FISERV INC (FISV) Stock Fundamental Analysis

NASDAQ:FISV • US3377381088

58.785 USD
-2.69 (-4.37%)
Last: Feb 23, 2026, 12:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. While FISV has a great profitability rating, there are quite some 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

  • In the past year FISV was profitable.
  • In the past year FISV had a positive cash flow from operations.
  • FISV had positive earnings in each of the past 5 years.
  • In the past 5 years FISV always reported a positive cash flow from operatings.
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 2025 2B 4B 6B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 4.34%, FISV is in the better half of the industry, outperforming 72.45% of the companies in the same industry.
  • With a decent Return On Equity value of 13.49%, FISV is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • FISV's Return On Invested Capital of 8.45% is fine compared to the rest of the industry. FISV outperforms 79.59% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FISV is in line with the industry average of 8.42%.
  • The last Return On Invested Capital (8.45%) for FISV is above the 3 year average (8.12%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
FISV Yearly ROA, ROE, ROICFISV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • FISV's Profit Margin of 16.42% is fine compared to the rest of the industry. FISV outperforms 62.24% of its industry peers.
  • In the last couple of years the Profit Margin of FISV has grown nicely.
  • FISV has a Operating Margin of 26.89%. This is in the better half of the industry: FISV outperforms 73.47% of its industry peers.
  • FISV's Operating Margin has improved in the last couple of years.
  • FISV has a Gross Margin of 59.36%. This is in the better half of the industry: FISV outperforms 73.47% of its industry peers.
  • FISV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
FISV Yearly Profit, Operating, Gross MarginsFISV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • FISV has less shares outstanding than it did 1 year ago.
  • FISV has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, FISV has a worse debt to assets ratio.
FISV Yearly Shares OutstandingFISV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B 80B

2.2 Solvency

  • The Debt to FCF ratio of FISV is 6.75, which is on the high side as it means it would take FISV, 6.75 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.75, FISV is in line with its industry, outperforming 53.06% of the companies in the same industry.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that FISV has dependencies on debt financing.
  • FISV's Debt to Equity ratio of 1.08 is in line compared to the rest of the industry. FISV outperforms 40.82% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.07
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 2025 10B 20B 30B

2.3 Liquidity

  • FISV has a Current Ratio of 1.03. This is a normal value and indicates that FISV is financially healthy and should not expect problems in meeting its short term obligations.
  • FISV's Current ratio of 1.03 is in line compared to the rest of the industry. FISV outperforms 50.00% of its industry peers.
  • FISV has a Quick Ratio of 1.03. This is a normal value and indicates that FISV is financially healthy and should not expect problems in meeting its short term obligations.
  • FISV's Quick ratio of 1.03 is in line compared to the rest of the industry. FISV outperforms 50.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
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 2025 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

  • FISV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • The Earnings Per Share has been growing by 14.35% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.60% in the past year.
  • FISV shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.37% yearly.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%

3.2 Future

  • Based on estimates for the next years, FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.46% on average per year.
  • FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.60% yearly.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.2%
Revenue Next 2Y3.25%
Revenue Next 3Y3.26%
Revenue Next 5Y3.6%

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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FISV Yearly Revenue VS EstimatesFISV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
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 6.80, the valuation of FISV can be described as very cheap.
  • Based on the Price/Earnings ratio, FISV is valued cheaper than 83.67% of the companies in the same industry.
  • FISV is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • FISV is valuated cheaply with a Price/Forward Earnings ratio of 7.04.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FISV indicates a somewhat cheap valuation: FISV is cheaper than 73.47% of the companies listed in the same industry.
  • FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.8
Fwd PE 7.04
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

  • FISV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FISV is cheaper than 84.69% of the companies in the same industry.
  • 81.63% of the companies in the same industry are more expensive than FISV, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.35
EV/EBITDA 6.92
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

  • The excellent profitability rating of FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.47
EPS Next 2Y3.86%
EPS Next 3Y4.26%

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for FISV!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FISERV INC

NASDAQ:FISV (2/23/2026, 12:18:08 PM)

58.785

-2.69 (-4.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners92.77%
Inst Owner Change-5.72%
Ins Owners0.13%
Ins Owner Change38.67%
Market Cap31.62B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target93.82 (59.6%)
Short Float %3.14%
Short Ratio1.6
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)1
Avg EPS beat(2)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)3.91%
Revenue beat(8)5
Avg Revenue beat(8)0.78%
Revenue beat(12)9
Avg Revenue beat(12)1.82%
Revenue beat(16)13
Avg Revenue beat(16)2.67%
PT rev (1m)-0.8%
PT rev (3m)-4.95%
EPS NQ rev (1m)-9.39%
EPS NQ rev (3m)-9.82%
EPS NY rev (1m)-1.22%
EPS NY rev (3m)-10.67%
Revenue NQ rev (1m)-1.35%
Revenue NQ rev (3m)-1.71%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-2.87%
Valuation
Industry RankSector Rank
PE 6.8
Fwd PE 7.04
P/S 1.49
P/FCF 7.35
P/OCF 5.22
P/B 1.23
P/tB N/A
EV/EBITDA 6.92
EPS(TTM)8.64
EY14.7%
EPS(NY)8.35
Fwd EY14.21%
FCF(TTM)7.99
FCFY13.6%
OCF(TTM)11.27
OCFY19.17%
SpS39.4
BVpS47.95
TBVpS-41.04
PEG (NY)N/A
PEG (5Y)0.47
Graham Number96.55
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 250
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z N/A
F-Score5
WACC7.93%
ROIC/WACC1.07
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%
Revenue Next Year2.2%
Revenue Next 2Y3.25%
Revenue Next 3Y3.26%
Revenue Next 5Y3.6%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year21.11%
EBIT Next 3Y8.72%
EBIT Next 5Y6.3%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

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 3 / 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 -3.32% in the next year.