FISERV INC (1FISV.MI) Stock Fundamental Analysis

BIT:1FISV • US3377381088

50.16 EUR
-4.78 (-8.7%)
Last: Feb 13, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 56 industry peers in the Financial Services industry. 1FISV has an excellent profitability rating, but there are concerns on its financial health. 1FISV may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

8

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.
  • In the past 5 years 1FISV has always been profitable.
  • Each year in the past 5 years 1FISV had a positive operating cash flow.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • 1FISV's Return On Assets of 4.34% is fine compared to the rest of the industry. 1FISV outperforms 75.86% of its industry peers.
  • The Return On Equity of 1FISV (13.49%) is better than 72.41% of its industry peers.
  • 1FISV's Return On Invested Capital of 8.45% is fine compared to the rest of the industry. 1FISV outperforms 77.59% of its industry peers.
  • 1FISV had an Average Return On Invested Capital over the past 3 years of 8.12%. This is in line with the industry average of 8.48%.
  • The 3 year average ROIC (8.12%) for 1FISV is below the current ROIC(8.45%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
1FISV.MI Yearly ROA, ROE, ROIC1FISV.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • 1FISV has a Profit Margin of 16.42%. This is in the better half of the industry: 1FISV outperforms 68.97% of its industry peers.
  • In the last couple of years the Profit Margin of 1FISV has grown nicely.
  • 1FISV's Operating Margin of 26.89% is fine compared to the rest of the industry. 1FISV outperforms 77.59% of its industry peers.
  • In the last couple of years the Operating Margin of 1FISV has grown nicely.
  • 1FISV's Gross Margin of 59.36% is fine compared to the rest of the industry. 1FISV outperforms 62.07% of its industry peers.
  • 1FISV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
1FISV.MI Yearly Profit, Operating, Gross Margins1FISV.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • Compared to 5 years ago, 1FISV has less shares outstanding
  • The debt/assets ratio for 1FISV is higher compared to a year ago.
1FISV.MI Yearly Shares Outstanding1FISV.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
1FISV.MI Yearly Total Debt VS Total Assets1FISV.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • 1FISV has a debt to FCF ratio of 6.75. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.75 years to pay back of all of its debts.
  • The Debt to FCF ratio of 1FISV (6.75) is better than 62.07% of its industry peers.
  • 1FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 1.08, 1FISV is not doing good in the industry: 67.24% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.06
WACC7.96%
1FISV.MI Yearly LT Debt VS Equity VS FCF1FISV.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • 1FISV has a Current Ratio of 1.03. 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 1.03. This is in the lower half of the industry: 1FISV underperforms 62.07% of its industry peers.
  • A Quick Ratio of 1.03 indicates that 1FISV should not have too much problems paying its short term obligations.
  • The Quick ratio of 1FISV (1.03) is worse than 62.07% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
1FISV.MI Yearly Current Assets VS Current Liabilites1FISV.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for 1FISV have decreased by -2.04% in the last year.
  • Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.35% on average per year.
  • Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 3.60% in the last year.
  • Measured over the past years, 1FISV shows a small growth in Revenue. The Revenue has been growing by 7.37% on average per year.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%

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 12.46% on average per year.
  • The Revenue is expected to grow by 3.97% on average over the next years.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%

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.
1FISV.MI Yearly Revenue VS Estimates1FISV.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
1FISV.MI Yearly EPS VS Estimates1FISV.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.82, the valuation of 1FISV can be described as very cheap.
  • 84.48% of the companies in the same industry are more expensive than 1FISV, based on the Price/Earnings ratio.
  • 1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.64.
  • A Price/Forward Earnings ratio of 7.06 indicates a rather cheap valuation of 1FISV.
  • Based on the Price/Forward Earnings ratio, 1FISV is valued a bit cheaper than 77.59% of the companies 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 27.75.
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
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

  • 70.69% of the companies in the same industry are more expensive than 1FISV, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, 1FISV is valued a bit cheaper than the industry average as 77.59% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.38
EV/EBITDA 6.76
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 excellent profitability rating of 1FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.48
EPS Next 2Y3.86%
EPS Next 3Y4.26%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for 1FISV!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FISERV INC

BIT:1FISV (2/13/2026, 7:00:00 PM)

50.16

-4.78 (-8.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap26.98B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target82.37 (64.21%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)0
Avg Revenue beat(4)-4.32%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)2
Avg Revenue beat(8)-1.77%
Revenue beat(12)6
Avg Revenue beat(12)0.12%
Revenue beat(16)10
Avg Revenue beat(16)1.39%
PT rev (1m)-3.13%
PT rev (3m)-48.62%
EPS NQ rev (1m)-0.2%
EPS NQ rev (3m)-28.12%
EPS NY rev (1m)-2.28%
EPS NY rev (3m)-31.53%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-8.31%
Revenue NY rev (1m)-0.47%
Revenue NY rev (3m)-10.76%
Valuation
Industry RankSector Rank
PE 6.82
Fwd PE 7.06
P/S 1.5
P/FCF 7.38
P/OCF 5.23
P/B 1.23
P/tB N/A
EV/EBITDA 6.76
EPS(TTM)7.35
EY14.65%
EPS(NY)7.11
Fwd EY14.17%
FCF(TTM)6.8
FCFY13.56%
OCF(TTM)9.59
OCFY19.12%
SpS33.53
BVpS40.8
TBVpS-34.92
PEG (NY)N/A
PEG (5Y)0.48
Graham Number82.14
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 250
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z N/A
F-Score5
WACC7.96%
ROIC/WACC1.06
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-0.04%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year21.11%
EBIT Next 3Y8.72%
EBIT Next 5Y6.3%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

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 8 / 10.


Can you provide the PE and PB ratios for 1FISV stock?

The Price/Earnings (PE) ratio for FISERV INC (1FISV.MI) is 6.82 and the Price/Book (PB) ratio is 1.23.