 66.67% 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/WACC1.12
WACC7.9%
2.3 Liquidity
- 1FISV has a Current 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.
- With a Current ratio value of 1.08, 1FISV perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
- A Quick Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
- The Quick ratio of 1FISV (1.08) is comparable to the rest of the 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%.
- 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.
- Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last 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
- The Earnings Per Share is expected to grow by 5.05% on average over the next years.
- 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-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y5.05%
Revenue Next Year3.55%
Revenue Next 2Y3%
Revenue Next 3Y3.38%
Revenue Next 5Y4.28%
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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 7.08 indicates a rather cheap valuation of 1FISV.
- 88.33% 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 27.21. 1FISV is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 7.59, the valuation of 1FISV can be described as very cheap.
- 83.33% 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 24.26, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.08 | ||
| Fwd PE | 7.59 |
4.2 Price Multiples
- 1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 75.00% of the companies in the same industry.
- 81.67% of the companies in the same industry are more expensive than 1FISV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.56 | ||
| EV/EBITDA | 6.78 |
4.3 Compensation for Growth
- The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.39
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
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 7.08 and the Price/Book (PB) ratio is 1.39.