FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
USA - NYSE:FIS - US31620M1062 - Common Stock
64.775 USD
+0.54 (+0.83%)
Taking everything into account, FIS scores 4 out of 10 in our fundamental rating. FIS was compared to 99 industry peers in the Financial Services industry. While FIS is still in line with the averages on profitability rating, there are concerns on its financial health. FIS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FIS was profitable.
In the past year FIS had a positive cash flow from operations.
In multiple years FIS reported negative net income over the last 5 years.
Each year in the past 5 years FIS had a positive operating cash flow.
1.2 Ratios
FIS's Return On Assets of 0.46% is on the low side compared to the rest of the industry. FIS is outperformed by 62.63% of its industry peers.
With a Return On Equity value of 1.10%, FIS is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
FIS has a better Return On Invested Capital (4.80%) than 63.64% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FIS is significantly below the industry average of 8.10%.
The 3 year average ROIC (3.09%) for FIS is below the current ROIC(4.80%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 1.1% | ||
| ROIC | 4.8% |
ROA(3y)-11.43%
ROA(5y)-6.72%
ROE(3y)-29.08%
ROE(5y)-17.21%
ROIC(3y)3.09%
ROIC(5y)2.24%
1.3 Margins
Looking at the Profit Margin, with a value of 1.45%, FIS is doing worse than 67.68% of the companies in the same industry.
In the last couple of years the Profit Margin of FIS has grown nicely.
FIS has a Operating Margin of 17.09%. This is in the better half of the industry: FIS outperforms 61.62% of its industry peers.
In the last couple of years the Operating Margin of FIS has grown nicely.
Looking at the Gross Margin, with a value of 36.65%, FIS is in line with its industry, outperforming 53.54% of the companies in the same industry.
FIS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.09% | ||
| PM (TTM) | 1.45% | ||
| GM | 36.65% |
OM growth 3Y9.59%
OM growth 5Y11.22%
PM growth 3Y47.46%
PM growth 5Y37.78%
GM growth 3Y1.56%
GM growth 5Y0.84%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FIS is destroying value.
The number of shares outstanding for FIS has been reduced compared to 1 year ago.
The number of shares outstanding for FIS has been increased compared to 5 years ago.
Compared to 1 year ago, FIS has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.44, we must say that FIS is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of 0.44, FIS perfoms like the industry average, outperforming 49.49% of the companies in the same industry.
FIS has a debt to FCF ratio of 6.89. This is a slightly negative value and a sign of low solvency as FIS would need 6.89 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.89, FIS is in line with its industry, outperforming 57.58% of the companies in the same industry.
A Debt/Equity ratio of 0.79 indicates that FIS is somewhat dependend on debt financing.
FIS has a Debt to Equity ratio of 0.79. This is comparable to the rest of the industry: FIS outperforms 50.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.44 |
ROIC/WACC0.72
WACC6.65%
2.3 Liquidity
A Current Ratio of 0.53 indicates that FIS may have some problems paying its short term obligations.
FIS has a Current ratio of 0.53. This is in the lower half of the industry: FIS underperforms 62.63% of its industry peers.
FIS has a Quick Ratio of 0.53. This is a bad value and indicates that FIS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of FIS (0.53) is worse than 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
FIS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.17%, which is quite good.
The Earnings Per Share has been decreasing by -3.91% on average over the past years.
FIS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.24%.
The Revenue has been decreasing by -0.40% on average over the past years.
EPS 1Y (TTM)14.17%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%7.86%
Revenue 1Y (TTM)4.24%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.72%
3.2 Future
The Earnings Per Share is expected to grow by 7.82% on average over the next years.
Based on estimates for the next years, FIS will show a small growth in Revenue. The Revenue will grow by 4.18% on average per year.
EPS Next Y10.46%
EPS Next 2Y9.7%
EPS Next 3Y9.45%
EPS Next 5Y7.82%
Revenue Next Year3.63%
Revenue Next 2Y4.04%
Revenue Next 3Y4.16%
Revenue Next 5Y4.18%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.82, the valuation of FIS can be described as very reasonable.
FIS's Price/Earnings ratio is in line with the industry average.
FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.89.
A Price/Forward Earnings ratio of 10.23 indicates a reasonable valuation of FIS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FIS is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 34.59. FIS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 10.23 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as FIS.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FIS indicates a somewhat cheap valuation: FIS is cheaper than 62.63% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.92 | ||
| EV/EBITDA | 11.87 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.13
PEG (5Y)N/A
EPS Next 2Y9.7%
EPS Next 3Y9.45%
5. Dividend
5.1 Amount
FIS has a Yearly Dividend Yield of 2.41%.
FIS's Dividend Yield is a higher than the industry average which is at 4.67.
Compared to an average S&P500 Dividend Yield of 2.44, FIS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
5.2 History
The dividend of FIS decreases each year by -1.76%.
FIS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-1.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
547.37% of the earnings are spent on dividend by FIS. This is not a sustainable payout ratio.
