FISERV INC (1FISV.MI) Stock Fundamental Analysis
BIT:1FISV - Euronext Milan - US3377381088 - Common Stock - Currency: EUR
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 50 industry peers in the Financial Services industry. While 1FISV has a great profitability rating, there are some minor concerns on its financial health. 1FISV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1FISV was profitable.
1FISV had a positive operating cash flow in the past year.
1FISV had positive earnings in each of the past 5 years.
1FISV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
1FISV's Return On Assets of 4.04% is fine compared to the rest of the industry. 1FISV outperforms 62.00% of its industry peers.
1FISV has a Return On Equity of 12.54%. This is comparable to the rest of the industry: 1FISV outperforms 58.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.85%, 1FISV is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for 1FISV is below the industry average of 11.55%.
The last Return On Invested Capital (8.85%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.04% | ||
| ROE | 12.54% | ||
| ROIC | 8.85% |
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
1FISV has a Profit Margin (15.68%) which is in line with its industry peers.
In the last couple of years the Profit Margin of 1FISV has grown nicely.
1FISV has a Operating Margin of 29.33%. This is in the better half of the industry: 1FISV outperforms 70.00% of its industry peers.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
With a Gross Margin value of 60.97%, 1FISV perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.33% | ||
| PM (TTM) | 15.68% | ||
| GM | 60.97% |
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
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), 1FISV is creating some value.
1FISV has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, 1FISV has less shares outstanding
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.99 indicates that 1FISV is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.99, 1FISV is in line with its industry, outperforming 52.00% of the companies in the same industry.
The Debt to FCF ratio of 1FISV is 5.70, which is a neutral value as it means it would take 1FISV, 5.70 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.70, 1FISV perfoms like the industry average, outperforming 56.00% of the companies in the same industry.
A Debt/Equity ratio of 1.04 is on the high side and indicates that 1FISV has dependencies on debt financing.
1FISV's Debt to Equity ratio of 1.04 is on the low side compared to the rest of the industry. 1FISV is outperformed by 66.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 5.7 | ||
| Altman-Z | 1.99 |
ROIC/WACC1.08
WACC8.21%
2.3 Liquidity
1FISV has a Current Ratio of 1.10. This is a normal value and indicates that 1FISV is financially healthy and should not expect problems in meeting its short term obligations.
1FISV's Current ratio of 1.10 is in line compared to the rest of the industry. 1FISV outperforms 50.00% of its industry peers.
A Quick Ratio of 1.10 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV has a Quick ratio of 1.10. This is comparable to the rest of the industry: 1FISV outperforms 56.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.82%, which is quite good.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
1FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 6.56%.
Measured over the past years, 1FISV shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
EPS 1Y (TTM)15.82%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%13.83%
Revenue 1Y (TTM)6.56%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-1.93%
3.2 Future
The Earnings Per Share is expected to grow by 16.35% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.60% on average over the next years.
EPS Next Y19.09%
EPS Next 2Y17.73%
EPS Next 3Y16.81%
EPS Next 5Y16.35%
Revenue Next Year8.44%
Revenue Next 2Y8.42%
Revenue Next 3Y8.34%
Revenue Next 5Y7.6%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 18.43 indicates a rather expensive valuation of 1FISV.
1FISV's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 27.46. 1FISV is valued slightly cheaper when compared to this.
Based on the Price/Forward Earnings ratio of 13.69, the valuation of 1FISV can be described as correct.
1FISV's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 36.44. 1FISV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.43 | ||
| Fwd PE | 13.69 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1FISV is on the same level as its industry peers.
1FISV's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 18.69 | ||
| EV/EBITDA | 13.09 |
4.3 Compensation for Growth
1FISV's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of 1FISV may justify a higher PE ratio.
1FISV's earnings are expected to grow with 16.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.97
PEG (5Y)1.01
EPS Next 2Y17.73%
EPS Next 3Y16.81%
5. Dividend
5.1 Amount
No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (7/21/2025, 7:00:00 PM)
143.42
+1.62 (+1.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.25%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap79.52B
Analysts83.48
Price Target188.56 (31.47%)
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 YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.81%
Min EPS beat(2)-1.7%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.08%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.86%
EPS beat(12)2
Avg EPS beat(12)-1.77%
EPS beat(16)4
Avg EPS beat(16)-1.28%
Revenue beat(2)0
Avg Revenue beat(2)-4.01%
Min Revenue beat(2)-4.07%
Max Revenue beat(2)-3.95%
Revenue beat(4)1
Avg Revenue beat(4)-2.11%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)2.88%
Revenue beat(8)5
Avg Revenue beat(8)0.18%
Revenue beat(12)9
Avg Revenue beat(12)1.57%
Revenue beat(16)13
Avg Revenue beat(16)2.1%
PT rev (1m)-21.68%
PT rev (3m)-21.68%
EPS NQ rev (1m)-1.3%
EPS NQ rev (3m)-1.3%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)-0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 18.43 | ||
| Fwd PE | 13.69 | ||
| P/S | 4.48 | ||
| P/FCF | 18.69 | ||
| P/OCF | 14.39 | ||
| P/B | 3.58 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.09 |
EPS(TTM)7.78
EY5.42%
EPS(NY)10.48
Fwd EY7.31%
FCF(TTM)7.67
FCFY5.35%
OCF(TTM)9.97
OCFY6.95%
SpS32.01
BVpS40.02
TBVpS-33.39
PEG (NY)0.97
PEG (5Y)1.01
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.04% | ||
| ROE | 12.54% | ||
| ROCE | 10.63% | ||
| ROIC | 8.85% | ||
| ROICexc | 9.04% | ||
| ROICexgc | 59.83% | ||
| OM | 29.33% | ||
| PM (TTM) | 15.68% | ||
| GM | 60.97% | ||
| FCFM | 23.98% |
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%
ROICexcg growth 3Y34.49%
ROICexcg 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-Score8
Asset Turnover0.26
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.04 | ||
| Debt/FCF | 5.7 | ||
| Debt/EBITDA | 2.95 | ||
| Cap/Depr | 48.04% | ||
| Cap/Sales | 7.17% | ||
| Interest Coverage | 4.77 | ||
| Cash Conversion | 70.38% | ||
| Profit Quality | 152.88% | ||
| Current Ratio | 1.1 | ||
| Quick Ratio | 1.1 | ||
| Altman-Z | 1.99 |
F-Score8
WACC8.21%
ROIC/WACC1.08
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)15.82%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%13.83%
EPS Next Y19.09%
EPS Next 2Y17.73%
EPS Next 3Y16.81%
EPS Next 5Y16.35%
Revenue 1Y (TTM)6.56%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-1.93%
Revenue Next Year8.44%
Revenue Next 2Y8.42%
Revenue Next 3Y8.34%
Revenue Next 5Y7.6%
EBIT growth 1Y19.03%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year37.17%
EBIT Next 3Y18.07%
EBIT Next 5Y13.21%
FCF growth 1Y44.05%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y30.71%
OCF growth 3Y18.02%
OCF growth 5Y18.86%