FISERV INC (FI) Fundamental Analysis & Valuation

NYSE:FI • US3377381088

Current stock price

63.8 USD
+0.1 (+0.16%)
At close:
63.6172 USD
-0.18 (-0.29%)
After Hours:

This FI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. FI Profitability Analysis

1.1 Basic Checks

  • FI had positive earnings in the past year.
  • FI had a positive operating cash flow in the past year.
  • In the past 5 years FI has always been profitable.
  • FI had a positive operating cash flow in each of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • FI has a better Return On Assets (4.54%) than 72.73% of its industry peers.
  • FI has a better Return On Equity (14.36%) 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for FI is in line with the industry average of 7.99%.
  • The 3 year average ROIC (7.07%) for FI is below the current ROIC(8.87%), indicating increased profibility in the last year.
Industry RankSector 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%
FI Yearly ROA, ROE, ROICFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 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 17.05%, FI is in the better half of the industry, outperforming 64.65% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FI has grown nicely.
  • Looking at the Operating Margin, with a value of 28.72%, FI is in the better half of the industry, outperforming 73.74% of the companies in the same industry.
  • FI's Operating Margin has improved in the last couple of years.
  • Looking at the Gross Margin, with a value of 60.48%, FI is in the better half of the industry, outperforming 73.74% of the companies in the same industry.
  • FI's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FI Yearly Profit, Operating, Gross MarginsFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. FI Health Analysis

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
  • Compared to 5 years ago, FI has less shares outstanding
  • Compared to 1 year ago, FI has a worse debt to assets ratio.
FI Yearly Shares OutstandingFI Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • FI has an Altman-Z score of 1.39. This is a bad value and indicates that FI is not financially healthy and even has some risk of bankruptcy.
  • FI has a Altman-Z score of 1.39. This is in the better half of the industry: FI outperforms 64.65% of its industry peers.
  • The Debt to FCF ratio of FI is 6.54, which is on the high side as it means it would take FI, 6.54 years of fcf income to pay off 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.
  • A Debt/Equity ratio of 1.15 is on the high side and indicates that FI has dependencies on debt financing.
  • FI has a Debt to Equity ratio of 1.15. This is comparable to the rest of the industry: FI outperforms 42.42% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.15
Debt/FCF 6.54
Altman-Z 1.39
ROIC/WACC1.31
WACC6.78%
FI Yearly LT Debt VS Equity VS FCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 1.08 indicates that FI should not have too much problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 1.08, FI is in line with its industry, outperforming 52.53% 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.
  • The Quick ratio of FI (1.08) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.08
FI Yearly Current Assets VS Current LiabilitesFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FI Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.76% over the past year.
  • 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.
  • FI shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
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.
  • Based on estimates for the next years, FI will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
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.
FI Yearly Revenue VS EstimatesFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
FI Yearly EPS VS EstimatesFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

More info and screens

Find the best growth stocksShow best growing peers

8

4. FI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.97, the valuation of FI can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FI indicates a rather cheap valuation: FI is cheaper than 84.85% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.64, FI is valued rather cheaply.
  • The Price/Forward Earnings ratio is 6.76, which indicates a rather cheap valuation of FI.
  • Based on the Price/Forward Earnings ratio, FI is valued a bit cheaper than 73.74% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. FI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.97
Fwd PE 6.76
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 rather cheap when compared to the industry. FI is cheaper than 82.83% of the companies in the same industry.
  • FI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FI is cheaper than 83.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.51
EV/EBITDA 6.76
FI Per share dataFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -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 excellent profitability rating of FI may justify a higher PE ratio.
PEG (NY)1.66
PEG (5Y)0.38
EPS Next 2Y3.47%
EPS Next 3Y5.63%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FI Dividend Analysis

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

FI Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

NYSE:FI (11/10/2025, 8:04:00 PM)

After market: 63.6172 -0.18 (-0.29%)

63.8

+0.1 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength32.3
Industry Growth76.4
Earnings (Last)10-29
Earnings (Next)02-03
Inst OwnersN/A
Inst Owner Change-23.49%
Ins OwnersN/A
Ins Owner Change0%
Market Cap34.68B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts72.27
Price Target171.86 (169.37%)
Short Float %N/A
Short RatioN/A
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)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 RankSector 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 Number97.5937 (52.97%)
Profitability
Industry RankSector 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 RankSector 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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FISERV INC?

ChartMill assigns a fundamental rating of 6 / 10 to FI.


Can you provide the valuation status for FISERV INC?

ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FI). This can be considered as Undervalued.


What is the profitability of FI stock?

FISERV INC (FI) has a profitability rating of 8 / 10.


What is the valuation of FISERV INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for FISERV INC (FI) is 6.97 and the Price/Book (PB) ratio is 1.38.


Can you provide the expected EPS growth for FI stock?

The Earnings per Share (EPS) of FISERV INC (FI) is expected to grow by 4.21% in the next year.