FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FIS - US31620M1062 - Common Stock
60.07 USD
-3.28 (-5.18%)
60.07 USD
0 (0%)
Taking everything into account, FIS scores 4 out of 10 in our fundamental rating. FIS was compared to 97 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 decent growth rate and is not valued too expensively.
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.
- Each year in the past 5 years FIS had a positive operating cash flow.
1.2 Ratios
- FIS has a Return On Assets of 0.46%. This is in the lower half of the industry: FIS underperforms 62.89% of its industry peers.
- FIS's Return On Equity of 1.10% is on the low side compared to the rest of the industry. FIS is outperformed by 67.01% of its industry peers.
- With a decent Return On Invested Capital value of 4.80%, FIS is doing good in the industry, outperforming 64.95% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for FIS is significantly below the industry average of 8.44%.
- 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
- FIS has a worse Profit Margin (1.45%) than 69.07% of its industry peers.
- FIS's Profit Margin has improved in the last couple of years.
- FIS has a Operating Margin of 17.09%. This is in the better half of the industry: FIS outperforms 61.86% 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.
- Compared to 1 year ago, FIS has less shares outstanding
- FIS has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for FIS has been reduced compared to a year ago.
2.2 Solvency
- FIS has an Altman-Z score of 0.42. This is a bad value and indicates that FIS is not financially healthy and even has some risk of bankruptcy.
- With a Altman-Z score value of 0.42, FIS perfoms like the industry average, outperforming 51.55% of the companies in the same industry.
- 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.
- FIS has a Debt to FCF ratio (6.89) which is in line with its industry peers.
- A Debt/Equity ratio of 0.79 indicates that FIS is somewhat dependend on debt financing.
- The Debt to Equity ratio of FIS (0.79) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.42 |
ROIC/WACC0.67
WACC7.2%
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 worse Current ratio (0.53) than 60.82% 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.
- With a Quick ratio value of 0.53, FIS is not doing good in the industry: 60.82% of the companies in the same industry are doing better.
| 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.
- Looking at the last year, FIS shows a small growth in Revenue. The Revenue has grown by 4.24% in the last year.
- 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 Y10.69%
EPS Next 2Y10.31%
EPS Next 3Y9.97%
EPS Next 5Y7.82%
Revenue Next Year4.39%
Revenue Next 2Y4.47%
Revenue Next 3Y4.45%
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.
- 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 10.96, the valuation of FIS can be described as very reasonable.
- The rest of the industry has a similar Price/Earnings ratio as FIS.
- When comparing the Price/Earnings ratio of FIS to the average of the S&P500 Index (26.94), we can say FIS is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 9.39, the valuation of FIS can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of FIS is on the same level as its industry peers.
- FIS is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.94, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.39 |
4.2 Price Multiples
- 60.82% 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 61.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.48 | ||
| EV/EBITDA | 11.67 |
4.3 Compensation for Growth
- FIS's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.03
PEG (5Y)N/A
EPS Next 2Y10.31%
EPS Next 3Y9.97%
5. Dividend
5.1 Amount
- FIS has a Yearly Dividend Yield of 2.52%. Purely for dividend investing, there may be better candidates out there.
- FIS's Dividend Yield is a higher than the industry average which is at 2.24.
- Compared to an average S&P500 Dividend Yield of 1.83, FIS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
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
- FIS pays out 547.37% of its income as dividend. This is not a sustainable payout ratio.
DP547.37%
EPS Next 2Y10.31%
EPS Next 3Y9.97%
60.07
-3.28 (-5.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05 2025-11-05/bmo
Earnings (Next)02-09 2026-02-09/amc
Inst Owners99.64%
Inst Owner Change0.24%
Ins Owners0.07%
Ins Owner Change2.01%
Market Cap31.11B
Revenue(TTM)10.46B
Net Income(TTM)152.00M
Analysts76.67
Price Target81.69 (35.99%)
Short Float %2.88%
Short Ratio5.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.52% |
Yearly Dividend1.44
Dividend Growth(5Y)-1.76%
DP547.37%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)-1.26%
PT rev (3m)-6.28%
EPS NQ rev (1m)-0.09%
EPS NQ rev (3m)-0.46%
EPS NY rev (1m)0%
EPS NY rev (3m)0.25%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)0.4%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.96 | ||
| Fwd PE | 9.39 | ||
| P/S | 2.97 | ||
| P/FCF | 16.48 | ||
| P/OCF | 11.35 | ||
| P/B | 2.24 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.67 |
EPS(TTM)5.48
EY9.12%
EPS(NY)6.4
Fwd EY10.65%
FCF(TTM)3.65
FCFY6.07%
OCF(TTM)5.29
OCFY8.81%
SpS20.21
BVpS26.76
TBVpS-15.02
PEG (NY)1.03
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 | 0.42 |
F-Score6
WACC7.2%
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 Y10.69%
EPS Next 2Y10.31%
EPS Next 3Y9.97%
EPS Next 5Y7.82%
Revenue 1Y (TTM)4.24%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.72%
Revenue Next Year4.39%
Revenue Next 2Y4.47%
Revenue Next 3Y4.45%
Revenue Next 5Y4.18%
EBIT growth 1Y7%
EBIT growth 3Y12.59%
EBIT growth 5Y10.77%
EBIT Next Year43.66%
EBIT Next 3Y17.34%
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 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.
Can you provide the PE and PB ratios for FIS stock?
The Price/Earnings (PE) ratio for FIDELITY NATIONAL INFO SERV (FIS) is 10.96 and the Price/Book (PB) ratio is 2.24.
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 10.69% in the next year.