FISERV INC (1FISV.MI) Stock Fundamental Analysis
BIT:1FISV - Euronext Milan - US3377381088 - Common Stock - Currency: EUR
1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 industry peers in the Financial Services industry. 1FISV scores excellent on profitability, but there are some minor concerns on its financial health. 1FISV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
1FISV had positive earnings in the past year.
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
1FISV has a better Return On Assets (4.06%) than 65.96% of its industry peers.
The Return On Equity of 1FISV (11.57%) is comparable to the rest of the industry.
With a decent Return On Invested Capital value of 8.91%, 1FISV is doing good in the industry, outperforming 65.96% of the companies in the same industry.
1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 10.14%.
The last Return On Invested Capital (8.91%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 11.57% | ||
| ROIC | 8.91% |
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 (15.31%) than 61.70% of its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
1FISV's Operating Margin of 28.80% is fine compared to the rest of the industry. 1FISV outperforms 72.34% of its industry peers.
1FISV's Operating Margin has improved in the last couple of years.
1FISV has a Gross Margin (60.83%) which is in line with its industry peers.
1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.8% | ||
| PM (TTM) | 15.31% | ||
| GM | 60.83% |
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.
Compared to 1 year ago, 1FISV has less shares outstanding
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 2.14. This is not the best score and indicates that 1FISV is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of 1FISV (2.14) is comparable to the rest of the industry.
1FISV has a debt to FCF ratio of 4.91. This is a neutral value as 1FISV would need 4.91 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 4.91, 1FISV is doing good in the industry, outperforming 65.96% of the companies in the same industry.
1FISV has a Debt/Equity ratio of 0.88. This is a neutral value indicating 1FISV is somewhat dependend on debt financing.
1FISV's Debt to Equity ratio of 0.88 is on the low side compared to the rest of the industry. 1FISV is outperformed by 61.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 4.91 | ||
| Altman-Z | 2.14 |
ROIC/WACC1.1
WACC8.07%
2.3 Liquidity
A Current Ratio of 1.06 indicates that 1FISV should not have too much problems paying its short term obligations.
With a Current ratio value of 1.06, 1FISV perfoms like the industry average, outperforming 46.81% of the companies in the same industry.
1FISV has a Quick Ratio of 1.06. 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 (1.06) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.98%, which is quite good.
1FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 7.14%.
The Revenue has been growing by 14.96% on average over the past years. This is quite good.
EPS 1Y (TTM)16.98%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%14.61%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-0.31%
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 16.78% yearly.
Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 7.81% on average per year.
EPS Next Y19.59%
EPS Next 2Y18.37%
EPS Next 3Y17.53%
EPS Next 5Y16.78%
Revenue Next Year8.58%
Revenue Next 2Y8.75%
Revenue Next 3Y8.72%
Revenue Next 5Y7.81%
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 stable.
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
The Price/Earnings ratio is 19.95, which indicates a rather expensive current valuation of 1FISV.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.45, 1FISV is valued a bit cheaper.
1FISV is valuated correctly with a Price/Forward Earnings ratio of 16.69.
1FISV's Price/Forward Earnings is on the same level as the industry average.
1FISV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.90.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.95 | ||
| Fwd PE | 16.69 |
4.2 Price Multiples
1FISV's Enterprise Value to EBITDA is on the same level as the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as 1FISV.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.52 | ||
| EV/EBITDA | 13.59 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
1FISV has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 1FISV's earnings are expected to grow with 17.53% in the coming years.
PEG (NY)1.02
PEG (5Y)1.09
EPS Next 2Y18.37%
EPS Next 3Y17.53%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (7/4/2025, 7:00:00 PM)
149.4
+0.44 (+0.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.74%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap83.86B
Analysts84.44
Price Target240.77 (61.16%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-1.46%
Min EPS beat(2)-1.7%
Max EPS beat(2)-1.22%
EPS beat(4)1
Avg EPS beat(4)-0.56%
Min EPS beat(4)-1.7%
Max EPS beat(4)2.18%
EPS beat(8)1
Avg EPS beat(8)-1.15%
EPS beat(12)2
Avg EPS beat(12)-1.73%
EPS beat(16)4
Avg EPS beat(16)-1.24%
Revenue beat(2)0
Avg Revenue beat(2)-3.69%
Min Revenue beat(2)-4.07%
Max Revenue beat(2)-3.31%
Revenue beat(4)2
Avg Revenue beat(4)-0.21%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)3.67%
Revenue beat(8)6
Avg Revenue beat(8)1.35%
Revenue beat(12)10
Avg Revenue beat(12)2.29%
Revenue beat(16)14
Avg Revenue beat(16)2.48%
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 19.95 | ||
| Fwd PE | 16.69 | ||
| P/S | 4.83 | ||
| P/FCF | 19.52 | ||
| P/OCF | 14.9 | ||
| P/B | 3.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.59 |
EPS(TTM)7.49
EY5.01%
EPS(NY)8.95
Fwd EY5.99%
FCF(TTM)7.65
FCFY5.12%
OCF(TTM)10.03
OCFY6.71%
SpS30.93
BVpS40.93
TBVpS-29.42
PEG (NY)1.02
PEG (5Y)1.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.06% | ||
| ROE | 11.57% | ||
| ROCE | 10.71% | ||
| ROIC | 8.91% | ||
| ROICexc | 9.11% | ||
| ROICexgc | 67.53% | ||
| OM | 28.8% | ||
| PM (TTM) | 15.31% | ||
| GM | 60.83% | ||
| FCFM | 24.75% |
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%
ROICexcg growth 3Y34.49%
ROICexcg 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-Score8
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.88 | ||
| Debt/FCF | 4.91 | ||
| Debt/EBITDA | 2.64 | ||
| Cap/Depr | 50.69% | ||
| Cap/Sales | 7.67% | ||
| Interest Coverage | 5.11 | ||
| Cash Conversion | 73.79% | ||
| Profit Quality | 161.67% | ||
| Current Ratio | 1.06 | ||
| Quick Ratio | 1.06 | ||
| Altman-Z | 2.14 |
F-Score8
WACC8.07%
ROIC/WACC1.1
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)16.98%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%14.61%
EPS Next Y19.59%
EPS Next 2Y18.37%
EPS Next 3Y17.53%
EPS Next 5Y16.78%
Revenue 1Y (TTM)7.14%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-0.31%
Revenue Next Year8.58%
Revenue Next 2Y8.75%
Revenue Next 3Y8.72%
Revenue Next 5Y7.81%
EBIT growth 1Y21.54%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year34.54%
EBIT Next 3Y15.83%
EBIT Next 5Y13.47%
FCF growth 1Y34.13%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y28.46%
OCF growth 3Y18.02%
OCF growth 5Y18.86%