FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
57.09 EUR
-1.67 (-2.84%)
1FISV gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 58 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 valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year 1FISV was profitable.
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
With a decent Return On Assets value of 4.54%, 1FISV is doing good in the industry, outperforming 75.86% of the companies in the same industry.
With a decent Return On Equity value of 14.36%, 1FISV is doing good in the industry, outperforming 75.86% of the companies in the same industry.
With a decent Return On Invested Capital value of 8.87%, 1FISV is doing good in the industry, outperforming 77.59% 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 in line with the industry average of 8.80%.
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 68.97% of its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
Looking at the Operating Margin, with a value of 28.72%, 1FISV is in the better half of the industry, outperforming 77.59% of the companies in the same industry.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV has a Gross Margin of 60.48%. This is in the better half of the industry: 1FISV outperforms 63.79% 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
1FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
1FISV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1FISV has less shares outstanding
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
1FISV has an Altman-Z score of 1.41. 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 (1.41) which is in line with its industry peers.
1FISV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as 1FISV would need 6.54 years to pay back of all of its debts.
1FISV has a better Debt to FCF ratio (6.54) than 60.34% 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.
1FISV has a worse Debt to Equity ratio (1.15) than 68.97% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.12
WACC7.94%
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 44.83% 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.
With a Quick ratio value of 1.08, 1FISV perfoms like the industry average, outperforming 44.83% of the companies in the same 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.
The Revenue has been growing slightly by 5.16% 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)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
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.
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
1FISV is valuated cheaply with a Price/Earnings ratio of 7.29.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 89.66% of the companies listed in the same industry.
1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
A Price/Forward Earnings ratio of 7.81 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 82.76% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (23.98), we can say 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.29 | ||
| Fwd PE | 7.81 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than 75.86% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, 1FISV is valued cheaply inside the industry as 81.03% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.77 | ||
| EV/EBITDA | 6.89 |
4.3 Compensation for Growth
1FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (1/5/2026, 7:00:00 PM)
57.09
-1.67 (-2.84%)
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 Cap30.71B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target85.03 (48.94%)
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 | 7.29 | ||
| Fwd PE | 7.81 | ||
| P/S | 1.7 | ||
| P/FCF | 7.77 | ||
| P/OCF | 5.66 | ||
| P/B | 1.43 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.89 |
EPS(TTM)7.83
EY13.72%
EPS(NY)7.31
Fwd EY12.81%
FCF(TTM)7.35
FCFY12.87%
OCF(TTM)10.08
OCFY17.66%
SpS33.65
BVpS39.95
TBVpS-35.76
PEG (NY)N/A
PEG (5Y)0.4
Graham Number83.89
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 | 1.41 |
F-Score7
WACC7.94%
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 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 6 / 10 to 1FISV.MI.
What is the valuation status for 1FISV stock?
ChartMill assigns a valuation rating of 8 / 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 7.29 and the Price/Book (PB) ratio is 1.43.