FISERV INC (FISV) Fundamental Analysis & Valuation

NASDAQ:FISV • US3377381088

Current stock price

53.9 USD
-1.64 (-2.95%)
At close:
53.73 USD
-0.17 (-0.32%)
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

  • 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.
  • Each year in the past 5 years FISV had a positive operating cash flow.
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 74.00% 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 69.00% of its industry peers.
  • FISV's Return On Invested Capital of 8.45% is fine compared to the rest of the industry. FISV outperforms 80.00% 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 8.07%.
  • 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

  • Looking at the Profit Margin, with a value of 16.42%, FISV is in the better half of the industry, outperforming 66.00% of the companies in the same industry.
  • FISV's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 26.89%, FISV is in the better half of the industry, outperforming 76.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FISV has grown nicely.
  • FISV has a Gross Margin of 59.36%. This is in the better half of the industry: FISV outperforms 74.00% 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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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.
  • Compared to 1 year ago, FISV has less shares outstanding
  • The number of shares outstanding for FISV has been reduced compared to 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 1.30, we must say that FISV is in the distress zone and has some risk of bankruptcy.
  • FISV's Altman-Z score of 1.30 is fine compared to the rest of the industry. FISV outperforms 68.00% 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's Debt to FCF ratio of 6.75 is in line compared to the rest of the industry. FISV outperforms 60.00% 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.
  • FISV's Debt to Equity ratio of 1.08 is in line compared to the rest of the industry. FISV outperforms 44.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.3
ROIC/WACC1.16
WACC7.3%
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.
  • FISV has a Current ratio of 1.03. This is comparable to the rest of the industry: FISV outperforms 52.00% 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.
  • The Quick ratio of FISV (1.03) is comparable to the rest of the 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

  • 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.
  • Measured over the past years, FISV shows a small growth in Revenue. The Revenue has been growing by 7.37% on average per year.
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

  • The Earnings Per Share is expected to grow by 13.22% on average over the next years. This is quite good.
  • 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-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue Next Year2.06%
Revenue Next 2Y2.99%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%

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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8

4. FISV Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.24, the valuation of FISV can be described as very cheap.
  • Based on the Price/Earnings ratio, FISV is valued cheaply inside the industry as 83.00% of the companies are valued more expensively.
  • FISV is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • FISV is valuated cheaply with a Price/Forward Earnings ratio of 6.51.
  • 79.00% of the companies in the same industry are more expensive than FISV, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FISV to the average of the S&P500 Index (22.19), we can say FISV is valued rather cheaply.
Industry RankSector Rank
PE 6.24
Fwd PE 6.51
FISV Price Earnings VS Forward Price EarningsFISV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FISV is valued cheaper than 83.00% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FISV is valued cheaply inside the industry as 85.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.7
EV/EBITDA 6.44
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)0.43
EPS Next 2Y3.31%
EPS Next 3Y5.46%

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

0

5. FISV Dividend Analysis

5.1 Amount

  • FISV does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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FISV Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

NASDAQ:FISV (3/27/2026, 8:17:20 PM)

After market: 53.73 -0.17 (-0.32%)

53.9

-1.64 (-2.95%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners93.69%
Inst Owner Change-5.65%
Ins Owners0.27%
Ins Owner Change37.79%
Market Cap28.82B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.1
Price Target81.84 (51.84%)
Short Float %2.55%
Short Ratio1.52
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)-5.98%
PT rev (3m)-16.41%
EPS NQ rev (1m)-1.66%
EPS NQ rev (3m)-11.28%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-3.09%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-1.77%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 6.24
Fwd PE 6.51
P/S 1.36
P/FCF 6.7
P/OCF 4.75
P/B 1.12
P/tB N/A
EV/EBITDA 6.44
EPS(TTM)8.64
EY16.03%
EPS(NY)8.28
Fwd EY15.37%
FCF(TTM)8.04
FCFY14.91%
OCF(TTM)11.34
OCFY21.03%
SpS39.63
BVpS48.23
TBVpS-41.27
PEG (NY)N/A
PEG (5Y)0.43
Graham Number96.83
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 1.3
F-Score5
WACC7.3%
ROIC/WACC1.16
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-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%
Revenue Next Year2.06%
Revenue Next 2Y2.99%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.43%
EBIT Next 3Y7.11%
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.


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 4 / 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 -4.12% in the next year.