FISERV INC (FI) Stock Fundamental Analysis
USA - NYSE:FI - US3377381088 - Common Stock
62.65 USD
-1.35 (-2.11%)
We assign a fundamental rating of 6 out of 10 to FI. FI was compared to 98 industry peers in the Financial Services industry. FI scores excellent on profitability, but there are some minor concerns on its financial health. FI may be a bit undervalued, certainly considering the very reasonable score on growth
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.
In the past 5 years FI has always been profitable.
FI had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.54%, FI is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
FI has a Return On Equity of 14.36%. This is in the better half of the industry: FI outperforms 71.43% of its industry peers.
FI's Return On Invested Capital of 8.87% is fine compared to the rest of the industry. FI outperforms 79.59% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FI is in line with the industry average of 7.85%.
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's Profit Margin of 17.05% is fine compared to the rest of the industry. FI outperforms 70.41% of its industry peers.
FI's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 28.72%, FI is in the better half of the industry, outperforming 72.45% 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 74.49% of the companies in the same industry.
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.
The number of shares outstanding for FI has been reduced compared to 1 year ago.
FI has less shares outstanding than it did 5 years ago.
FI has a worse debt/assets ratio than last year.
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.
The Altman-Z score of FI (1.39) is better than 63.27% 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.
FI's Debt to FCF ratio of 6.54 is fine compared to the rest of the industry. FI outperforms 61.22% 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.
FI has a Debt to Equity ratio (1.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.3
WACC6.81%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FI should not have too much problems paying 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.
The Quick ratio of FI (1.08) is comparable to the rest of the industry.
| 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%.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
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.
Based on estimates for the next years, FI will show a small growth in Revenue. The Revenue will grow by 6.09% on average per year.
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
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
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 6.84, the valuation of FI can be described as very cheap.
FI's Price/Earnings ratio is rather cheap when compared to the industry. FI is cheaper than 86.73% of the companies in the same industry.
When comparing the Price/Earnings ratio of FI to the average of the S&P500 Index (26.13), we can say FI is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.63, the valuation of FI can be described as very cheap.
FI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FI is cheaper than 74.49% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FI to the average of the S&P500 Index (22.35), we can say FI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.84 | ||
| Fwd PE | 6.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FI is valued cheaply inside the industry as 86.73% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FI indicates a rather cheap valuation: FI is cheaper than 80.61% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.37 | ||
| EV/EBITDA | 6.77 |
4.3 Compensation for Growth
The 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)1.63
PEG (5Y)0.37
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 |
NYSE:FI (11/6/2025, 9:52:09 AM)
62.65
-1.35 (-2.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner Change-1.04%
Ins Owners0.11%
Ins Owner Change0.01%
Market Cap34.06B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts72.27
Price Target171.86 (174.32%)
Short Float %1.42%
Short Ratio1.77
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)-8.3%
PT rev (3m)-21.73%
EPS NQ rev (1m)-0.63%
EPS NQ rev (3m)-0.98%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)-0.22%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)-0.25%
Revenue NY rev (1m)-0.16%
Revenue NY rev (3m)-0.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.84 | ||
| Fwd PE | 6.63 | ||
| P/S | 1.61 | ||
| P/FCF | 7.37 | ||
| P/OCF | 5.37 | ||
| P/B | 1.36 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.77 |
EPS(TTM)9.16
EY14.62%
EPS(NY)9.44
Fwd EY15.07%
FCF(TTM)8.5
FCFY13.56%
OCF(TTM)11.66
OCFY18.61%
SpS38.93
BVpS46.21
TBVpS-41.37
PEG (NY)1.63
PEG (5Y)0.37
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
WACC6.81%
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 6.84 and the Price/Book (PB) ratio is 1.36.