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.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • With a decent Return On Assets value of 4.54%, FI is doing good in the industry, outperforming 72.73% of the companies in the same industry.
  • The Return On Equity of FI (14.36%) is better than 73.74% of its industry peers.
  • The Return On Invested Capital of FI (8.87%) is better than 78.79% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FI is in line with the industry average of 8.00%.
  • 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 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

  • With a decent Profit Margin value of 17.05%, FI is doing good in 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.
  • With a decent Operating Margin value of 28.72%, FI is doing good in the industry, outperforming 73.74% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FI has grown nicely.
  • FI has a Gross Margin of 60.48%. This is in the better half of the industry: FI outperforms 73.74% of its industry peers.
  • In the last couple of years the Gross Margin of FI has grown nicely.
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

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FI is still creating some value.
  • Compared to 1 year ago, FI has less shares outstanding
  • FI has less shares outstanding than it did 5 years ago.
  • FI has a worse debt/assets ratio than last year.
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.
  • 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.
  • The Debt to FCF ratio of FI (6.54) is better than 63.64% of its industry peers.
  • FI has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of FI (1.15) is comparable to the rest of the industry.
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.
  • FI has a Current ratio (1.08) which is comparable to the rest of the 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 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.
  • Looking at the last year, FI shows a small growth in Revenue. The Revenue has grown by 5.16% in the last 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

  • FI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.25% yearly.
  • The Revenue is expected to grow by 4.28% on average over the next years.
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

  • A Price/Earnings ratio of 6.97 indicates a rather cheap valuation of FI.
  • 84.85% of the companies in the same industry are more expensive than FI, based on the Price/Earnings ratio.
  • FI is valuated cheaply when we compare the Price/Earnings ratio to 27.34, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 6.76, the valuation of FI can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FI indicates a somewhat cheap valuation: FI is cheaper than 73.74% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FI to the average of the S&P500 Index (38.18), we can say FI is valued rather cheaply.
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 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FI is valued cheaper than 82.83% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FI is valued 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

  • FI's 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

  • FI does not give a dividend.
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
Earnings (Last)10-29
Earnings (Next)02-03
Inst OwnersN/A
Inst Owner Change-23.49%
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 %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 Number97.59
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.