FISERV INC (FISV) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FISV • US3377381088

60 USD
+1.56 (+2.67%)
At close: Feb 6, 2026
60.24 USD
+0.24 (+0.4%)
After Hours: 2/6/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, FISV scores 5 out of 10 in our fundamental rating. FISV was compared to 97 industry peers in the Financial Services industry. FISV scores excellent on profitability, but there are some minor concerns on its financial health. FISV may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • FISV had positive earnings in the past year.
  • In the past year FISV had a positive cash flow from operations.
  • FISV had positive earnings in each of the past 5 years.
  • FISV had a positive operating cash flow in each of the past 5 years.
FISV Yearly Net Income VS EBIT VS OCF VS FCFFISV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

  • FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. FISV outperforms 73.20% of its industry peers.
  • With a decent Return On Equity value of 14.36%, FISV is doing good in the industry, outperforming 74.23% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 8.87%, FISV is in the better half of the industry, outperforming 79.38% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for FISV is in line with the industry average of 8.54%.
  • The 3 year average ROIC (7.07%) for FISV is below the current ROIC(8.87%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.54%
ROE 14.36%
ROIC 8.87%
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
FISV Yearly ROA, ROE, ROICFISV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • FISV's Profit Margin of 17.05% is fine compared to the rest of the industry. FISV outperforms 63.92% of its industry peers.
  • FISV's Profit Margin has improved in the last couple of years.
  • FISV's Operating Margin of 28.72% is fine compared to the rest of the industry. FISV outperforms 75.26% of its industry peers.
  • FISV's Operating Margin has improved in the last couple of years.
  • With a decent Gross Margin value of 60.48%, FISV is doing good in the industry, outperforming 73.20% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FISV has grown nicely.
Industry RankSector Rank
OM 28.72%
PM (TTM) 17.05%
GM 60.48%
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
FISV Yearly Profit, Operating, Gross MarginsFISV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • The number of shares outstanding for FISV has been reduced compared to 1 year ago.
  • Compared to 5 years ago, FISV has less shares outstanding
  • FISV has a worse debt/assets ratio than last year.
FISV Yearly Shares OutstandingFISV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FISV Yearly Total Debt VS Total AssetsFISV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • Based on the Altman-Z score of 1.36, we must say that FISV is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.36, FISV is in the better half of the industry, outperforming 65.98% of the companies in the same industry.
  • FISV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as FISV would need 6.54 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.54, FISV is in the better half of the industry, outperforming 61.86% of the companies in the same industry.
  • A Debt/Equity ratio of 1.15 is on the high side and indicates that FISV has dependencies on debt financing.
  • FISV has a Debt to Equity ratio of 1.15. This is comparable to the rest of the industry: FISV outperforms 42.27% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.15
Debt/FCF 6.54
Altman-Z 1.36
ROIC/WACC1.12
WACC7.93%
FISV Yearly LT Debt VS Equity VS FCFFISV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
  • The Current ratio of FISV (1.08) is comparable to the rest of the industry.
  • A Quick Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
  • FISV has a Quick ratio (1.08) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.08
FISV Yearly Current Assets VS Current LiabilitesFISV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 7.76% over the past year.
  • Measured over the past years, FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
  • FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
  • FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
EPS 1Y (TTM)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-5.68%

3.2 Future

  • Based on estimates for the next years, FISV will show a small growth in Earnings Per Share. The EPS will grow by 5.05% on average per year.
  • FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.28% yearly.
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
FISV Yearly Revenue VS EstimatesFISV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
FISV Yearly EPS VS EstimatesFISV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.55, the valuation of FISV can be described as very cheap.
  • FISV's Price/Earnings ratio is rather cheap when compared to the industry. FISV is cheaper than 87.63% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FISV to the average of the S&P500 Index (27.92), we can say FISV is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.09, the valuation of FISV can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FISV indicates a somewhat cheap valuation: FISV is cheaper than 78.35% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, FISV is valued rather cheaply.
Industry RankSector Rank
PE 6.55
Fwd PE 7.09
FISV Price Earnings VS Forward Price EarningsFISV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FISV is valued cheaper than 86.60% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FISV is valued cheaply inside the industry as 87.63% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.99
EV/EBITDA 6.4
FISV Per share dataFISV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40

4.3 Compensation for Growth

  • FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-2.08%
EPS Next 3Y1.93%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • FISV does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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FISERV INC

