FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - BIT:1FISV - US3377381088 - Common Stock
110.16 EUR
-2.18 (-1.94%)
1FISV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 47 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 valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
1FISV had positive earnings in the past year.
1FISV had a positive operating cash flow in the past year.
In the past 5 years 1FISV has always been profitable.
In the past 5 years 1FISV always reported a positive cash flow from operatings.
1.2 Ratios
1FISV has a Return On Assets of 4.14%. This is in the better half of the industry: 1FISV outperforms 70.21% of its industry peers.
Looking at the Return On Equity, with a value of 13.40%, 1FISV is in the better half of the industry, outperforming 68.09% of the companies in the same industry.
1FISV has a Return On Invested Capital of 9.23%. This is in the better half of the industry: 1FISV outperforms 72.34% of its industry peers.
1FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 9.94%.
The last Return On Invested Capital (9.23%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROIC | 9.23% |
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
Looking at the Profit Margin, with a value of 16.01%, 1FISV is in the better half of the industry, outperforming 63.83% of the companies in the same industry.
1FISV's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 30.05%, 1FISV is in the better half of the industry, outperforming 74.47% of the companies in the same industry.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV has a Gross Margin (61.14%) which is comparable to the rest of the industry.
1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% |
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
1FISV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for 1FISV has been reduced compared to 1 year ago.
1FISV has less shares outstanding than it did 5 years ago.
The debt/assets ratio for 1FISV is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of 1FISV is 5.74, which is a neutral value as it means it would take 1FISV, 5.74 years of fcf income to pay off all of its debts.
1FISV has a better Debt to FCF ratio (5.74) than 63.83% of its industry peers.
1FISV has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.11, 1FISV is doing worse than 68.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.18
WACC7.84%
2.3 Liquidity
A Current Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
The Current ratio of 1FISV (1.09) is comparable to the rest of the industry.
A Quick Ratio of 1.09 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV has a Quick ratio of 1.09. This is comparable to the rest of the industry: 1FISV outperforms 46.81% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
1FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.44%, which is quite good.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
Looking at the last year, 1FISV shows a small growth in Revenue. The Revenue has grown by 6.73% in the last year.
1FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
EPS 1Y (TTM)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
3.2 Future
1FISV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.81% yearly.
1FISV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.85% yearly.
EPS Next Y19.08%
EPS Next 2Y17.61%
EPS Next 3Y17.15%
EPS Next 5Y15.81%
Revenue Next Year8.41%
Revenue Next 2Y8.65%
Revenue Next 3Y8.05%
Revenue Next 5Y6.85%
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
Based on the Price/Earnings ratio of 13.79, the valuation of 1FISV can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 63.83% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.41. 1FISV is valued slightly cheaper when compared to this.
A Price/Forward Earnings ratio of 10.65 indicates a reasonable valuation of 1FISV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 65.96% of the companies listed in the same industry.
1FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.79 | ||
| Fwd PE | 10.65 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 61.70% of the companies listed in the same industry.
61.70% of the companies in the same industry are more expensive than 1FISV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.69 | ||
| EV/EBITDA | 10.5 |
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.
1FISV has a very decent profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as 1FISV's earnings are expected to grow with 17.15% in the coming years.
PEG (NY)0.72
PEG (5Y)0.75
EPS Next 2Y17.61%
EPS Next 3Y17.15%
5. Dividend
5.1 Amount
No dividends for 1FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
BIT:1FISV (9/23/2025, 7:00:00 PM)
110.16
-2.18 (-1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.85%
Inst Owner ChangeN/A
Ins Owners0.11%
Ins Owner ChangeN/A
Market Cap59.88B
Analysts83.72
Price Target159.42 (44.72%)
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)-0.62%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.09%
EPS beat(4)1
Avg EPS beat(4)-1.04%
Min EPS beat(4)-1.7%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-0.77%
EPS beat(12)2
Avg EPS beat(12)-1.65%
EPS beat(16)3
Avg EPS beat(16)-1.6%
Revenue beat(2)0
Avg Revenue beat(2)-3.42%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-3.56%
Min Revenue beat(4)-4.07%
Max Revenue beat(4)-2.9%
Revenue beat(8)4
Avg Revenue beat(8)-0.39%
Revenue beat(12)8
Avg Revenue beat(12)0.83%
Revenue beat(16)12
Avg Revenue beat(16)1.58%
PT rev (1m)-15.45%
PT rev (3m)-33.79%
EPS NQ rev (1m)0.04%
EPS NQ rev (3m)-2.49%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.43%
Revenue NQ rev (1m)-0.02%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)-0.15%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.79 | ||
| Fwd PE | 10.65 | ||
| P/S | 3.34 | ||
| P/FCF | 13.69 | ||
| P/OCF | 10.43 | ||
| P/B | 2.8 | ||
| P/tB | N/A | ||
| EV/EBITDA | 10.5 |
EPS(TTM)7.99
EY7.25%
EPS(NY)10.34
Fwd EY9.39%
FCF(TTM)8.04
FCFY7.3%
OCF(TTM)10.56
OCFY9.59%
SpS32.93
BVpS39.33
TBVpS-35.36
PEG (NY)0.72
PEG (5Y)0.75
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.14% | ||
| ROE | 13.4% | ||
| ROCE | 11.09% | ||
| ROIC | 9.23% | ||
| ROICexc | 9.39% | ||
| ROICexgc | 63.37% | ||
| OM | 30.05% | ||
| PM (TTM) | 16.01% | ||
| GM | 61.14% | ||
| FCFM | 24.43% |
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 | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 52% | ||
| Cap/Sales | 7.65% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 71.66% | ||
| Profit Quality | 152.62% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | N/A |
F-Score8
WACC7.84%
ROIC/WACC1.18
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)15.44%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%15.96%
EPS Next Y19.08%
EPS Next 2Y17.61%
EPS Next 3Y17.15%
EPS Next 5Y15.81%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%1.74%
Revenue Next Year8.41%
Revenue Next 2Y8.65%
Revenue Next 3Y8.05%
Revenue Next 5Y6.85%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.42%
EBIT Next 3Y17.4%
EBIT Next 5Y12.47%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
OCF growth 3Y18.02%
OCF growth 5Y18.86%