FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
58.76 EUR
-1.12 (-1.87%)
1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 56 industry peers in the Financial Services industry. While 1FISV belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on 1FISV.
1. Profitability
1.1 Basic Checks
1FISV had positive earnings in the past year.
In the past year 1FISV had a positive cash flow from operations.
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 72.88% 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 71.19% of its industry peers.
1FISV has a better Return On Invested Capital (8.87%) than 74.58% 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 8.78%.
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
The Profit Margin of 1FISV (17.05%) is better than 67.80% of its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
1FISV has a better Operating Margin (28.72%) than 76.27% of its industry peers.
1FISV's Operating Margin has improved in the last couple of years.
1FISV has a Gross Margin (60.48%) which is comparable to the rest of the industry.
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
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.
The debt/assets ratio for 1FISV is higher compared to a year ago.
2.2 Solvency
1FISV has an Altman-Z score of 1.42. 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 1.42 is in line compared to the rest of the industry. 1FISV outperforms 57.63% of its industry peers.
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.
1FISV has a Debt to FCF ratio (6.54) which is in line with its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
The Debt to Equity ratio of 1FISV (1.15) is worse than 69.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.32
WACC6.72%
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.
1FISV has a Current ratio of 1.08. This is comparable to the rest of the industry: 1FISV outperforms 42.37% 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.
1FISV has a Quick ratio (1.08) which 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%.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last 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
The Earnings Per Share is expected to grow by 15.99% on average over the next years. This is quite good.
1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.38% yearly.
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.
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
A Price/Earnings ratio of 7.56 indicates a rather cheap valuation of 1FISV.
Based on the Price/Earnings ratio, 1FISV is valued cheaper than 83.05% of the companies in the same industry.
When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (26.51), we can say 1FISV is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.10, the valuation of 1FISV can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 81.36% of the companies listed 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 23.13.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 72.88% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 77.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.06 | ||
| EV/EBITDA | 7.04 |
4.3 Compensation for Growth
The decent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.41
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% |
BIT:1FISV (12/15/2025, 7:00:00 PM)
58.76
-1.12 (-1.87%)
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 Cap31.60B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target85.03 (44.71%)
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)-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 | 7.56 | ||
| Fwd PE | 8.1 | ||
| P/S | 1.76 | ||
| P/FCF | 8.06 | ||
| P/OCF | 5.88 | ||
| P/B | 1.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.04 |
EPS(TTM)7.77
EY13.22%
EPS(NY)7.25
Fwd EY12.34%
FCF(TTM)7.29
FCFY12.4%
OCF(TTM)10
OCFY17.02%
SpS33.38
BVpS39.63
TBVpS-35.48
PEG (NY)N/A
PEG (5Y)0.41
Graham Number83.23
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 | 1.42 |
F-Score7
WACC6.72%
ROIC/WACC1.32
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 5 / 10 to 1FISV.MI.
What is the valuation status for 1FISV stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
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 7.56 and the Price/Book (PB) ratio is 1.48.