FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:FIS • US31620M1062
55.13 USD
-0.07 (-0.13%)
Last: Jan 30, 2026, 10:15 AM
We assign a fundamental rating of 4 out of 10 to FIS. FIS was compared to 97 industry peers in the Financial Services industry. FIS has a medium profitability rating, but doesn't score so well on its financial health evaluation. FIS has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- FIS had positive earnings in the past year.
- FIS had a positive operating cash flow in the past year.
- In multiple years FIS reported negative net income over the last 5 years.
- In the past 5 years FIS always reported a positive cash flow from operatings.
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 62.89% of its industry peers.
- FIS has a Return On Equity of 1.10%. This is in the lower half of the industry: FIS underperforms 67.01% of its industry peers.
- FIS has a better Return On Invested Capital (4.80%) than 65.98% of its industry peers.
- FIS had an Average Return On Invested Capital over the past 3 years of 3.09%. This is significantly below the industry average of 8.46%.
- The last Return On Invested Capital (4.80%) for FIS is above the 3 year average (3.09%), which is a sign of increasing profitability.
| 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
- FIS has a Profit Margin of 1.45%. This is in the lower half of the industry: FIS underperforms 68.04% of its industry peers.
- 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 62.89% of its industry peers.
- In the last couple of years the Operating Margin of FIS has grown nicely.
- FIS has a Gross Margin (36.65%) which is in line with its industry peers.
- 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
- FIS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- FIS has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for FIS has been increased compared to 5 years ago.
- The debt/assets ratio for FIS has been reduced compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 0.29, we must say that FIS is in the distress zone and has some risk of bankruptcy.
- FIS's Altman-Z score of 0.29 is in line compared to the rest of the industry. FIS outperforms 47.42% of its industry peers.
- The Debt to FCF ratio of FIS is 6.89, which is on the high side as it means it would take FIS, 6.89 years of fcf income to pay off all of its debts.
- The Debt to FCF ratio of FIS (6.89) is comparable to the rest of the industry.
- FIS has a Debt/Equity ratio of 0.79. This is a neutral value indicating FIS is somewhat dependend on debt financing.
- FIS's Debt to Equity ratio of 0.79 is in line compared to the rest of the industry. FIS outperforms 49.48% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.29 |
ROIC/WACC0.67
WACC7.11%
2.3 Liquidity
- A Current Ratio of 0.53 indicates that FIS may have some problems paying its short term obligations.
- Looking at the Current ratio, with a value of 0.53, FIS is doing worse than 60.82% of the companies in the same industry.
- 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's Quick ratio of 0.53 is on the low side compared to the rest of the industry. FIS is outperformed by 60.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.53 | ||
| Quick Ratio | 0.53 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an nice 14.17% over the past year.
- FIS shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -3.91% yearly.
- The Revenue has been growing slightly by 4.24% in the past 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
- FIS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.82% yearly.
- The Revenue is expected to grow by 4.18% on average over the next years.
EPS Next Y10.67%
EPS Next 2Y9.5%
EPS Next 3Y9.43%
EPS Next 5Y7.82%
Revenue Next Year4.42%
Revenue Next 2Y5.58%
Revenue Next 3Y4.97%
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 10.06.
- Compared to the rest of the industry, the Price/Earnings ratio of FIS indicates a somewhat cheap valuation: FIS is cheaper than 61.86% of the companies listed in the same industry.
- FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.39.
- The Price/Forward Earnings ratio is 8.74, which indicates a very decent valuation of FIS.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FIS indicates a somewhat cheap valuation: FIS is cheaper than 63.92% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of FIS to the average of the S&P500 Index (25.72), we can say FIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.06 | ||
| Fwd PE | 8.74 |
4.2 Price Multiples
- 63.92% of the companies in the same industry are more expensive than FIS, based on the Enterprise Value to EBITDA ratio.
- Based on the Price/Free Cash Flow ratio, FIS is valued a bit cheaper than 63.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.12 | ||
| EV/EBITDA | 10.51 |
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)0.94
PEG (5Y)N/A
EPS Next 2Y9.5%
EPS Next 3Y9.43%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.61%, FIS has a reasonable but not impressive dividend return.
- FIS's Dividend Yield is a higher than the industry average which is at 2.09.
- Compared to an average S&P500 Dividend Yield of 1.82, FIS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.61% |
5.2 History
- The dividend of FIS decreases each year by -1.76%.
- FIS has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-1.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- FIS pays out 547.37% of its income as dividend. This is not a sustainable payout ratio.
DP547.37%
EPS Next 2Y9.5%
EPS Next 3Y9.43%
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 6 / 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.
Can you provide the PE and PB ratios for FIS stock?
The Price/Earnings (PE) ratio for FIDELITY NATIONAL INFO SERV (FIS) is 10.06 and the Price/Book (PB) ratio is 2.06.
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 10.67% in the next year.