FISERV INC (FISV) Stock Fundamental Analysis
USA - NASDAQ:FISV - US3377381088 - Common Stock
114.23 USD
+2 (+1.78%)
114.65 USD
+0.42 (+0.37%)
Taking everything into account, FISV scores 5 out of 10 in our fundamental rating. FISV was compared to 99 industry peers in the Financial Services industry. Both the profitability and the financial health of FISV get a neutral evaluation. Nothing too spectacular is happening here. FISV has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year FISV was profitable.
In the past year FISV had a positive cash flow from operations.
In the past 5 years FISV has always been profitable.
FISV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FISV (3.17%) is better than 74.49% of its industry peers.
FISV has a Return On Equity of 8.06%. This is comparable to the rest of the industry: FISV outperforms 57.14% of its industry peers.
FISV has a better Return On Invested Capital (5.42%) than 77.55% of its industry peers.
FISV had an Average Return On Invested Capital over the past 3 years of 3.43%. This is below the industry average of 7.79%.
The 3 year average ROIC (3.43%) for FISV is below the current ROIC(5.42%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.17% | ||
| ROE | 8.06% | ||
| ROIC | 5.42% |
ROA(3y)2.02%
ROA(5y)3.55%
ROE(3y)5.16%
ROE(5y)13.99%
ROIC(3y)3.43%
ROIC(5y)5.11%
1.3 Margins
The Profit Margin of FISV (13.36%) is better than 66.33% of its industry peers.
FISV's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 21.71%, FISV is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
In the last couple of years the Operating Margin of FISV has declined.
FISV's Gross Margin of 55.78% is fine compared to the rest of the industry. FISV outperforms 79.59% of its industry peers.
In the last couple of years the Gross Margin of FISV has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.71% | ||
| PM (TTM) | 13.36% | ||
| GM | 55.78% |
OM growth 3Y8.98%
OM growth 5Y-4.83%
PM growth 3Y17.62%
PM growth 5Y-8.2%
GM growth 3Y4.35%
GM growth 5Y3.21%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FISV is destroying value.
Compared to 1 year ago, FISV has less shares outstanding
FISV has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.67, we must say that FISV is in the distress zone and has some risk of bankruptcy.
FISV has a Altman-Z score of 1.67. This is in the better half of the industry: FISV outperforms 70.41% of its industry peers.
FISV has a debt to FCF ratio of 6.50. This is a slightly negative value and a sign of low solvency as FISV would need 6.50 years to pay back of all of its debts.
The Debt to FCF ratio of FISV (6.50) is better than 66.33% of its industry peers.
FISV has a Debt/Equity ratio of 0.73. This is a neutral value indicating FISV is somewhat dependend on debt financing.
FISV has a Debt to Equity ratio of 0.73. This is comparable to the rest of the industry: FISV outperforms 44.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 6.5 | ||
| Altman-Z | 1.67 |
ROIC/WACC0.73
WACC7.41%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
The Current ratio of FISV (1.08) is comparable to the rest of the industry.
FISV has a Quick Ratio of 1.08. 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 (1.08) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.97% over the past year.
Measured over the past years, FISV shows a very strong growth in Earnings Per Share. The EPS has been growing by 20.49% on average per year.
The Revenue has grown by 9.25% in the past year. This is quite good.
Measured over the past years, FISV shows a very strong growth in Revenue. The Revenue has been growing by 25.51% on average per year.
EPS 1Y (TTM)14.97%
EPS 3Y19.49%
EPS 5Y20.49%
EPS Q2Q%12.86%
Revenue 1Y (TTM)9.25%
Revenue growth 3Y20.3%
Revenue growth 5Y25.51%
Sales Q2Q%9.88%
3.2 Future
The Earnings Per Share is expected to grow by 10.52% 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 7.27% yearly.
EPS Next Y15.18%
EPS Next 2Y14.42%
EPS Next 3Y13.91%
EPS Next 5Y10.52%
Revenue Next Year6.97%
Revenue Next 2Y7.36%
Revenue Next 3Y7.27%
Revenue Next 5YN/A
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
A Price/Earnings ratio of 17.10 indicates a rather expensive valuation of FISV.
FISV's Price/Earnings is on the same level as the industry average.
FISV is valuated rather cheaply when we compare the Price/Earnings ratio to 26.91, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.42, which indicates a correct valuation of FISV.
FISV's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FISV to the average of the S&P500 Index (22.92), we can say FISV is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 13.42 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FISV is valued a bit cheaper than 71.43% of the companies in the same industry.
