FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
57.38 EUR
+0.29 (+0.51%)
We assign a fundamental rating of 6 out of 10 to 1FISV. 1FISV was compared to 58 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.
1FISV had a positive operating cash flow in the past year.
Each year in the past 5 years 1FISV has been profitable.
1FISV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.54%, 1FISV is in the better half of the industry, outperforming 75.86% of the companies in the same industry.
1FISV has a Return On Equity of 14.36%. This is in the better half of the industry: 1FISV outperforms 75.86% of its industry peers.
With a decent Return On Invested Capital value of 8.87%, 1FISV is doing good in the industry, outperforming 77.59% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1FISV is in line with the industry average of 8.80%.
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
With a decent Profit Margin value of 17.05%, 1FISV is doing good in the industry, outperforming 68.97% of the companies in the same industry.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
1FISV has a better Operating Margin (28.72%) than 77.59% of its industry peers.
1FISV's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 60.48%, 1FISV is in the better half of the industry, outperforming 63.79% of the companies in the same 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.
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
1FISV has an Altman-Z score of 1.41. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.41, 1FISV is in line with its industry, outperforming 55.17% 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.
The Debt to FCF ratio of 1FISV (6.54) is better than 60.34% of its industry peers.
1FISV has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.15, 1FISV is doing worse than 68.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.12
WACC7.94%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV's Current ratio of 1.08 is in line compared to the rest of the industry. 1FISV outperforms 44.83% of its industry peers.
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.
Looking at the Quick ratio, with a value of 1.08, 1FISV is in line with its industry, outperforming 44.83% of the companies in the same industry.
| 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.
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 quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.99% yearly.
Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 7.38% on average per year.
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y15.99%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
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.
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
1FISV is valuated cheaply with a Price/Earnings ratio of 7.33.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 89.66% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (27.30), we can say 1FISV is valued rather cheaply.
A Price/Forward Earnings ratio of 7.85 indicates a rather cheap valuation of 1FISV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 82.76% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (24.04), we can say 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.33 | ||
| Fwd PE | 7.85 |
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 75.86% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, 1FISV is valued cheaply inside the industry as 81.03% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.81 | ||
| EV/EBITDA | 6.89 |
4.3 Compensation for Growth
1FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (1/13/2026, 7:00:00 PM)
57.38
+0.29 (+0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap30.86B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target85.03 (48.19%)
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)-46.96%
PT rev (3m)-46.59%
EPS NQ rev (1m)-35.57%
EPS NQ rev (3m)-35.79%
EPS NY rev (1m)-16.53%
EPS NY rev (3m)-16.53%
Revenue NQ rev (1m)-9.98%
Revenue NQ rev (3m)-10.32%
Revenue NY rev (1m)-5.37%
Revenue NY rev (3m)-5.38%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.33 | ||
| Fwd PE | 7.85 | ||
| P/S | 1.71 | ||
| P/FCF | 7.81 | ||
| P/OCF | 5.69 | ||
| P/B | 1.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.89 |
EPS(TTM)7.83
EY13.65%
EPS(NY)7.31
Fwd EY12.74%
FCF(TTM)7.35
FCFY12.8%
OCF(TTM)10.08
OCFY17.57%
SpS33.65
BVpS39.95
TBVpS-35.76
PEG (NY)N/A
PEG (5Y)0.4
Graham Number83.89
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 | 1.41 |
F-Score7
WACC7.94%
ROIC/WACC1.12
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-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y15.99%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.2%
EBIT Next 3Y7.96%
EBIT Next 5Y12.84%
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 6 / 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 8 / 10.
Can you provide the PE and PB ratios for 1FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 7.33 and the Price/Book (PB) ratio is 1.44.