NASDAQ:FISV (2/6/2026, 8:00:00 PM)

After market: 60.24 +0.24 (+0.4%)

60

+1.56 (+2.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-10
Inst Owners92.77%
Inst Owner Change-4.65%
Ins Owners0.13%
Ins Owner Change10.01%
Market Cap32.27B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target93.82 (56.37%)
Short Float %3.77%
Short Ratio2.07
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-24.31%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)-6.09%
Min EPS beat(4)-24.31%
Max EPS beat(4)1.08%
EPS beat(8)2
Avg EPS beat(8)-2.77%
EPS beat(12)2
Avg EPS beat(12)-2.23%
EPS beat(16)3
Avg EPS beat(16)-2.12%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-1.94%
Revenue beat(4)2
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)3.91%
Revenue beat(8)6
Avg Revenue beat(8)1.42%
Revenue beat(12)10
Avg Revenue beat(12)2.4%
Revenue beat(16)14
Avg Revenue beat(16)3.04%
PT rev (1m)-3.4%
PT rev (3m)-30.34%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-31.67%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-9.14%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-6.31%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-4.24%
Valuation
Industry RankSector Rank
PE 6.55
Fwd PE 7.09
P/S 1.53
P/FCF 6.99
P/OCF 5.09
P/B 1.28
P/tB N/A
EV/EBITDA 6.4
EPS(TTM)9.16
EY15.27%
EPS(NY)8.46
Fwd EY14.09%
FCF(TTM)8.59
FCFY14.31%
OCF(TTM)11.79
OCFY19.64%
SpS39.34
BVpS46.71
TBVpS-41.81
PEG (NY)N/A
PEG (5Y)0.36
Graham Number98.11
Profitability
Industry RankSector Rank
ROA 4.54%
ROE 14.36%
ROCE 10.66%
ROIC 8.87%
ROICexc 9.32%
ROICexgc 76.24%
OM 28.72%
PM (TTM) 17.05%
GM 60.48%
FCFM 21.83%
ROA(3y)3.48%
ROA(5y)2.7%
ROE(3y)10.02%
ROE(5y)7.46%
ROIC(3y)7.07%
ROIC(5y)5.33%
ROICexc(3y)7.22%
ROICexc(5y)5.43%
ROICexgc(3y)52.66%
ROICexgc(5y)40.98%
ROCE(3y)8.53%
ROCE(5y)6.42%
ROICexgc growth 3Y34.49%
ROICexgc growth 5Y29.52%
ROICexc growth 3Y39.63%
ROICexc growth 5Y32.38%
OM growth 3Y26.51%
OM growth 5Y12.26%
PM growth 3Y23.02%
PM growth 5Y11.79%
GM growth 3Y6.82%
GM growth 5Y4.7%
F-Score7
Asset Turnover0.27
Health
Industry RankSector Rank
Debt/Equity 1.15
Debt/FCF 6.54
Debt/EBITDA 3.14
Cap/Depr 55.2%
Cap/Sales 8.13%
Interest Coverage 4.32
Cash Conversion 68.95%
Profit Quality 128.06%
Current Ratio 1.08
Quick Ratio 1.08
Altman-Z 1.36
F-Score7
WACC7.93%
ROIC/WACC1.12
Cap/Depr(3y)47.28%
Cap/Depr(5y)41.23%
Cap/Sales(3y)7.76%
Cap/Sales(5y)7.3%
Profit Quality(3y)136.25%
Profit Quality(5y)192.63%
High Growth Momentum
Growth
EPS 1Y (TTM)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-5.68%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.05%
EBIT Next 3Y7.93%
EBIT Next 5Y5.88%
FCF growth 1Y20.44%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y21.9%
OCF growth 3Y18.02%
OCF growth 5Y18.86%

FISERV INC / FISV FAQ

What is the ChartMill fundamental rating of FISERV INC (FISV) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FISV.


What is the valuation status for FISV stock?

ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FISV). This can be considered as Undervalued.


Can you provide the profitability details for FISERV INC?

FISERV INC (FISV) has a profitability rating of 8 / 10.


How financially healthy is FISERV INC?

The financial health rating of FISERV INC (FISV) is 4 / 10.


Can you provide the expected EPS growth for FISV stock?

The Earnings per Share (EPS) of FISERV INC (FISV) is expected to decline by -1.03% in the next year.