FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
NYSE:FIS • US31620M1062
46.8 USD
-0.15 (-0.32%)
At close: Feb 13, 2026
46.9984 USD
+0.2 (+0.42%)
After Hours: 2/13/2026, 8:08:44 PM
FIS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 96 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year FIS was profitable.
- FIS had a positive operating cash flow in the past year.
- The reported net income has been mixed in the past 5 years: FIS reported negative net income in multiple years.
- In the past 5 years FIS always reported a positive cash flow from operatings.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.46%, FIS is doing worse than 62.50% of the companies in the same industry.
- The Return On Equity of FIS (1.10%) is worse than 66.67% of its industry peers.
- FIS's Return On Invested Capital of 4.80% is fine compared to the rest of the industry. FIS outperforms 64.58% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FIS is significantly below the industry average of 8.59%.
- 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 68.75% of the companies in the same industry.
- In the last couple of years the Profit Margin of FIS has grown nicely.
- FIS's Operating Margin of 17.09% is fine compared to the rest of the industry. FIS outperforms 61.46% of its industry peers.
- FIS's Operating Margin has improved in the last couple of years.
- FIS has a Gross Margin (36.65%) which is comparable to the rest of the industry.
- In the last couple of years the Gross Margin of FIS has remained more or less at the same level.
| 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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.
- FIS has a better debt/assets ratio than last year.
2.2 Solvency
- Based on the Altman-Z score of 0.15, we must say that FIS is in the distress zone and has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of 0.15, FIS is in line with its industry, outperforming 43.75% 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.
- FIS has a Debt to FCF ratio (6.89) which is in line with its industry peers.
- FIS has a Debt/Equity ratio of 0.79. This is a neutral value indicating FIS is somewhat dependend on debt financing.
- Looking at the Debt to Equity ratio, with a value of 0.79, FIS is in line with its industry, outperforming 48.96% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.15 |
ROIC/WACC0.67
WACC7.17%
2.3 Liquidity
- FIS has a Current 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.
- FIS has a Current ratio of 0.53. This is in the lower half of the industry: FIS underperforms 60.42% 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.
- FIS has a worse Quick ratio (0.53) than 60.42% 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.
- Measured over the past years, FIS shows a decrease in Earnings Per Share. The EPS has been decreasing by -3.91% on average per year.
- Looking at the last year, FIS shows a small growth in Revenue. The Revenue has grown by 4.24% in the last year.
- Measured over the past years, FIS shows a decrease in Revenue. The Revenue has been decreasing by -0.40% on average per year.
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
- Based on estimates for the next years, FIS will show a small growth in Earnings Per Share. The EPS will grow by 7.82% on average per year.
- The Revenue is expected to grow by 4.18% on average over the next years.
EPS Next Y10.7%
EPS Next 2Y9.29%
EPS Next 3Y9.36%
EPS Next 5Y7.82%
Revenue Next Year4.42%
Revenue Next 2Y5.52%
Revenue Next 3Y4.92%
Revenue Next 5Y4.18%
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 accelerating.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- FIS is valuated reasonably with a Price/Earnings ratio of 8.54.
- Based on the Price/Earnings ratio, FIS is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
- FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
- FIS is valuated cheaply with a Price/Forward Earnings ratio of 7.45.
- Based on the Price/Forward Earnings ratio, FIS is valued a bit cheaper than 73.96% of the companies in the same industry.
- When comparing the Price/Forward Earnings ratio of FIS to the average of the S&P500 Index (27.96), we can say FIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.54 | ||
| Fwd PE | 7.45 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, FIS is valued a bit cheaper than the industry average as 69.79% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, FIS is valued a bit cheaper than the industry average as 68.75% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.84 | ||
| EV/EBITDA | 9.34 |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y9.29%
EPS Next 3Y9.36%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.75%, FIS has a reasonable but not impressive dividend return.
- In the last 3 months the price of FIS has falen by -27.15%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
- FIS's Dividend Yield is a higher than the industry average which is at 2.21.
- FIS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
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 2Y9.29%
EPS Next 3Y9.36%
46.8
-0.15 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)02-24 2026-02-24/amc
Inst Owners99.64%
Inst Owner Change-2.68%
Ins Owners0.07%
Ins Owner Change2.08%
Market Cap24.24B
Revenue(TTM)10.46B
Net Income(TTM)152.00M
Analysts76.25
Price Target80.56 (72.14%)
Short Float %2.81%
Short Ratio4.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.75% |
Yearly Dividend1.44
Dividend Growth(5Y)-1.76%
DP547.37%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-10 2026-03-10 (0.44)
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)-2.61%
PT rev (3m)-5.19%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-0.24%
EPS NY rev (1m)0.01%
EPS NY rev (3m)0.22%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.07%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.54 | ||
| Fwd PE | 7.45 | ||
| P/S | 2.32 | ||
| P/FCF | 12.84 | ||
| P/OCF | 8.84 | ||
| P/B | 1.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.34 |
EPS(TTM)5.48
EY11.71%
EPS(NY)6.28
Fwd EY13.42%
FCF(TTM)3.65
FCFY7.79%
OCF(TTM)5.29
OCFY11.31%
SpS20.21
BVpS26.76
TBVpS-15.02
PEG (NY)0.8
PEG (5Y)N/A
Graham Number57.44
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 | 0.15 |
F-Score6
WACC7.17%
ROIC/WACC0.67
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 Y10.7%
EPS Next 2Y9.29%
EPS Next 3Y9.36%
EPS Next 5Y7.82%
Revenue 1Y (TTM)4.24%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.72%
Revenue Next Year4.42%
Revenue Next 2Y5.52%
Revenue Next 3Y4.92%
Revenue Next 5Y4.18%
EBIT growth 1Y7%
EBIT growth 3Y12.59%
EBIT growth 5Y10.77%
EBIT Next Year43.63%
EBIT Next 3Y18.08%
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.
Can you provide the valuation status for FIDELITY NATIONAL INFO SERV?
ChartMill assigns a valuation rating of 7 / 10 to FIDELITY NATIONAL INFO SERV (FIS). This can be considered as Undervalued.
What is the profitability of FIS stock?
FIDELITY NATIONAL INFO SERV (FIS) has a profitability rating of 5 / 10.
Can you provide the PE and PB ratios for FIS stock?
The Price/Earnings (PE) ratio for FIDELITY NATIONAL INFO SERV (FIS) is 8.54 and the Price/Book (PB) ratio is 1.75.
Can you provide the expected EPS growth for FIS stock?
The Earnings per Share (EPS) of FIDELITY NATIONAL INFO SERV (FIS) is expected to grow by 10.7% in the next year.