FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
55.45 EUR
-2.11 (-3.67%)
Taking everything into account, 1FISV scores 5 out of 10 in our fundamental rating. 1FISV was compared to 60 industry peers in the Financial Services industry. While 1FISV belongs to the best of the industry regarding profitability, there are some minor 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.
- In the past 5 years 1FISV always reported a positive cash flow from operatings.
1.2 Ratios
- 1FISV has a Return On Assets of 4.54%. This is in the better half of the industry: 1FISV outperforms 73.33% of its industry peers.
- 1FISV's Return On Equity of 14.36% is fine compared to the rest of the industry. 1FISV outperforms 71.67% of its industry peers.
- 1FISV has a better Return On Invested Capital (8.87%) than 75.00% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 10.51%.
- The last Return On Invested Capital (8.87%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| 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 has a better Profit Margin (17.05%) than 66.67% of its industry peers.
- In the last couple of years the Profit Margin of 1FISV has grown nicely.
- The Operating Margin of 1FISV (28.72%) is better than 76.67% of its industry peers.
- In the last couple of years the Operating Margin of 1FISV has grown nicely.
- 1FISV has a better Gross Margin (60.48%) than 61.67% of its industry peers.
- 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.
- 1FISV has less shares outstanding than it did 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
- 1FISV has an Altman-Z score of 1.40. This is a bad value and indicates that 1FISV is not financially healthy and even has some risk of bankruptcy.
- 1FISV has a Altman-Z score (1.40) which is comparable to the rest of the 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.
- 1FISV's Debt to FCF ratio of 6.54 is fine compared to the rest of the industry. 1FISV outperforms 61.67% 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 66.67% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.4 |
ROIC/WACC1.12
WACC7.89%
2.3 Liquidity
- A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
- The Current ratio of 1FISV (1.08) is comparable to the rest of the industry.
- 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 45.00% 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.
- 1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
- 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
- 1FISV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
- Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y5.05%
Revenue Next Year3.55%
Revenue Next 2Y3%
Revenue Next 3Y3.38%
Revenue Next 5Y4.28%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less 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
- Based on the Price/Earnings ratio of 7.10, the valuation of 1FISV can be described as very cheap.
- Based on the Price/Earnings ratio, 1FISV is valued cheaper than 88.33% of the companies in the same industry.
- 1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.94.
- The Price/Forward Earnings ratio is 7.61, which indicates a rather cheap valuation of 1FISV.
- 1FISV's Price/Forward Earnings ratio is rather cheap when compared to the industry. 1FISV is cheaper than 83.33% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (23.94), we can say 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.61 |
4.2 Price Multiples
- 1FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. 1FISV is cheaper than 75.00% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, 1FISV is valued cheaply inside the industry as 81.67% of the companies are valued more expensively.
| 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-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
- No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (1/20/2026, 7:00:00 PM)
55.45
-2.11 (-3.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)02-03 2026-02-03/amc
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap29.82B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target80.6 (45.36%)
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)-49.73%
PT rev (3m)-49.73%
EPS NQ rev (1m)-0.02%
EPS NQ rev (3m)-35.51%
EPS NY rev (1m)0.01%
EPS NY rev (3m)-16.53%
Revenue NQ rev (1m)-0.49%
Revenue NQ rev (3m)-10.05%
Revenue NY rev (1m)-0.31%
Revenue NY rev (3m)-5.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.1 | ||
| Fwd PE | 7.61 | ||
| 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)7.81
EY14.08%
EPS(NY)7.29
Fwd EY13.14%
FCF(TTM)7.32
FCFY13.21%
OCF(TTM)10.05
OCFY18.12%
SpS33.55
BVpS39.82
TBVpS-35.65
PEG (NY)N/A
PEG (5Y)0.39
Graham Number83.66
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
WACC7.89%
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 5Y5.05%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.55%
Revenue Next 2Y3%
Revenue Next 3Y3.38%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.2%
EBIT Next 3Y7.96%
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.