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.
  • 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

  • FI has a better Return On Assets (4.54%) than 72.73% of its industry peers.
  • FI's Return On Equity of 14.36% is fine compared to the rest of the industry. FI outperforms 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 7.97%.
  • 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

  • FI has a Profit Margin of 17.05%. This is in the better half of the industry: FI outperforms 64.65% of its industry peers.
  • FI's Profit Margin has improved in the last couple of years.
  • FI's Operating Margin of 28.72% is fine compared to the rest of the industry. FI outperforms 73.74% of its industry peers.
  • FI's Operating Margin has improved in the last couple of years.
  • FI has a better Gross Margin (60.48%) than 73.74% of its industry peers.
  • 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. 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
  • The number of shares outstanding for FI has been reduced compared to 5 years ago.
  • 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

  • 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.
  • 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 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.
  • A Debt/Equity ratio of 1.15 is on the high side and indicates that FI has dependencies on debt financing.
  • FI's Debt to Equity ratio of 1.15 is in line compared 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.
  • The Current ratio of FI (1.08) 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.
  • 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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4

3. FI Growth Analysis

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.
  • Looking at the last year, FI shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
  • The Revenue has been growing by 14.96% on average over the past years. This is quite good.
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.
  • 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

  • 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

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8

4. FI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 6.97 indicates a rather cheap valuation of FI.
  • Based on the Price/Earnings ratio, FI is valued cheaper than 84.85% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.77, FI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.76 indicates a rather cheap valuation of FI.
  • FI's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FI is cheaper than 73.74% of the companies in the same industry.
  • FI is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.75, which is the current average of the S&P500 Index.
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

  • 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.
  • FI has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)1.66
PEG (5Y)0.38
EPS Next 2Y3.47%
EPS Next 3Y5.63%

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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

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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 Strength27.33
Industry Growth77.02
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 Number97.5937 (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.