62.24% of the companies in the same industry are more expensive than FISV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.52 | ||
| EV/EBITDA | 12.69 |
4.3 Compensation for Growth
FISV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of FISV may justify a higher PE ratio.
FISV's earnings are expected to grow with 13.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.13
PEG (5Y)0.83
EPS Next 2Y14.42%
EPS Next 3Y13.91%
5. Dividend
5.1 Amount
No dividends for FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
114.23
+2 (+1.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners82.48%
Inst Owner Change0.12%
Ins Owners0.77%
Ins Owner Change0%
Market Cap70.71B
Revenue(TTM)18.15B
Net Income(TTM)2.42B
Analysts78.54
Price Target135.78 (18.87%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-1.46%
Min EPS beat(2)-1.67%
Max EPS beat(2)-1.26%
EPS beat(4)0
Avg EPS beat(4)-2.64%
Min EPS beat(4)-5.86%
Max EPS beat(4)-1.26%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.5%
Min Revenue beat(2)4.56%
Max Revenue beat(2)6.44%
Revenue beat(4)4
Avg Revenue beat(4)5.4%
Min Revenue beat(4)3.55%
Max Revenue beat(4)7.05%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.46%
PT rev (3m)4.39%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)-0.21%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0.39%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 13.42 | ||
| P/S | 3.9 | ||
| P/FCF | 20.52 | ||
| P/OCF | 14.33 | ||
| P/B | 2.35 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.69 |
EPS(TTM)6.68
EY5.85%
EPS(NY)8.51
Fwd EY7.45%
FCF(TTM)5.57
FCFY4.87%
OCF(TTM)7.97
OCFY6.98%
SpS29.32
BVpS48.59
TBVpS-30.59
PEG (NY)1.13
PEG (5Y)0.83
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.17% | ||
| ROE | 8.06% | ||
| ROCE | N/A | ||
| ROIC | 5.42% | ||
| ROICexc | 5.7% | ||
| ROICexgc | 52.06% | ||
| OM | 21.71% | ||
| PM (TTM) | 13.36% | ||
| GM | 55.78% | ||
| FCFM | N/A |
ROA(3y)2.02%
ROA(5y)3.55%
ROE(3y)5.16%
ROE(5y)13.99%
ROIC(3y)3.43%
ROIC(5y)5.11%
ROICexc(3y)3.49%
ROICexc(5y)5.27%
ROICexgc(3y)28.11%
ROICexgc(5y)44.91%
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y30.56%
ROICexgc growth 5Y-29.03%
ROICexc growth 3Y34.38%
ROICexc growth 5Y-19.22%
OM growth 3Y8.98%
OM growth 5Y-4.83%
PM growth 3Y17.62%
PM growth 5Y-8.2%
GM growth 3Y4.35%
GM growth 5Y3.21%
F-Score8
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 6.5 | ||
| Debt/EBITDA | 3.16 | ||
| Cap/Depr | 47.13% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.16% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.67 |
F-Score8
WACC7.41%
ROIC/WACC0.73
Cap/Depr(3y)37%
Cap/Depr(5y)43.88%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)226.15%
Profit Quality(5y)202.11%
High Growth Momentum
Growth
EPS 1Y (TTM)14.97%
EPS 3Y19.49%
EPS 5Y20.49%
EPS Q2Q%12.86%
EPS Next Y15.18%
EPS Next 2Y14.42%
EPS Next 3Y13.91%
EPS Next 5Y10.52%
Revenue 1Y (TTM)9.25%
Revenue growth 3Y20.3%
Revenue growth 5Y25.51%
Sales Q2Q%9.88%
Revenue Next Year6.97%
Revenue Next 2Y7.36%
Revenue Next 3Y7.27%
Revenue Next 5YN/A
EBIT growth 1Y56.19%
EBIT growth 3Y31.1%
EBIT growth 5Y19.44%
EBIT Next Year35.88%
EBIT Next 3Y17.46%
EBIT Next 5Y10.88%
FCF growth 1Y3.7%
FCF growth 3Y14.81%
FCF growth 5Y20.9%
OCF growth 1Y17.15%
OCF growth 3Y18.22%
OCF growth 5Y25.19%
FISERV INC / FISV FAQ
What is the ChartMill fundamental rating of FISERV INC (FISV) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FISV.
What is the valuation status of FISERV INC (FISV) stock?
ChartMill assigns a valuation rating of 3 / 10 to FISERV INC (FISV). This can be considered as Overvalued.
What is the profitability of FISV stock?
FISERV INC (FISV) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (FISV) is 17.1 and the Price/Book (PB) ratio is 2.35.