FISERV INC (FI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FI - US3377381088 - Common Stock
63.8 USD
+0.1 (+0.16%)
63.6172 USD
-0.18 (-0.29%)
Taking everything into account, FI scores 5 out of 10 in our fundamental rating. FI was compared to 98 industry peers in the Financial Services industry. While FI has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FI.
1. Profitability
1.1 Basic Checks
FI had positive earnings in the past year.
FI had a positive operating cash flow in the past year.
Each year in the past 5 years FI has been profitable.
Each year in the past 5 years FI had a positive operating cash flow.
1.2 Ratios
FI has a better Return On Assets (4.54%) than 72.73% of its industry peers.
The Return On Equity of FI (14.36%) is better than 73.74% of its industry peers.
With a decent Return On Invested Capital value of 8.87%, FI is doing good in the industry, outperforming 78.79% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FI is in line with the industry average of 8.20%.
The last Return On Invested Capital (8.87%) for FI 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
FI has a better Profit Margin (17.05%) than 64.65% of its industry peers.
FI's Profit Margin has improved in the last couple of years.
FI has a better Operating Margin (28.72%) than 73.74% of its industry peers.
In the last couple of years the Operating Margin of FI has grown nicely.
FI has a better Gross Margin (60.48%) than 73.74% of its industry peers.
In the last couple of years the Gross Margin of FI 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
FI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
FI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FI has been reduced compared to 5 years ago.
FI has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.39, we must say that FI is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.39, FI is in the better half of the industry, outperforming 64.65% of the companies in the same industry.
FI has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as FI would need 6.54 years to pay back of all of its debts.
FI has a Debt to FCF ratio of 6.54. This is in the better half of the industry: FI outperforms 63.64% of its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that FI has dependencies on debt financing.
With a Debt to Equity ratio value of 1.15, FI perfoms like the industry average, outperforming 42.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.31
WACC6.78%
2.3 Liquidity
FI has a Current Ratio of 1.08. This is a normal value and indicates that FI is financially healthy and should not expect problems in meeting its short term obligations.
FI has a Current ratio (1.08) which is comparable to the rest of the industry.
FI has a Quick Ratio of 1.08. This is a normal value and indicates that FI is financially healthy and should not expect problems in meeting its short term obligations.
FI's Quick ratio of 1.08 is in line compared to the rest of the industry. FI outperforms 52.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
FI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
Measured over the past years, FI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
Looking at the last year, FI shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
Measured over the past years, FI shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
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 5.25% on average over the next years.
FI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.28% yearly.
EPS Next Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y5.25%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y4.28%
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 decreasing.
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
With a Price/Earnings ratio of 6.97, the valuation of FI can be described as very cheap.
Based on the Price/Earnings ratio, FI is valued cheaply inside the industry as 84.85% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.31. FI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.76, the valuation of FI can be described as very cheap.
Based on the Price/Forward Earnings ratio, FI is valued a bit cheaper than the industry average as 73.74% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of FI to the average of the S&P500 Index (36.56), we can say FI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 6.76 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FI indicates a rather cheap valuation: FI is cheaper than 82.83% of the companies listed in the same industry.
83.84% of the companies in the same industry are more expensive than FI, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 6.76 |
4.3 Compensation for Growth
FI's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FI has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.66
PEG (5Y)0.38
EPS Next 2Y3.47%
EPS Next 3Y5.63%
5. Dividend
5.1 Amount
FI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
63.8
+0.1 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst OwnersN/A
Inst Owner Change-32.8%
Ins OwnersN/A
Ins Owner Change0.01%
Market Cap34.68B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts72.27
Price Target171.86 (169.37%)
Short Float %1.95%
Short Ratio1.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-13.19%
Min EPS beat(2)-25.05%
Max EPS beat(2)-1.34%
EPS beat(4)1
Avg EPS beat(4)-7%
Min EPS beat(4)-25.05%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-3.72%
EPS beat(12)2
Avg EPS beat(12)-3.17%
EPS beat(16)3
Avg EPS beat(16)-3.07%
Revenue beat(2)0
Avg Revenue beat(2)-6.9%
Min Revenue beat(2)-10.9%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-5.46%
Min Revenue beat(4)-10.9%
Max Revenue beat(4)-2.9%
Revenue beat(8)0
Avg Revenue beat(8)-4.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.79%
Revenue beat(16)6
Avg Revenue beat(16)-1.11%
PT rev (1m)-7.49%
PT rev (3m)-8.24%
EPS NQ rev (1m)-34.82%
EPS NQ rev (3m)-35.14%
EPS NY rev (1m)-12.3%
EPS NY rev (3m)-12.49%
Revenue NQ rev (1m)-8.51%
Revenue NQ rev (3m)-8.98%
Revenue NY rev (1m)-3.1%
Revenue NY rev (3m)-3.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 6.76 | ||
| P/S | 1.64 | ||
| P/FCF | 7.51 | ||
| P/OCF | 5.47 | ||
| P/B | 1.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.76 |
EPS(TTM)9.16
EY14.36%
EPS(NY)9.44
Fwd EY14.8%
FCF(TTM)8.5
FCFY13.32%
OCF(TTM)11.66
OCFY18.28%
SpS38.93
BVpS46.21
TBVpS-41.37
PEG (NY)1.66
PEG (5Y)0.38
Graham Number97.59
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 | 1.39 |
F-Score7
WACC6.78%
ROIC/WACC1.31
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 Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y5.25%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y5.89%
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 / FI FAQ
Can you provide the ChartMill fundamental rating for FISERV INC?
ChartMill assigns a fundamental rating of 6 / 10 to FI.
What is the valuation status of FISERV INC (FI) stock?
ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FI). This can be considered as Undervalued.
Can you provide the profitability details for FISERV INC?
FISERV INC (FI) has a profitability rating of 8 / 10.
What are the PE and PB ratios of FISERV INC (FI) stock?
The Price/Earnings (PE) ratio for FISERV INC (FI) is 6.97 and the Price/Book (PB) ratio is 1.38.