FISERV INC (FISV) Fundamental Analysis & Valuation

NASDAQ:FISV • US3377381088

Current stock price

62.02 USD
+0.42 (+0.68%)
At close:
62.02 USD
0 (0%)
After Hours:

This FISV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. FISV Profitability Analysis

1.1 Basic Checks

  • FISV had positive earnings in the past year.
  • FISV had a positive operating cash flow in the past year.
  • 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

  • FISV has a Return On Assets of 4.34%. This is in the better half of the industry: FISV outperforms 75.00% of its industry peers.
  • FISV has a better Return On Equity (13.49%) than 67.00% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 8.45%, FISV is in the better half of the industry, outperforming 80.00% 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 7.97%.
  • 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 67.00% 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 76.00% of its industry peers.
  • FISV's Operating Margin has improved in the last couple of years.
  • FISV's Gross Margin of 59.36% is fine compared to the rest of the industry. FISV outperforms 73.00% 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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4

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.
  • FISV has less shares outstanding than it did 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

  • 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.
  • Looking at the Altman-Z score, with a value of 1.35, FISV is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
  • 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 in the better half of the industry: FISV outperforms 61.00% of its industry peers.
  • FISV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of FISV (1.08) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.35
ROIC/WACC1.22
WACC6.9%
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.
  • With a Quick ratio value of 1.03, FISV perfoms like the industry average, outperforming 51.00% 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. FISV Growth Analysis

3.1 Past

  • The earnings per share for FISV have decreased by -2.04% in the last year.
  • FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.35% yearly.
  • The Revenue has been growing slightly by 3.60% in the past year.
  • The Revenue has been growing slightly by 7.37% on average over the past years.
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 11.33% yearly.
  • Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 3.80% on average per year.
EPS Next Y-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y11.33%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.8%

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.
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

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8

4. FISV Valuation Analysis

4.1 Price/Earnings Ratio

  • FISV is valuated cheaply with a Price/Earnings ratio of 7.18.
  • 79.00% of the companies in the same industry are more expensive than FISV, based on the Price/Earnings ratio.
  • FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.91.
  • The Price/Forward Earnings ratio is 7.50, which indicates a rather cheap valuation of FISV.
  • FISV's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. FISV is cheaper than 75.00% of the companies in the same industry.
  • FISV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.99.
Industry RankSector Rank
PE 7.18
Fwd PE 7.5
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 83.00% of the companies in the same industry.
  • 85.00% 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 7.69
EV/EBITDA 6.89
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)0.5
EPS Next 2Y3.22%
EPS Next 3Y5.49%

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

0

5. FISV Dividend Analysis

5.1 Amount

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

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FISV Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

NASDAQ:FISV (4/29/2026, 4:30:01 PM)

After market: 62.02 0 (0%)

62.02

+0.42 (+0.68%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength27.33
Industry Growth80.12
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners93.65%
Inst Owner Change0.13%
Ins Owners0.1%
Ins Owner Change37.79%
Market Cap33.06B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target77.42 (24.83%)
Short Float %3.03%
Short Ratio2.43
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)-11.05%
PT rev (3m)-18.14%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)-11.52%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-2.15%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 7.18
Fwd PE 7.5
P/S 1.56
P/FCF 7.69
P/OCF 5.45
P/B 1.28
P/tB N/A
EV/EBITDA 6.89
EPS(TTM)8.64
EY13.93%
EPS(NY)8.27
Fwd EY13.34%
FCF(TTM)8.07
FCFY13%
OCF(TTM)11.37
OCFY18.34%
SpS39.76
BVpS48.39
TBVpS-41.41
PEG (NY)N/A
PEG (5Y)0.5
Graham Number96.99 (56.39%)
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 4.05
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 1.35
F-Score5
WACC6.9%
ROIC/WACC1.22
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 5Y11.33%
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 5Y3.8%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.74%
EBIT Next 3Y7.07%
EBIT Next 5Y6.16%
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 7.18 and the Price/Book (PB) ratio is 1.28.


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.