FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - BIT:1FISV - US3377381088 - Common Stock
109.34 EUR
-0.18 (-0.16%)
We assign a fundamental rating of 5 out of 10 to 1FISV. 1FISV was compared to 50 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. 1FISV has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year 1FISV was profitable.
1FISV had a positive operating cash flow in the past year.
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
With a decent Return On Assets value of 4.14%, 1FISV is doing good in the industry, outperforming 71.15% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.40%, 1FISV is in the better half of the industry, outperforming 73.08% of the companies in the same industry.
With a decent Return On Invested Capital value of 9.23%, 1FISV is doing good in the industry, outperforming 76.92% 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 9.72%.
The last Return On Invested Capital (9.23%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROIC | 9.23% |
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 16.01%, 1FISV is in the better half of the industry, outperforming 69.23% of the companies in the same industry.
1FISV's Profit Margin has improved in the last couple of years.
1FISV's Operating Margin of 30.05% is fine compared to the rest of the industry. 1FISV outperforms 76.92% of its industry peers.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV has a better Gross Margin (61.14%) than 63.46% of its industry peers.
In the last couple of years the Gross Margin of 1FISV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% |
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.
The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
Compared to 5 years ago, 1FISV has less shares outstanding
The debt/assets ratio for 1FISV is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of 1FISV is 5.74, which is a neutral value as it means it would take 1FISV, 5.74 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.74, 1FISV perfoms like the industry average, outperforming 59.62% of the companies in the same industry.
A Debt/Equity ratio of 1.11 is on the high side and indicates that 1FISV has dependencies on debt financing.
1FISV's Debt to Equity ratio of 1.11 is on the low side compared to the rest of the industry. 1FISV is outperformed by 71.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.26
WACC7.32%
2.3 Liquidity
1FISV has a Current Ratio of 1.09. 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 (1.09) is worse than 65.38% of its industry peers.
A Quick Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV has a worse Quick ratio (1.09) than 63.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.44%, which is quite good.
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 6.73% 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)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
3.2 Future
1FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.99% yearly.
1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.17% yearly.
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 13.57, which indicates a correct valuation of 1FISV.
1FISV's Price/Earnings ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 67.31% of the companies in the same industry.
1FISV is valuated rather cheaply when we compare the Price/Earnings ratio to 25.89, which is the current average of the S&P500 Index.
1FISV is valuated reasonably with a Price/Forward Earnings ratio of 10.47.
1FISV's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 71.15% of the companies in the same industry.
1FISV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.59.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 |
4.2 Price Multiples
1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 65.38% of the companies in the same industry.
1FISV's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.46 | ||
| EV/EBITDA | 10.37 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of 1FISV may justify a higher PE ratio.
A more expensive valuation may be justified as 1FISV's earnings are expected to grow with 17.18% in the coming years.
PEG (NY)0.71
PEG (5Y)0.74
EPS Next 2Y17.61%
EPS Next 3Y17.18%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (10/9/2025, 7:00:00 PM)
109.34
-0.18 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap59.44B
Revenue(TTM)21.11B
Net Income(TTM)3.38B
Analysts84.29
Price Target160.33 (46.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-0.62%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.04%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)2
Avg EPS beat(12)-1.65%
EPS beat(16)3
Avg EPS beat(16)-1.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.42%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-2.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)12
Avg Revenue beat(16)1.58%
PT rev (1m)0.57%
PT rev (3m)-14.97%
EPS NQ rev (1m)-0.22%
EPS NQ rev (3m)-1.65%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.43%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.57 | ||
| Fwd PE | 10.47 | ||
| P/S | 3.29 | ||
| P/FCF | 13.46 | ||
| P/OCF | 10.25 | ||
| P/B | 2.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.37 |
EPS(TTM)8.06
EY7.37%
EPS(NY)10.44
Fwd EY9.55%
FCF(TTM)8.12
FCFY7.43%
OCF(TTM)10.67
OCFY9.75%
SpS33.25
BVpS39.71
TBVpS-35.7
PEG (NY)0.71
PEG (5Y)0.74
Graham Number84.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROCE | 11.09% | ||
| ROIC | 9.23% | ||
| ROICexc | 9.39% | ||
| ROICexgc | 63.37% | ||
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% | ||
| FCFM | 24.43% |
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
ROICexc(3y)7.22%
ROICexc(5y)5.43%
ROICexgc(3y)52.66%
ROICexgc(5y)40.98%
ROCE(3y)8.53%
ROCE(5y)6.42%
ROICexgc growth 3Y34.49%
ROICexgc growth 5Y29.52%
ROICexc growth 3Y39.63%
ROICexc growth 5Y32.38%
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
F-Score8
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 52% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.66% | ||
| Profit Quality | 152.62% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | N/A |
F-Score8
WACC7.32%
ROIC/WACC1.26
Cap/Depr(3y)47.28%
Cap/Depr(5y)41.23%
Cap/Sales(3y)7.76%
Cap/Sales(5y)7.3%
Profit Quality(3y)136.25%
Profit Quality(5y)192.63%
High Growth Momentum
Growth
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y12.63%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
OCF growth 3Y18.02%
OCF growth 5Y18.86%
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 of FISERV INC (1FISV.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
How profitable is FISERV INC (1FISV.MI) stock?
FISERV INC (1FISV.MI) has a profitability rating of 7 / 10.
How financially healthy is FISERV INC?
The financial health rating of FISERV INC (1FISV.MI) is 3 / 10.
What is the earnings growth outlook for FISERV INC?
The Earnings per Share (EPS) of FISERV INC (1FISV.MI) is expected to grow by 19.09% in the next year.