FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - BIT:1FISV - US3377381088 - Common Stock
109.34 EUR
-0.18 (-0.16%)
We assign a fundamental rating of 5 out of 10 to 1FISV. 1FISV was compared to 51 industry peers in the Financial Services industry. While 1FISV belongs to the best of the industry regarding profitability, there are concerns on its financial health. 1FISV has a decent growth rate and is not valued too expensively.
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.
Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
1FISV has a better Return On Assets (4.14%) than 70.59% of its industry peers.
Looking at the Return On Equity, with a value of 13.40%, 1FISV is in the better half of the industry, outperforming 72.55% of the companies in the same industry.
The Return On Invested Capital of 1FISV (9.23%) is better than 76.47% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 9.42%.
The last Return On Invested Capital (9.23%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROIC | 9.23% |
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's Profit Margin of 16.01% is fine compared to the rest of the industry. 1FISV outperforms 68.63% of its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
1FISV has a better Operating Margin (30.05%) than 76.47% of its industry peers.
1FISV's Operating Margin has improved in the last couple of years.
The Gross Margin of 1FISV (61.14%) is better than 62.75% of its industry peers.
1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% |
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.
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
The Debt to FCF ratio of 1FISV is 5.74, which is a neutral value as it means it would take 1FISV, 5.74 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.74, 1FISV is in line with its industry, outperforming 58.82% of the companies in the same industry.
1FISV has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.11, 1FISV is not doing good in the industry: 70.59% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.26
WACC7.33%
2.3 Liquidity
1FISV has a Current Ratio of 1.09. 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 Current ratio value of 1.09, 1FISV is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
A Quick Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV's Quick ratio of 1.09 is on the low side compared to the rest of the industry. 1FISV is outperformed by 62.75% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.44% over the past year.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 6.73%.
Measured over the past years, 1FISV shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
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 15.99% yearly.
Based on estimates for the next years, 1FISV will show a small growth in Revenue. The Revenue will grow by 7.17% on average per year.
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
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
A Price/Earnings ratio of 13.42 indicates a correct valuation of 1FISV.
Based on the Price/Earnings ratio, 1FISV is valued a bit cheaper than the industry average as 66.67% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.55, 1FISV is valued rather cheaply.
The Price/Forward Earnings ratio is 10.35, which indicates a very decent valuation of 1FISV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 70.59% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of 1FISV to the average of the S&P500 Index (23.04), we can say 1FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.42 | ||
| Fwd PE | 10.35 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than the industry average as 64.71% of the companies are valued more expensively.
1FISV's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.32 | ||
| EV/EBITDA | 10.29 |
4.3 Compensation for Growth
1FISV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap 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 17.18% in the coming years.
PEG (NY)0.7
PEG (5Y)0.73
EPS Next 2Y17.61%
EPS Next 3Y17.18%
5. Dividend
5.1 Amount
No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (10/9/2025, 7:00:00 PM)
109.34
-0.18 (-0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap59.44B
Analysts84.29
Price Target160.33 (46.63%)
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)1
Avg EPS beat(2)-0.62%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.04%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)2
Avg EPS beat(12)-1.65%
EPS beat(16)3
Avg EPS beat(16)-1.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.42%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-2.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)12
Avg Revenue beat(16)1.58%
PT rev (1m)0.57%
PT rev (3m)-19.17%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)-1.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.42 | ||
| Fwd PE | 10.35 | ||
| P/S | 3.25 | ||
| P/FCF | 13.32 | ||
| P/OCF | 10.14 | ||
| P/B | 2.72 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.29 |
EPS(TTM)8.15
EY7.45%
EPS(NY)10.56
Fwd EY9.66%
FCF(TTM)8.21
FCFY7.51%
OCF(TTM)10.78
OCFY9.86%
SpS33.62
BVpS40.15
TBVpS-36.09
PEG (NY)0.7
PEG (5Y)0.73
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROCE | 11.09% | ||
| ROIC | 9.23% | ||
| ROICexc | 9.39% | ||
| ROICexgc | 63.37% | ||
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% | ||
| FCFM | 24.43% |
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 Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 52% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.66% | ||
| Profit Quality | 152.62% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | N/A |
F-Score8
WACC7.33%
ROIC/WACC1.26
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)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y12.63%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
OCF growth 3Y18.02%
OCF growth 5Y18.86%