FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FIS - US31620M1062 - Common Stock
64.23 USD
-2.01 (-3.03%)
64.3 USD
+0.07 (+0.11%)
Taking everything into account, FIS scores 4 out of 10 in our fundamental rating. FIS was compared to 98 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 decent growth rate and is not valued too expensively.
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.
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
With a Return On Assets value of 0.46%, FIS is not doing good in the industry: 63.27% of the companies in the same industry are doing better.
FIS has a Return On Equity of 1.10%. This is in the lower half of the industry: FIS underperforms 67.35% of its industry peers.
With a decent Return On Invested Capital value of 4.80%, FIS is doing good in the industry, outperforming 65.31% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FIS is significantly below the industry average of 8.44%.
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
Looking at the Profit Margin, with a value of 1.45%, FIS is doing worse than 68.37% of the companies in the same industry.
FIS's Profit Margin has improved in the last couple of years.
FIS's Operating Margin of 17.09% is fine compared to the rest of the industry. FIS outperforms 62.24% of its industry peers.
FIS's Operating Margin has improved in the last couple of years.
FIS's Gross Margin of 36.65% is in line compared to the rest of the industry. FIS outperforms 52.04% of 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
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.
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
FIS has an Altman-Z score of 0.47. This is a bad value and indicates that FIS is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.47, FIS is in line with its industry, outperforming 53.06% 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.
Looking at the Debt to FCF ratio, with a value of 6.89, FIS is in line with its industry, outperforming 52.04% 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 (0.79) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.79 | ||
| Debt/FCF | 6.89 | ||
| Altman-Z | 0.47 |
ROIC/WACC0.66
WACC7.29%
2.3 Liquidity
A Current Ratio of 0.53 indicates that FIS may have some problems paying its short term obligations.
FIS has a worse Current ratio (0.53) than 61.22% 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 61.22% 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.
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.
The Revenue is expected to grow by 4.18% on average over the next years.
EPS Next Y10.69%
EPS Next 2Y10.31%
EPS Next 3Y9.97%
EPS Next 5Y7.82%
Revenue Next Year4.4%
Revenue Next 2Y4.47%
Revenue Next 3Y4.43%
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
The Price/Earnings ratio is 11.72, which indicates a very decent valuation of FIS.
Compared to the rest of the industry, the Price/Earnings ratio of FIS is on the same level as its industry peers.
FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.30.
A Price/Forward Earnings ratio of 10.04 indicates a reasonable valuation of FIS.
FIS's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 24.04. FIS is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.04 |
4.2 Price Multiples
60.20% 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 the industry average as 62.24% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.62 | ||
| EV/EBITDA | 12.08 |
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)1.1
PEG (5Y)N/A
EPS Next 2Y10.31%
EPS Next 3Y9.97%
5. Dividend
5.1 Amount
FIS has a Yearly Dividend Yield of 2.37%. 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 2.49.
Compared to an average S&P500 Dividend Yield of 1.92, FIS pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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 2Y10.31%
EPS Next 3Y9.97%
64.23
-2.01 (-3.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners99.64%
Inst Owner Change0.25%
Ins Owners0.07%
Ins Owner Change2.03%
Market Cap33.26B
Revenue(TTM)10.46B
Net Income(TTM)152.00M
Analysts76.67
Price Target82.73 (28.8%)
Short Float %2.81%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.37% |
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)0%
PT rev (3m)-5.08%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-0.39%
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%
Revenue NY rev (3m)0.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.72 | ||
| Fwd PE | 10.04 | ||
| P/S | 3.18 | ||
| P/FCF | 17.62 | ||
| P/OCF | 12.13 | ||
| P/B | 2.4 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.08 |
EPS(TTM)5.48
EY8.53%
EPS(NY)6.4
Fwd EY9.96%
FCF(TTM)3.65
FCFY5.68%
OCF(TTM)5.29
OCFY8.24%
SpS20.21
BVpS26.76
TBVpS-15.02
PEG (NY)1.1
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 | 0.47 |
F-Score6
WACC7.29%
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 Y10.69%
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 Year4.4%
Revenue Next 2Y4.47%
Revenue Next 3Y4.43%
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 11.72 and the Price/Book (PB) ratio is 2.4.
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.