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FISERV INC (FI) Stock Fundamental Analysis

NYSE:FI - New York Stock Exchange, Inc. - US3377381088 - Common Stock - Currency: USD

175.55  +3.1 (+1.8%)

After market: 175.55 0 (0%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FI. FI was compared to 100 industry peers in the Financial Services industry. While FI has a great profitability rating, there are some minor concerns on its financial health. FI has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

7

1. Profitability

1.1 Basic Checks

FI had positive earnings in the past year.
In the past year FI had a positive cash flow from operations.
In the past 5 years FI has always been profitable.
Each year in the past 5 years FI had a positive operating cash flow.
FI Yearly Net Income VS EBIT VS OCF VS FCFFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

With a decent Return On Assets value of 4.04%, FI is doing good in the industry, outperforming 71.00% of the companies in the same industry.
FI has a better Return On Equity (12.54%) than 66.00% of its industry peers.
FI has a Return On Invested Capital of 8.85%. This is in the better half of the industry: FI outperforms 80.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FI is below the industry average of 11.84%.
The 3 year average ROIC (7.07%) for FI is below the current ROIC(8.85%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.04%
ROE 12.54%
ROIC 8.85%
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
FI Yearly ROA, ROE, ROICFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

Looking at the Profit Margin, with a value of 15.68%, FI is in the better half of the industry, outperforming 68.00% of the companies in the same industry.
FI's Profit Margin has improved in the last couple of years.
The Operating Margin of FI (29.33%) is better than 72.00% of its industry peers.
FI's Operating Margin has improved in the last couple of years.
FI has a better Gross Margin (60.97%) than 75.00% of its industry peers.
FI's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 29.33%
PM (TTM) 15.68%
GM 60.97%
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
FI Yearly Profit, Operating, Gross MarginsFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

5

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.
Compared to 1 year ago, FI has less shares outstanding
FI has less shares outstanding than it did 5 years ago.
The debt/assets ratio for FI is higher compared to a year ago.
FI Yearly Shares OutstandingFI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FI Yearly Total Debt VS Total AssetsFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

An Altman-Z score of 2.04 indicates that FI is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of FI (2.04) is better than 72.00% of its industry peers.
FI has a debt to FCF ratio of 5.70. This is a neutral value as FI would need 5.70 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.70, FI is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
A Debt/Equity ratio of 1.04 is on the high side and indicates that FI has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.04, FI is in line with its industry, outperforming 44.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.04
Debt/FCF 5.7
Altman-Z 2.04
ROIC/WACC1.09
WACC8.09%
FI Yearly LT Debt VS Equity VS FCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

A Current Ratio of 1.10 indicates that FI should not have too much problems paying its short term obligations.
FI has a Current ratio (1.10) which is in line with its industry peers.
A Quick Ratio of 1.10 indicates that FI should not have too much problems paying its short term obligations.
The Quick ratio of FI (1.10) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.1
Quick Ratio 1.1
FI Yearly Current Assets VS Current LiabilitesFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

5

3. Growth

3.1 Past

FI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.82%, which is quite good.
FI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
The Revenue has been growing slightly by 6.56% in the past 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)15.82%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%13.83%
Revenue 1Y (TTM)6.56%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%5.41%

3.2 Future

Based on estimates for the next years, FI will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.35% on average per year.
The Revenue is expected to grow by 7.60% on average over the next years.
EPS Next Y19.12%
EPS Next 2Y17.83%
EPS Next 3Y17.15%
EPS Next 5Y16.35%
Revenue Next Year8.73%
Revenue Next 2Y8.59%
Revenue Next 3Y8.57%
Revenue Next 5Y7.6%

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.
FI Yearly Revenue VS EstimatesFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 10B 20B 30B
FI Yearly EPS VS EstimatesFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

