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

BIT:1FISV • US3377381088

Current stock price

49.05 EUR
+0.7 (+1.45%)
Last:

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

8

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.
  • 1FISV had positive earnings in each of the past 5 years.
  • 1FISV had a positive operating cash flow in each of the past 5 years.
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 73.68% of its industry peers.
  • The Return On Equity of 1FISV (13.49%) is better than 66.67% of its industry peers.
  • 1FISV has a Return On Invested Capital of 8.45%. This is in the better half of the industry: 1FISV outperforms 77.19% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for 1FISV is in line with the industry average of 9.16%.
  • 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

  • 1FISV's Profit Margin of 16.42% is fine compared to the rest of the industry. 1FISV outperforms 64.91% of its industry peers.
  • In the last couple of years the Profit Margin of 1FISV has grown nicely.
  • 1FISV has a Operating Margin of 26.89%. This is in the better half of the industry: 1FISV outperforms 71.93% of its industry peers.
  • 1FISV's Operating Margin has improved in the last couple of years.
  • The Gross Margin of 1FISV (59.36%) is better than 61.40% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • 1FISV has less shares outstanding than it did 1 year ago.
  • 1FISV has less shares outstanding than it did 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 an Altman-Z score of 1.32. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
  • 1FISV's Altman-Z score of 1.32 is in line compared to the rest of the industry. 1FISV outperforms 45.61% of its industry peers.
  • 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.
  • With a Debt to FCF ratio value of 6.75, 1FISV perfoms like the industry average, outperforming 56.14% of the companies in the same industry.
  • 1FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.08, 1FISV is not doing good in the industry: 64.91% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.32
ROIC/WACC1.19
WACC7.07%
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

  • A Current Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.03, 1FISV is not doing good in the industry: 64.91% of the companies in the same industry are doing better.
  • 1FISV has a Quick 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.
  • 1FISV has a worse Quick ratio (1.03) than 63.16% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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%.
  • Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.35% on average per year.
  • The Revenue has been growing slightly by 3.60% in the past 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

  • Based on estimates for the next years, 1FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.33% on average per year.
  • The Revenue is expected to grow by 3.80% on average over the next years.
EPS Next Y-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y11.33%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.8%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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

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8

4. 1FISV.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.65 indicates a rather cheap valuation of 1FISV.
  • Based on the Price/Earnings ratio, 1FISV is valued cheaply inside the industry as 85.96% of the companies are valued more expensively.
  • 1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.54.
  • 1FISV is valuated cheaply with a Price/Forward Earnings ratio of 6.94.
  • 84.21% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.68, 1FISV is valued rather cheaply.
Industry RankSector Rank
PE 6.65
Fwd PE 6.94
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 70.18% of the companies listed in the same industry.
  • 82.46% of the companies in the same industry are more expensive than 1FISV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.12
EV/EBITDA 6.64
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

  • 1FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.46
EPS Next 2Y3.22%
EPS Next 3Y5.49%

More info and screens

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 (4/13/2026, 7:00:00 PM)

49.05

+0.7 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength31.06
Industry Growth78.26
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners93.65%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap26.14B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target68.21 (39.06%)
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 Years0
Div Non Decr Years0
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)-17.19%
PT rev (3m)-15.36%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)-11.52%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-2.15%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 6.65
Fwd PE 6.94
P/S 1.44
P/FCF 7.12
P/OCF 5.05
P/B 1.19
P/tB N/A
EV/EBITDA 6.64
EPS(TTM)7.38
EY15.05%
EPS(NY)7.07
Fwd EY14.4%
FCF(TTM)6.89
FCFY14.04%
OCF(TTM)9.71
OCFY19.8%
SpS33.95
BVpS41.32
TBVpS-35.36
PEG (NY)N/A
PEG (5Y)0.46
Graham Number82.8291 (68.87%)
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 4.05
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 1.32
F-Score5
WACC7.07%
ROIC/WACC1.19
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-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y11.33%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.8%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.74%
EBIT Next 3Y7.07%
EBIT Next 5Y6.16%
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 8 / 10 to FISERV INC (1FISV.MI). This can be considered as Undervalued.


Can you provide the profitability details for FISERV INC?

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.