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FISERV INC (1FISV.MI) Stock Fundamental Analysis

BIT:1FISV - Euronext Milan - US3377381088 - Common Stock - Currency: EUR

225.95  +225.95 (+Infinity%)

Fundamental Rating

5

1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 50 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

In the past year 1FISV was profitable.
1FISV had a positive operating cash flow in the past year.
1FISV had positive earnings in each of the past 5 years.
In the past 5 years 1FISV always reported a positive cash flow from operatings.
1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCF1FISV.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

The Return On Assets of 1FISV (4.06%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.57%, 1FISV is in line with its industry, outperforming 56.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.91%, 1FISV is in the better half of the industry, outperforming 74.00% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 11.19%.
The 3 year average ROIC (7.07%) for 1FISV is below the current ROIC(8.91%), indicating increased profibility in the last year.
Industry RankSector 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%
1FISV.MI Yearly ROA, ROE, ROIC1FISV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

Looking at the Profit Margin, with a value of 15.31%, 1FISV is in line with its industry, outperforming 60.00% 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 (28.80%) than 74.00% of its industry peers.
1FISV's Operating Margin has improved in the last couple of years.
The Gross Margin of 1FISV (60.83%) is better than 64.00% of its industry peers.
In the last couple of years the Gross Margin of 1FISV has grown nicely.
Industry RankSector 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%
1FISV.MI Yearly Profit, Operating, Gross Margins1FISV.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

2. Health

2.1 Basic Checks

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.
1FISV.MI Yearly Shares Outstanding1FISV.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
1FISV.MI Yearly Total Debt VS Total Assets1FISV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

An Altman-Z score of 2.61 indicates that 1FISV is not a great score, but indicates only limited risk for bankruptcy at the moment.
1FISV has a better Altman-Z score (2.61) than 64.00% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 4.91, 1FISV is in line with its industry, outperforming 58.00% of the companies in the same industry.
A Debt/Equity ratio of 0.88 indicates that 1FISV is somewhat dependend on debt financing.
1FISV has a worse Debt to Equity ratio (0.88) than 64.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.88
Debt/FCF 4.91
Altman-Z 2.61
ROIC/WACCN/A
WACCN/A
1FISV.MI Yearly LT Debt VS Equity VS FCF1FISV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

1FISV has a Current 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.
Looking at the Current ratio, with a value of 1.06, 1FISV is in line with its industry, outperforming 42.00% 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 RankSector Rank
Current Ratio 1.06
Quick Ratio 1.06
1FISV.MI Yearly Current Assets VS Current Liabilites1FISV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.98% 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 7.14% in the past year.
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

Based on estimates for the next years, 1FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.18% on average per year.
Based on estimates for the next years, 1FISV will show a quite strong growth in Revenue. The Revenue will grow by 8.66% on average per year.
EPS Next Y19.59%
EPS Next 2Y18.37%
EPS Next 3Y17.53%
EPS Next 5Y15.18%
Revenue Next Year8.58%
Revenue Next 2Y8.75%
Revenue Next 3Y8.72%
Revenue Next 5Y8.66%

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.
1FISV.MI Yearly Revenue VS Estimates1FISV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
1FISV.MI Yearly EPS VS Estimates1FISV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5 10 15

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3

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 27.83, the valuation of 1FISV can be described as expensive.
1FISV's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of 1FISV to the average of the S&P500 Index (29.35), we can say 1FISV is valued inline with the index average.
A Price/Forward Earnings ratio of 23.26 indicates a rather expensive valuation of 1FISV.
The rest of the industry has a similar Price/Forward Earnings ratio as 1FISV.
1FISV is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 27.83
Fwd PE 23.26
1FISV.MI Price Earnings VS Forward Price Earnings1FISV.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1FISV is on the same level as its industry peers.
1FISV's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 27.2
EV/EBITDA 17.95
1FISV.MI Per share data1FISV.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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)1.42
PEG (5Y)1.52
EPS Next 2Y18.37%
EPS Next 3Y17.53%

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0

5. Dividend

5.1 Amount

No dividends for 1FISV!.
Industry RankSector Rank
Dividend Yield N/A

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FISERV INC

BIT:1FISV (3/4/2025, 7:00:00 PM)

225.95

+225.95 (+Infinity%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-05 2025-02-05/bmo
Earnings (Next)04-21 2025-04-21/bmo
Inst Owners92.74%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap126.82B
Analysts84.44
Price Target240.77 (6.56%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector Rank
PE 27.83
Fwd PE 23.26
P/S 6.73
P/FCF 27.2
P/OCF 20.76
P/B 5.09
P/tB N/A
EV/EBITDA 17.95
EPS(TTM)8.12
EY3.59%
EPS(NY)9.72
Fwd EY4.3%
FCF(TTM)8.31
FCFY3.68%
OCF(TTM)10.88
OCFY4.82%
SpS33.57
BVpS44.42
TBVpS-31.93
PEG (NY)1.42
PEG (5Y)1.52
Profitability
Industry RankSector 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 RankSector 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 2.61
F-Score8
WACCN/A
ROIC/WACCN/A
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 5Y15.18%
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 5Y8.66%
EBIT growth 1Y21.54%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year34.54%
EBIT Next 3Y15.83%
EBIT Next 5Y13.99%
FCF growth 1Y34.13%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y28.46%
OCF growth 3Y18.02%
OCF growth 5Y18.86%