5

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 19.33, the valuation of FI can be described as rather expensive.
The rest of the industry has a similar Price/Earnings ratio as FI.
Compared to an average S&P500 Price/Earnings ratio of 27.45, FI is valued a bit cheaper.
The Price/Forward Earnings ratio is 14.33, which indicates a correct valuation of FI.
FI's Price/Forward Earnings is on the same level as the industry average.
FI is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19.33
Fwd PE 14.33
FI Price Earnings VS Forward Price EarningsFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

FI's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, FI is valued a bit cheaper than the industry average as 63.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 19.61
EV/EBITDA 13.58
FI Per share dataFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of FI may justify a higher PE ratio.
A more expensive valuation may be justified as FI's earnings are expected to grow with 17.15% in the coming years.
PEG (NY)1.01
PEG (5Y)1.06
EPS Next 2Y17.83%
EPS Next 3Y17.15%

0

5. Dividend

5.1 Amount

No dividends for FI!.
Industry RankSector Rank
Dividend Yield N/A

FISERV INC

NYSE:FI (7/3/2025, 7:23:47 PM)

After market: 175.55 0 (0%)

175.55

+3.1 (+1.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22/bmo
Inst Owners93.25%
Inst Owner Change226.69%
Ins Owners0.11%
Ins Owner Change0.22%
Market Cap97.33B
Analysts83.64
Price Target225.85 (28.65%)
Short Float %1.24%
Short Ratio1.22
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-0.81%
Min EPS beat(2)-1.7%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.08%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.86%
EPS beat(12)2
Avg EPS beat(12)-1.77%
EPS beat(16)4
Avg EPS beat(16)-1.28%
Revenue beat(2)0
Avg Revenue beat(2)-4.01%
Min Revenue beat(2)-4.07%
Max Revenue beat(2)-3.95%
Revenue beat(4)0
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-3.31%
Revenue beat(8)0
Avg Revenue beat(8)-3.58%
Revenue beat(12)4
Avg Revenue beat(12)-0.93%
Revenue beat(16)8
Avg Revenue beat(16)0.22%
PT rev (1m)-2.04%
PT rev (3m)-11.47%
EPS NQ rev (1m)0.03%
EPS NQ rev (3m)-1.19%
EPS NY rev (1m)-0.09%
EPS NY rev (3m)-0.39%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.09%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)0.14%
Valuation
Industry RankSector Rank
PE 19.33
Fwd PE 14.33
P/S 4.7
P/FCF 19.61
P/OCF 15.09
P/B 3.76
P/tB N/A
EV/EBITDA 13.58
EPS(TTM)9.08
EY5.17%
EPS(NY)12.25
Fwd EY6.98%
FCF(TTM)8.95
FCFY5.1%
OCF(TTM)11.63
OCFY6.62%
SpS37.34
BVpS46.69
TBVpS-38.96
PEG (NY)1.01
PEG (5Y)1.06
Profitability
Industry RankSector Rank
ROA 4.04%
ROE 12.54%
ROCE 10.63%
ROIC 8.85%
ROICexc 9.04%
ROICexgc 59.83%
OM 29.33%
PM (TTM) 15.68%
GM 60.97%
FCFM 23.98%
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 RankSector Rank
Debt/Equity 1.04
Debt/FCF 5.7
Debt/EBITDA 2.95
Cap/Depr 48.04%
Cap/Sales 7.17%
Interest Coverage 4.77
Cash Conversion 70.38%
Profit Quality 152.88%
Current Ratio 1.1
Quick Ratio 1.1
Altman-Z 2.04
F-Score8
WACC8.09%
ROIC/WACC1.09
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)15.82%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%13.83%
EPS Next Y19.12%
EPS Next 2Y17.83%
EPS Next 3Y17.15%
EPS Next 5Y16.35%
Revenue 1Y (TTM)6.56%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%5.41%
Revenue Next Year8.73%
Revenue Next 2Y8.59%
Revenue Next 3Y8.57%
Revenue Next 5Y7.6%
EBIT growth 1Y19.03%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year37.17%
EBIT Next 3Y18.07%
EBIT Next 5Y13.21%
FCF growth 1Y44.05%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y30.71%
OCF growth 3Y18.02%
OCF growth 5Y18.86%