DP547.37%
EPS Next 2Y9.7%
EPS Next 3Y9.45%
NYSE:FIS (11/17/2025, 10:08:01 AM)
64.775
+0.54 (+0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners101.13%
Inst Owner Change-2.84%
Ins Owners0.07%
Ins Owner Change4.87%
Market Cap33.84B
Revenue(TTM)10.46B
Net Income(TTM)152.00M
Analysts76.13
Price Target84.97 (31.18%)
Short Float %2.26%
Short Ratio2.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend1.44
Dividend Growth(5Y)-1.76%
DP547.37%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.22%
Min EPS beat(2)-1.03%
Max EPS beat(2)0.58%
EPS beat(4)3
Avg EPS beat(4)0.43%
Min EPS beat(4)-1.03%
Max EPS beat(4)2.16%
EPS beat(8)6
Avg EPS beat(8)3.95%
EPS beat(12)9
Avg EPS beat(12)3.85%
EPS beat(16)11
Avg EPS beat(16)2.8%
Revenue beat(2)2
Avg Revenue beat(2)0.85%
Min Revenue beat(2)0.46%
Max Revenue beat(2)1.23%
Revenue beat(4)2
Avg Revenue beat(4)-0.13%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.23%
Revenue beat(8)2
Avg Revenue beat(8)-0.48%
Revenue beat(12)4
Avg Revenue beat(12)-5.46%
Revenue beat(16)5
Avg Revenue beat(16)-17.94%
PT rev (1m)-2.51%
PT rev (3m)-6.36%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)-0.27%
EPS NY rev (1m)0.04%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0.43%
Revenue NQ rev (3m)0.47%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.82 | ||
| Fwd PE | 10.23 | ||
| P/S | 3.23 | ||
| P/FCF | 17.92 | ||
| P/OCF | 12.34 | ||
| P/B | 2.44 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.87 |
EPS(TTM)5.48
EY8.46%
EPS(NY)6.33
Fwd EY9.77%
FCF(TTM)3.61
FCFY5.58%
OCF(TTM)5.25
OCFY8.1%
SpS20.03
BVpS26.53
TBVpS-14.89
PEG (NY)1.13
PEG (5Y)N/A
Graham Number57.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 1.1% | ||
| ROCE | 6.99% | ||
| ROIC | 4.8% | ||
| ROICexc | 4.95% | ||
| ROICexgc | 25.79% | ||
| OM | 17.09% | ||
| PM (TTM) | 1.45% | ||
| GM | 36.65% | ||
| FCFM | 18.04% |
ROA(3y)-11.43%
ROA(5y)-6.72%
ROE(3y)-29.08%
ROE(5y)-17.21%
ROIC(3y)3.09%
ROIC(5y)2.24%
ROICexc(3y)3.21%
ROICexc(5y)2.33%
ROICexgc(3y)27.77%
ROICexgc(5y)N/A
ROCE(3y)4.44%
ROCE(5y)3.22%
ROICexgc growth 3Y-19.6%
ROICexgc growth 5Y-23.17%
ROICexc growth 3Y54.67%
ROICexc growth 5Y34.72%
OM growth 3Y9.59%
OM growth 5Y11.22%
PM growth 3Y47.46%
PM growth 5Y37.78%
GM growth 3Y1.56%
GM growth 5Y0.84%
F-Score6
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Debt/EBITDA | 3.01 | ||
| Cap/Depr | 45.84% | ||
| Cap/Sales | 8.15% | ||
| Interest Coverage | 4.91 | ||
| Cash Conversion | 75.12% | ||
| Profit Quality | 1242.11% | ||
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 | ||
| Altman-Z | 0.44 |
F-Score6
WACC6.65%
ROIC/WACC0.72
Cap/Depr(3y)48.27%
Cap/Depr(5y)41.27%
Cap/Sales(3y)8.75%
Cap/Sales(5y)9.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.17%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%7.86%
EPS Next Y10.46%
EPS Next 2Y9.7%
EPS Next 3Y9.45%
EPS Next 5Y7.82%
Revenue 1Y (TTM)4.24%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.72%
Revenue Next Year3.63%
Revenue Next 2Y4.04%
Revenue Next 3Y4.16%
Revenue Next 5Y4.18%
EBIT growth 1Y7%
EBIT growth 3Y12.59%
EBIT growth 5Y10.77%
EBIT Next Year43.13%
EBIT Next 3Y17.13%
EBIT Next 5Y13.83%
FCF growth 1Y-38.32%
FCF growth 3Y-29.37%
FCF growth 5Y-4.54%
OCF growth 1Y-30.64%
OCF growth 3Y-24.49%
OCF growth 5Y-2.99%
FIDELITY NATIONAL INFO SERV / FIS FAQ
Can you provide the ChartMill fundamental rating for FIDELITY NATIONAL INFO SERV?
ChartMill assigns a fundamental rating of 4 / 10 to FIS.
What is the valuation status for FIS stock?
ChartMill assigns a valuation rating of 5 / 10 to FIDELITY NATIONAL INFO SERV (FIS). This can be considered as Fairly Valued.
What is the profitability of FIS stock?
FIDELITY NATIONAL INFO SERV (FIS) has a profitability rating of 5 / 10.
What is the valuation of FIDELITY NATIONAL INFO SERV based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FIDELITY NATIONAL INFO SERV (FIS) is 11.82 and the Price/Book (PB) ratio is 2.44.
How sustainable is the dividend of FIDELITY NATIONAL INFO SERV (FIS) stock?
The dividend rating of FIDELITY NATIONAL INFO SERV (FIS) is 3 / 10 and the dividend payout ratio is 547.37%.