FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
NYSE:FIS • US31620M1062
46.95 USD
-1.36 (-2.82%)
At close: Feb 12, 2026
46.95 USD
0 (0%)
After Hours: 2/12/2026, 6:44:19 PM
Overall FIS gets a fundamental rating of 4 out of 10. We evaluated FIS against 96 industry peers in the Financial Services industry. There are concerns on the financial health of FIS while its profitability can be described as average. 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.
- 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
- FIS has a Return On Assets of 0.46%. This is in the lower half of the industry: FIS underperforms 62.50% of its industry peers.
- The Return On Equity of FIS (1.10%) is worse than 66.67% of its industry peers.
- The Return On Invested Capital of FIS (4.80%) is better than 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 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 worse Profit Margin (1.45%) than 68.75% of its industry peers.
- In the last couple of years the Profit Margin of FIS has grown nicely.
- With a decent Operating Margin value of 17.09%, FIS is doing good in the industry, outperforming 61.46% of the companies in the same industry.
- FIS's Operating Margin has improved in the last couple of years.
- Looking at the Gross Margin, with a value of 36.65%, FIS is in line with its industry, outperforming 52.08% of the companies in the same 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FIS is destroying value.
- FIS has less shares outstanding than it did 1 year ago.
- FIS has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, FIS has an improved debt to assets ratio.
2.2 Solvency
- FIS has an Altman-Z score of 0.18. This is a bad value and indicates that FIS is not financially healthy and even has some risk of bankruptcy.
- FIS has a Altman-Z score (0.18) which is in line with 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.
- A Debt/Equity ratio of 0.79 indicates that FIS is somewhat dependend on debt financing.
- FIS has a Debt to Equity ratio (0.79) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.18 |
ROIC/WACC0.66
WACC7.28%
2.3 Liquidity
- A Current Ratio of 0.53 indicates that FIS may have some problems paying its short term obligations.
- FIS's Current ratio of 0.53 is on the low side compared to the rest of the industry. FIS is outperformed by 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 Quick ratio of 0.53. This is in the lower half of the industry: FIS underperforms 60.42% 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.
- FIS shows a small growth in Revenue. In the last year, the Revenue has grown by 4.24%.
- 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
- The Earnings Per Share is expected to grow by 7.82% on average over the next years.
- FIS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.18% yearly.
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
- 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
- Based on the Price/Earnings ratio of 8.57, the valuation of FIS can be described as reasonable.
- 67.71% of the companies in the same industry are more expensive than FIS, based on the Price/Earnings ratio.
- FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
- A Price/Forward Earnings ratio of 7.47 indicates a rather cheap valuation of FIS.
- Based on the Price/Forward Earnings ratio, FIS is valued a bit cheaper than the industry average as 71.88% of the companies are valued more expensively.
- When comparing the Price/Forward Earnings ratio of FIS to the average of the S&P500 Index (27.69), we can say FIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.57 | ||
| Fwd PE | 7.47 |
4.2 Price Multiples
- FIS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FIS is cheaper than 69.79% of the companies in the same industry.
- Based on the Price/Free Cash Flow ratio, FIS is valued a bit cheaper than 68.75% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.88 | ||
| EV/EBITDA | 9.53 |
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
- FIS has a Yearly Dividend Yield of 3.46%. Purely for dividend investing, there may be better candidates out there.
- The stock price of FIS dropped by -26.91% in the last 3 months. With lower prices the dividend yield is higher, but it may be a sign investors do not trust the long term dividend.
- Compared to an average industry Dividend Yield of 2.03, FIS pays a bit more dividend than its industry peers.
- FIS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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%
46.95
-1.36 (-2.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)02-17 2026-02-17/amc
Inst Owners99.64%
Inst Owner Change-2.68%
Ins Owners0.07%
Ins Owner Change2.08%
Market Cap24.31B
Revenue(TTM)10.46B
Net Income(TTM)152.00M
Analysts76.67
Price Target80.56 (71.59%)
Short Float %2.81%
Short Ratio4.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.46% |
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 | 8.57 | ||
| Fwd PE | 7.47 | ||
| P/S | 2.32 | ||
| P/FCF | 12.88 | ||
| P/OCF | 8.87 | ||
| P/B | 1.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.53 |
EPS(TTM)5.48
EY11.67%
EPS(NY)6.28
Fwd EY13.38%
FCF(TTM)3.65
FCFY7.77%
OCF(TTM)5.29
OCFY11.27%
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 | 0.18 |
F-Score6
WACC7.28%
ROIC/WACC0.66
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 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 8.57 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.