FISERV INC (FI) Stock Fundamental Analysis
USA - NYSE:FI - US3377381088 - Common Stock
63.8 USD
+0.1 (+0.16%)
63.6172 USD
-0.18 (-0.29%)
FI gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. FI scores excellent on profitability, but 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.
FI had positive earnings in each of the past 5 years.
In the past 5 years FI always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FI (4.54%) is better than 73.74% of its industry peers.
Looking at the Return On Equity, with a value of 14.36%, FI is in the better half of the industry, outperforming 73.74% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 8.87%, FI is in the better half of 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 8.14%.
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
With a decent Profit Margin value of 17.05%, FI is doing good in the industry, outperforming 67.68% of the companies in the same industry.
In the last couple of years the Profit Margin of FI has grown nicely.
FI's Operating Margin of 28.72% is fine compared to the rest of the industry. FI outperforms 72.73% of its industry peers.
In the last couple of years the Operating Margin of FI has grown nicely.
FI's Gross Margin of 60.48% is fine compared to the rest of the industry. FI outperforms 74.75% 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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FI is creating some value.
FI has less shares outstanding than it did 1 year ago.
FI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FI is higher compared to a year ago.
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.
FI has a better Altman-Z score (1.39) than 66.67% of its industry peers.
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.
With a decent Debt to FCF ratio value of 6.54, FI is doing good in the industry, outperforming 63.64% of the companies in the same industry.
FI has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.15, FI perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.3
WACC6.82%
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.
Looking at the Current ratio, with a value of 1.08, FI is in line with its industry, outperforming 53.54% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that FI should not have too much problems paying its short term obligations.
FI has a Quick ratio (1.08) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.76% over the past year.
FI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
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
FI is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.79% yearly.
FI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.09% yearly.
EPS Next Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y11.79%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y6.09%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.97, which indicates a rather cheap valuation of FI.
Based on the Price/Earnings ratio, FI is valued cheaper than 85.86% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.47. FI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.76, which indicates a rather cheap valuation of FI.
74.75% of the companies in the same industry are more expensive than FI, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.42, FI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 6.76 |
4.2 Price Multiples
83.84% of the companies in the same industry are more expensive than FI, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FI indicates a rather cheap valuation: FI is cheaper than 81.82% of the companies listed in the same industry.
| 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-33.86%
Ins OwnersN/A
Ins Owner Change-0.03%
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)-34.92%
EPS NQ rev (3m)-35.14%
EPS NY rev (1m)-12.5%
EPS NY rev (3m)-12.49%
Revenue NQ rev (1m)-8.66%
Revenue NQ rev (3m)-8.98%
Revenue NY rev (1m)-3.26%
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
WACC6.82%
ROIC/WACC1.3
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 5Y11.79%
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 5Y6.09%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y9.8%
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.