67.5 USD
-0.45 (-0.66%)
67.4 USD
-0.1 (-0.15%)
We assign a fundamental rating of 6 out of 10 to FISV. FISV was compared to 99 industry peers in the Financial Services industry. While FISV has a great profitability rating, there are some minor concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on FISV.
1. Profitability
1.1 Basic Checks
In the past year FISV was profitable.
FISV had a positive operating cash flow in the past year.
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.
1.2 Ratios
The Return On Assets of FISV (4.54%) is better than 73.74% of its industry peers.
The Return On Equity of FISV (14.36%) is better than 74.75% of its industry peers.
FISV has a better Return On Invested Capital (8.87%) than 79.80% 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 8.44%.
The last Return On Invested Capital (8.87%) for FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
FISV has a better Profit Margin (17.05%) than 64.65% of its industry peers.
In the last couple of years the Profit Margin of FISV has grown nicely.
The Operating Margin of FISV (28.72%) is better than 75.76% of its industry peers.
FISV's Operating Margin has improved in the last couple of years.
FISV's Gross Margin of 60.48% is fine compared to the rest of the industry. FISV outperforms 74.75% of its industry peers.
In the last couple of years the Gross Margin of FISV has grown nicely.
| Industry Rank | Sector 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%
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.
2.2 Solvency
Based on the Altman-Z score of 1.41, we must say that FISV is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of FISV (1.41) is better than 65.66% of its industry peers.
The Debt to FCF ratio of FISV is 6.54, which is on the high side as it means it would take FISV, 6.54 years of fcf income to pay off 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 61.62% of the companies in the same industry.
FISV has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
FISV has a Debt to Equity ratio of 1.15. This is comparable to the rest of the industry: FISV outperforms 42.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.29
WACC6.88%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
FISV has a Current ratio (1.08) which is in line with its industry peers.
A Quick Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
The Quick ratio of FISV (1.08) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
FISV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
The Revenue has been growing by 14.96% on average over the past years. This is quite good.
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
FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.57% yearly.
The Revenue is expected to grow by 6.09% on average over the next years.
EPS Next Y-0.6%
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
EPS Next 5Y11.57%
Revenue Next Year3.86%
Revenue Next 2Y3.14%
Revenue Next 3Y3.4%
Revenue Next 5Y6.09%
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past 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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.37, the valuation of FISV can be described as very cheap.
83.84% of the companies in the same industry are more expensive than FISV, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.57, FISV is valued rather cheaply.
The Price/Forward Earnings ratio is 7.89, which indicates a rather cheap valuation of FISV.
69.70% of the companies in the same industry are more expensive than FISV, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.37 | ||
| Fwd PE | 7.89 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FISV is valued cheaper than 85.86% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FISV is valued cheaply inside the industry as 84.85% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.86 | ||
| EV/EBITDA | 6.96 |
4.3 Compensation for Growth
The excellent profitability rating of FISV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
5. Dividend
5.1 Amount
FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
67.5
-0.45 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner Change3.63%
Ins Owners0.1%
Ins Owner Change3.82%
Market Cap36.30B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target97.9 (45.04%)
Short Float %1.51%
Short Ratio1.13
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)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)-27.57%
PT rev (3m)-27.57%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-31.21%
EPS NY rev (1m)-3.68%
EPS NY rev (3m)-8.74%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.24%
Revenue NY rev (1m)-0.96%
Revenue NY rev (3m)-3.71%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.37 | ||
| Fwd PE | 7.89 | ||
| P/S | 1.72 | ||
| P/FCF | 7.86 | ||
| P/OCF | 5.73 | ||
| P/B | 1.45 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.96 |
EPS(TTM)9.16
EY13.57%
EPS(NY)8.55
Fwd EY12.67%
FCF(TTM)8.59
FCFY12.72%
OCF(TTM)11.79
OCFY17.46%
SpS39.34
BVpS46.71
TBVpS-41.81
PEG (NY)N/A
PEG (5Y)0.4
Graham Number98.11
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.41 |
F-Score7
WACC6.88%
ROIC/WACC1.29
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-0.6%
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
EPS Next 5Y11.57%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-5.68%
Revenue Next Year3.86%
Revenue Next 2Y3.14%
Revenue Next 3Y3.4%
Revenue Next 5Y6.09%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.3%
EBIT Next 3Y7.99%
EBIT Next 5Y9.8%
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 6 / 10 to FISV.
What is the valuation status of FISERV INC (FISV) stock?
ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FISV). This can be considered as Undervalued.
What is the profitability of 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 7.37 and the Price/Book (PB) ratio is 1.45.