FISERV INC (FISV) Stock Fundamental Analysis

NASDAQ:FISV • US3377381088

58.82 USD
-3.29 (-5.3%)
At close: Feb 12, 2026
59 USD
+0.18 (+0.31%)
After Hours: 2/12/2026, 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 96 industry peers in the Financial Services industry. FISV scores excellent on profitability, but there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FISV.


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.
  • Each year in the past 5 years FISV has been profitable.
  • 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 73.96% of the companies in the same industry.
  • FISV has a Return On Equity of 13.49%. This is in the better half of the industry: FISV outperforms 70.83% of its industry peers.
  • The Return On Invested Capital of FISV (8.45%) is better than 79.17% of its industry peers.
  • FISV had an Average Return On Invested Capital over the past 3 years of 8.12%. This is in line with the industry average of 8.59%.
  • 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 62.50% of its industry peers.
  • FISV's Profit Margin has improved in the last couple of years.
  • FISV has a better Operating Margin (26.89%) than 73.96% of its industry peers.
  • FISV's Operating Margin has improved in the last couple of years.
  • FISV has a better Gross Margin (59.36%) than 72.92% of its industry peers.
  • In the last couple of years the Gross Margin of FISV has grown nicely.
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

  • With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FISV is creating some value.
  • The number of shares outstanding for FISV has been reduced compared to 1 year ago.
  • FISV has less shares outstanding than it did 5 years ago.
  • 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 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

  • FISV has a debt to FCF ratio of 6.75. This is a slightly negative value and a sign of low solvency as FISV would need 6.75 years to pay back of all of its debts.
  • FISV has a Debt to FCF ratio of 6.75. This is comparable to the rest of the industry: FISV outperforms 55.21% of its industry peers.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that FISV has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.08, FISV is in line with its industry, outperforming 41.67% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z N/A
ROIC/WACC1.03
WACC8.24%
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

  • A Current Ratio of 1.03 indicates that FISV should not have too much problems paying its short term obligations.
  • The Current ratio of FISV (1.03) is comparable to the rest of the industry.
  • A Quick Ratio of 1.03 indicates that FISV should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.03, FISV is in line with its industry, outperforming 50.00% of the companies in the same industry.
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%.
  • Measured over the past years, FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.35% on average per year.
  • 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.
  • Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 3.97% on average per year.
EPS Next Y-3.32%
EPS Next 2Y3.86%
EPS Next 3Y4.26%
EPS Next 5Y12.46%
Revenue Next Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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 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

  • The Price/Earnings ratio is 6.81, which indicates a rather cheap valuation of FISV.
  • Based on the Price/Earnings ratio, FISV is valued cheaper than 86.46% of the companies in the same industry.
  • FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • The Price/Forward Earnings ratio is 7.04, which indicates a rather cheap valuation of FISV.
  • 75.00% of the companies in the same industry are more expensive than FISV, based on the Price/Forward Earnings ratio.
  • FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.81
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

  • Based on the Enterprise Value to EBITDA ratio, FISV is valued cheaper than 83.33% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FISV is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.36
EV/EBITDA 6.95
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)0.47
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%

More info and screens

Find the best dividend stocksShow peers with best dividend

FISERV INC

NASDAQ:FISV (2/12/2026, 8:00:00 PM)

After market: 59 +0.18 (+0.31%)

58.82

-3.29 (-5.3%)

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-4.69%
Ins Owners0.13%
Ins Owner Change10.01%
Market Cap31.64B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts70
Price Target93.82 (59.5%)
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)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)-4.17%
PT rev (3m)-30.9%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-31.67%
EPS NY rev (1m)-0.47%
EPS NY rev (3m)-9.16%
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 6.81
Fwd PE 7.04
P/S 1.49
P/FCF 7.36
P/OCF 5.22
P/B 1.23
P/tB N/A
EV/EBITDA 6.95
EPS(TTM)8.64
EY14.69%
EPS(NY)8.35
Fwd EY14.2%
FCF(TTM)7.99
FCFY13.59%
OCF(TTM)11.27
OCFY19.16%
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
WACC8.24%
ROIC/WACC1.03
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 Year2.21%
Revenue Next 2Y3.19%
Revenue Next 3Y4.46%
Revenue Next 5Y3.97%
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.