FISERV INC (FISV) Fundamental Analysis & Valuation
NASDAQ:FISV • US3377381088
Current stock price
60.7194 USD
-0.83 (-1.35%)
Last:
This FISV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. FISV Profitability Analysis
1.1 Basic Checks
- FISV had positive earnings in the past year.
- In the past year FISV had a positive cash flow from operations.
- Each year in the past 5 years FISV has been profitable.
- FISV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- FISV has a Return On Assets of 4.34%. This is in the better half of the industry: FISV outperforms 74.75% of its industry peers.
- FISV's Return On Equity of 13.49% is fine compared to the rest of the industry. FISV outperforms 66.67% of its industry peers.
- The Return On Invested Capital of FISV (8.45%) is better than 78.79% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FISV is in line with the industry average of 8.00%.
- 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 Rank | Sector 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%
1.3 Margins
- FISV has a Profit Margin of 16.42%. This is in the better half of the industry: FISV outperforms 66.67% of its industry peers.
- In the last couple of years the Profit Margin of FISV has grown nicely.
- FISV has a better Operating Margin (26.89%) than 75.76% of its industry peers.
- In the last couple of years the Operating Margin of FISV has grown nicely.
- Looking at the Gross Margin, with a value of 59.36%, FISV is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
- In the last couple of years the Gross Margin of FISV has grown nicely.
| Industry Rank | Sector 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%
2. FISV Health Analysis
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.
- Compared to 5 years ago, FISV has less shares outstanding
- The debt/assets ratio for FISV is higher compared to a year ago.
2.2 Solvency
- Based on the Altman-Z score of 1.35, we must say that FISV is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of FISV (1.35) is better than 63.64% of its industry peers.
- 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 better Debt to FCF ratio (6.75) than 60.61% 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 44.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 6.75 | ||
| Altman-Z | 1.35 |
ROIC/WACC1.18
WACC7.13%
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.
- With a Current ratio value of 1.03, FISV perfoms like the industry average, outperforming 52.53% of the companies in the same industry.
- A Quick Ratio of 1.03 indicates that FISV should not have too much problems paying its short term obligations.
- FISV has a Quick ratio (1.03) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 |
3. FISV Growth Analysis
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.
- Looking at the last year, FISV shows a small growth in Revenue. The Revenue has grown by 3.60% in the last 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
- FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.22% yearly.
- FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.88% yearly.
EPS Next Y-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y13.22%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.88%
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.
4. FISV Valuation Analysis
4.1 Price/Earnings Ratio
- FISV is valuated cheaply with a Price/Earnings ratio of 7.03.
- FISV's Price/Earnings ratio is a bit cheaper when compared to the industry. FISV is cheaper than 79.80% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 27.47, FISV is valued rather cheaply.
- The Price/Forward Earnings ratio is 7.34, which indicates a rather cheap valuation of FISV.
- Based on the Price/Forward Earnings ratio, FISV is valued a bit cheaper than the industry average as 74.75% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 22.62, FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 7.34 |
4.2 Price Multiples
- FISV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FISV is cheaper than 81.82% of the companies in the same industry.
- FISV's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FISV is cheaper than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.53 | ||
| EV/EBITDA | 6.89 |
4.3 Compensation for Growth
- The excellent profitability rating of FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.49
EPS Next 2Y3.22%
EPS Next 3Y5.49%
5. FISV Dividend Analysis
5.1 Amount
- No dividends for FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FISV Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:FISV (4/24/2026, 2:41:07 PM)
60.7194
-0.83 (-1.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10 2026-02-10/bmo
Earnings (Next)04-28 2026-04-28/bmo
Inst Owners93.65%
Inst Owner Change0.07%
Ins Owners0.1%
Ins Owner Change37.79%
Market Cap32.36B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target77.42 (27.5%)
Short Float %2.82%
Short Ratio1.91
Dividend
| Industry Rank | Sector 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)-11.05%
PT rev (3m)-18.14%
EPS NQ rev (1m)-0.12%
EPS NQ rev (3m)-11.57%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-3.2%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-1.87%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.03 | ||
| Fwd PE | 7.34 | ||
| P/S | 1.53 | ||
| P/FCF | 7.53 | ||
| P/OCF | 5.34 | ||
| P/B | 1.25 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.89 |
EPS(TTM)8.64
EY14.23%
EPS(NY)8.27
Fwd EY13.63%
FCF(TTM)8.07
FCFY13.28%
OCF(TTM)11.37
OCFY18.73%
SpS39.76
BVpS48.39
TBVpS-41.41
PEG (NY)N/A
PEG (5Y)0.49
Graham Number96.99 (59.73%)
Profitability
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 6.75 | ||
| Debt/EBITDA | 3.13 | ||
| Cap/Depr | 55.77% | ||
| Cap/Sales | 8.32% | ||
| Interest Coverage | 4.05 | ||
| Cash Conversion | 68.43% | ||
| Profit Quality | 123.53% | ||
| Current Ratio | 1.03 | ||
| Quick Ratio | 1.03 | ||
| Altman-Z | 1.35 |
F-Score5
WACC7.13%
ROIC/WACC1.18
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-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y13.22%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.88%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.74%
EBIT Next 3Y7.07%
EBIT Next 5Y6.45%
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 Fundamental Analysis 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.
How profitable is FISERV INC (FISV) stock?
FISERV INC (FISV) has a profitability rating of 8 / 10.
Can you provide the PE and PB ratios for FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (FISV) is 7.03 and the Price/Book (PB) ratio is 1.25.
What is the expected EPS growth for FISERV INC (FISV) stock?
The Earnings per Share (EPS) of FISERV INC (FISV) is expected to decline by -4.23% in the next year.