FISERV INC (FI) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:FI • US3377381088

63.8 USD
+0.1 (+0.16%)
At close: Nov 10, 2025
63.6172 USD
-0.18 (-0.29%)
After Hours: 11/10/2025, 8:04:00 PM
Fundamental Rating

5

Taking everything into account, FI scores 5 out of 10 in our fundamental rating. FI was compared to 97 industry peers in the Financial Services industry. While FI belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. FI may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FI was profitable.
  • In the past year FI had a positive cash flow from operations.
  • Each year in the past 5 years FI has been profitable.
  • In the past 5 years FI always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 4.54%, FI is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
  • With a decent Return On Equity value of 14.36%, FI is doing good in the industry, outperforming 73.74% of the companies in the same industry.
  • FI has a better Return On Invested Capital (8.87%) than 78.79% of its industry peers.
  • FI had an Average Return On Invested Capital over the past 3 years of 7.07%. This is in line with the industry average of 8.54%.
  • 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

  • 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.
  • FI's Profit Margin has improved in the last couple of years.
  • 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.
  • 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

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4

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.
  • 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.
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

  • 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.
  • The Altman-Z score of FI (1.39) is better than 64.65% 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.
  • FI has a Debt to FCF ratio of 6.54. This is in the better half of the industry: FI outperforms 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.
  • With a Debt to Equity ratio value of 1.15, FI perfoms like the industry average, outperforming 42.42% of the companies in the same 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.
  • With a Current ratio value of 1.08, FI perfoms like the industry average, outperforming 52.53% of the companies in the same 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.
  • FI has a Quick ratio (1.08) which 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

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

4

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%.
  • FI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
  • FI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
  • 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

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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • 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

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Find the best growth stocksShow best growing peers

8

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 cheaply inside the industry as 84.85% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of FI to the average of the S&P500 Index (27.92), we can say FI is valued rather cheaply.
  • With a 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.
  • FI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FI indicates a rather cheap valuation: FI is cheaper than 82.83% of the companies listed in the same industry.
  • Based on the Price/Free Cash Flow ratio, FI is valued cheaply inside the industry as 83.84% of the companies are valued more expensively.
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. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

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 Change0.55%
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 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.


Can you provide the profitability details for FISERV INC?

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


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.