FISERV INC (FISV) Fundamental Analysis & Valuation

NASDAQ:FISV • US3377381088

Current stock price

57.57 USD
+0.83 (+1.46%)
At close:
57.57 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

  • In the past year FISV was profitable.
  • In the past year FISV had a positive cash flow from operations.
  • 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's Return On Assets of 4.34% is fine compared to the rest of the industry. FISV outperforms 73.47% of its industry peers.
  • The Return On Equity of FISV (13.49%) is better than 69.39% of its industry peers.
  • With a decent Return On Invested Capital value of 8.45%, FISV is doing good in the industry, outperforming 79.59% of the companies in the same industry.
  • 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 8.26%.
  • 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 65.31% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FISV has grown nicely.
  • Looking at the Operating Margin, with a value of 26.89%, FISV is in the better half of the industry, outperforming 75.51% of the companies in the same industry.
  • FISV's Operating Margin has improved in the last couple of years.
  • FISV has a better Gross Margin (59.36%) than 73.47% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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
  • 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 1.32, 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 1.32, FISV is in the better half of the industry, outperforming 66.33% 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 comparable to the rest of the industry: FISV outperforms 53.06% 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.
  • FISV has a Debt to Equity ratio (1.08) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.32
ROIC/WACC1.07
WACC7.88%
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

  • 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.
  • Looking at the Current ratio, with a value of 1.03, FISV is in line with its industry, outperforming 51.02% of the companies in the same industry.
  • 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.
  • FISV has a Quick ratio of 1.03. This is comparable to the rest of the industry: FISV outperforms 51.02% of its industry peers.
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%.
  • FISV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.35% yearly.
  • 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.
  • Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 3.88% on average per year.
EPS Next Y-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue Next Year1.85%
Revenue Next 2Y2.98%
Revenue Next 3Y3.12%
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.
  • 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 15

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Find the best growth stocksShow best growing peers

8

4. FISV Valuation Analysis

4.1 Price/Earnings Ratio

  • FISV is valuated cheaply with a Price/Earnings ratio of 6.66.
  • Compared to the rest of the industry, the Price/Earnings ratio of FISV indicates a rather cheap valuation: FISV is cheaper than 81.63% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 25.71, FISV is valued rather cheaply.
  • A Price/Forward Earnings ratio of 6.95 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 75.51% of the companies are valued more expensively.
  • FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.66
Fwd PE 6.95
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

  • 83.67% of the companies in the same industry are more expensive than FISV, based on the Enterprise Value to EBITDA ratio.
  • 83.67% 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 7.16
EV/EBITDA 6.61
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)0.46
EPS Next 2Y3.31%
EPS Next 3Y5.46%

More info and screens

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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Find the best dividend stocksShow peers with best dividend

FISV Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

NASDAQ:FISV (3/16/2026, 4:37:10 PM)

After market: 57.57 0 (0%)

57.57

+0.83 (+1.46%)

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 Cap30.79B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.1
Price Target87.04 (51.19%)
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)-7.22%
PT rev (3m)-11.49%
EPS NQ rev (1m)-10.53%
EPS NQ rev (3m)-10.95%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-3.14%
Revenue NQ rev (1m)-1.88%
Revenue NQ rev (3m)-2.23%
Revenue NY rev (1m)-0.37%
Revenue NY rev (3m)-1.11%
Valuation
Industry RankSector Rank
PE 6.66
Fwd PE 6.95
P/S 1.45
P/FCF 7.16
P/OCF 5.08
P/B 1.19
P/tB N/A
EV/EBITDA 6.61
EPS(TTM)8.64
EY15.01%
EPS(NY)8.28
Fwd EY14.39%
FCF(TTM)8.04
FCFY13.96%
OCF(TTM)11.34
OCFY19.69%
SpS39.63
BVpS48.23
TBVpS-41.27
PEG (NY)N/A
PEG (5Y)0.46
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 1.32
F-Score5
WACC7.88%
ROIC/WACC1.07
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 Year1.85%
Revenue Next 2Y2.98%
Revenue Next 3Y3.12%
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.