FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe • Euronext Milan • BIT:1FISV • US3377381088
54.94 EUR
-0.61 (-1.1%)
Last: Feb 2, 2026, 07:00 PM
We assign a fundamental rating of 5 out of 10 to 1FISV. 1FISV was compared to 55 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are quite some concerns on its financial health. 1FISV may be a bit undervalued, certainly considering the very reasonable score on growth
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
- The Return On Assets of 1FISV (4.54%) is better than 72.73% of its industry peers.
- 1FISV has a better Return On Equity (14.36%) than 69.09% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 8.87%, 1FISV is in the better half of the industry, outperforming 74.55% 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 9.19%.
- 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's Profit Margin of 17.05% is fine compared to the rest of the industry. 1FISV outperforms 65.45% 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 76.36% of its industry peers.
- In the last couple of years the Operating Margin of 1FISV has grown nicely.
- 1FISV has a Gross Margin (60.48%) which is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of 1FISV has grown nicely.
| 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.
- The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
- The number of shares outstanding for 1FISV has been reduced compared to 5 years ago.
- Compared to 1 year ago, 1FISV has a worse debt to assets ratio.
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.
- Looking at the Altman-Z score, with a value of 1.40, 1FISV is in line with its industry, outperforming 58.18% of the companies in the same industry.
- 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's Debt to FCF ratio of 6.54 is in line compared to the rest of the industry. 1FISV outperforms 60.00% 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 worse Debt to Equity ratio (1.15) than 70.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.11
WACC7.97%
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.
- Looking at the Current ratio, with a value of 1.08, 1FISV is in line with its industry, outperforming 45.45% 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.
- 1FISV's Quick ratio of 1.08 is in line compared to the rest of the industry. 1FISV outperforms 45.45% of its industry peers.
| 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%.
- The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
- 1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
- 1FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
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.
- 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
- 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.
- 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
- With a Price/Earnings ratio of 7.10, the valuation of 1FISV can be described as very cheap.
- 1FISV's Price/Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 85.45% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.41, 1FISV is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.69, the valuation of 1FISV can be described as very cheap.
- Based on the Price/Forward Earnings ratio, 1FISV is valued a bit cheaper than 76.36% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (25.64), we can say 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.69 |
4.2 Price Multiples
- 67.27% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
- 1FISV's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 78.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.57 | ||
| EV/EBITDA | 6.79 |
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-2.08%
EPS Next 3Y1.93%
5. Dividend
5.1 Amount
- 1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (2/2/2026, 7:00:00 PM)
54.94
-0.61 (-1.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)02-10 2026-02-10/amc
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap29.55B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target80.6 (46.71%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-24.31%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)-6.09%
Min EPS beat(4)-24.31%
Max EPS beat(4)1.08%
EPS beat(8)2
Avg EPS beat(8)-2.77%
EPS beat(12)2
Avg EPS beat(12)-2.23%
EPS beat(16)3
Avg EPS beat(16)-2.12%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-1.94%
Revenue beat(4)0
Avg Revenue beat(4)-4.53%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)7
Avg Revenue beat(12)0.69%
Revenue beat(16)11
Avg Revenue beat(16)1.76%
PT rev (1m)-5.22%
PT rev (3m)-49.73%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-35.93%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-16.89%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-9.68%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-5.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.69 | ||
| P/S | 1.65 | ||
| P/FCF | 7.57 | ||
| P/OCF | 5.52 | ||
| P/B | 1.39 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.79 |
EPS(TTM)7.74
EY14.09%
EPS(NY)7.14
Fwd EY13%
FCF(TTM)7.25
FCFY13.2%
OCF(TTM)9.95
OCFY18.12%
SpS33.23
BVpS39.45
TBVpS-35.32
PEG (NY)N/A
PEG (5Y)0.39
Graham Number82.88
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.54% | ||
| ROE | 14.36% | ||
| ROCE | 10.66% | ||
| ROIC | 8.87% | ||
| ROICexc | 9.32% | ||
| ROICexgc | 76.24% | ||
| OM | 28.72% | ||
| PM (TTM) | 17.05% | ||
| GM | 60.48% | ||
| FCFM | 21.83% |
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-Score7
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Debt/EBITDA | 3.14 | ||
| Cap/Depr | 55.2% | ||
| Cap/Sales | 8.13% | ||
| Interest Coverage | 4.32 | ||
| Cash Conversion | 68.95% | ||
| Profit Quality | 128.06% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.4 |
F-Score7
WACC7.97%
ROIC/WACC1.11
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)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.05%
EBIT Next 3Y7.93%
EBIT Next 5Y5.88%
FCF growth 1Y20.44%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y21.9%
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 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 7.1 and the Price/Book (PB) ratio is 1.39.