FISERV INC (1FISV.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1FISV - US3377381088 - Common Stock
58.76 EUR
-1.12 (-1.87%)
Overall 1FISV gets a fundamental rating of 5 out of 10. We evaluated 1FISV against 59 industry peers in the Financial Services industry. While 1FISV belongs to the best of the industry regarding profitability, there are 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.
Each year in the past 5 years 1FISV has been profitable.
Each year in the past 5 years 1FISV had a positive operating cash flow.
1.2 Ratios
1FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. 1FISV outperforms 72.88% of its industry peers.
Looking at the Return On Equity, with a value of 14.36%, 1FISV is in the better half of the industry, outperforming 71.19% of the companies in the same industry.
1FISV has a Return On Invested Capital of 8.87%. This is in the better half of the industry: 1FISV outperforms 74.58% of its industry peers.
The Average Return On Invested Capital over the past 3 years for 1FISV is below the industry average of 9.75%.
The last Return On Invested Capital (8.87%) for 1FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.54% | ||
| ROE | 14.36% | ||
| ROIC | 8.87% |
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's Profit Margin of 17.05% is fine compared to the rest of the industry. 1FISV outperforms 67.80% of its industry peers.
1FISV's Profit Margin has improved in the last couple of years.
With a decent Operating Margin value of 28.72%, 1FISV is doing good in the industry, outperforming 76.27% of the companies in the same industry.
In the last couple of years the Operating Margin of 1FISV has grown nicely.
1FISV's Gross Margin of 60.48% is in line compared to the rest of the industry. 1FISV outperforms 59.32% of its industry peers.
1FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 28.72% | ||
| PM (TTM) | 17.05% | ||
| GM | 60.48% |
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
The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so 1FISV is still 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.
1FISV has a worse debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.42, we must say that 1FISV is in the distress zone and has some risk of bankruptcy.
1FISV has a Altman-Z score of 1.42. This is comparable to the rest of the industry: 1FISV outperforms 57.63% of its industry peers.
The Debt to FCF ratio of 1FISV is 6.54, which is on the high side as it means it would take 1FISV, 6.54 years of fcf income to pay off all of its debts.
1FISV has a Debt to FCF ratio (6.54) which is comparable to the rest of the industry.
A Debt/Equity ratio of 1.15 is on the high side and indicates that 1FISV has dependencies on debt financing.
1FISV has a worse Debt to Equity ratio (1.15) than 69.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.42 |
ROIC/WACC1.32
WACC6.74%
2.3 Liquidity
A Current Ratio of 1.08 indicates that 1FISV should not have too much problems paying its short term obligations.
1FISV's Current ratio of 1.08 is in line compared to the rest of the industry. 1FISV outperforms 42.37% of its industry peers.
1FISV has a Quick Ratio of 1.08. This is a normal value and indicates that 1FISV is financially healthy and should not expect problems in meeting its short term obligations.
1FISV 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 been growing slightly by 7.76% over the past year.
Measured over the past years, 1FISV shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
The Revenue has been growing slightly by 5.16% in the past year.
The Revenue has been growing by 14.96% on average over the past years. This is quite good.
EPS 1Y (TTM)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
3.2 Future
Based on estimates for the next years, 1FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.99% on average per year.
The Revenue is expected to grow by 7.38% on average over the next years.
EPS Next Y-0.6%
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
EPS Next 5Y15.99%
Revenue Next Year3.86%
Revenue Next 2Y3.14%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
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.
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 7.56 indicates a rather cheap valuation of 1FISV.
Compared to the rest of the industry, the Price/Earnings ratio of 1FISV indicates a rather cheap valuation: 1FISV is cheaper than 83.05% of the companies listed in the same industry.
1FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
Based on the Price/Forward Earnings ratio of 8.10, the valuation of 1FISV can be described as reasonable.
77.97% of the companies in the same industry are more expensive than 1FISV, based on the Price/Forward Earnings ratio.
1FISV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.03.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.1 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, 1FISV is valued a bit cheaper than 72.88% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of 1FISV indicates a somewhat cheap valuation: 1FISV is cheaper than 77.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.06 | ||
| EV/EBITDA | 7.04 |
4.3 Compensation for Growth
1FISV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
5. Dividend
5.1 Amount
1FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
BIT:1FISV (12/15/2025, 7:00:00 PM)
58.76
-1.12 (-1.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap31.60B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target84.29 (43.45%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-24.31%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)-6.09%
Min EPS beat(4)-24.31%
Max EPS beat(4)1.08%
EPS beat(8)2
Avg EPS beat(8)-2.77%
EPS beat(12)2
Avg EPS beat(12)-2.23%
EPS beat(16)3
Avg EPS beat(16)-2.12%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-1.94%
Revenue beat(4)0
Avg Revenue beat(4)-4.53%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)-1.94%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
Revenue beat(12)7
Avg Revenue beat(12)0.69%
Revenue beat(16)11
Avg Revenue beat(16)1.76%
PT rev (1m)-47.43%
PT rev (3m)-47.13%
EPS NQ rev (1m)-35.5%
EPS NQ rev (3m)-35.72%
EPS NY rev (1m)-16.53%
EPS NY rev (3m)-16.53%
Revenue NQ rev (1m)-9.61%
Revenue NQ rev (3m)-9.94%
Revenue NY rev (1m)-5.11%
Revenue NY rev (3m)-5.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 8.1 | ||
| P/S | 1.76 | ||
| P/FCF | 8.06 | ||
| P/OCF | 5.88 | ||
| P/B | 1.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.04 |
EPS(TTM)7.77
EY13.22%
EPS(NY)7.26
Fwd EY12.35%
FCF(TTM)7.29
FCFY12.4%
OCF(TTM)10
OCFY17.02%
SpS33.38
BVpS39.63
TBVpS-35.48
PEG (NY)N/A
PEG (5Y)0.41
Graham Number83.23
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.54% | ||
| ROE | 14.36% | ||
| ROCE | 10.66% | ||
| ROIC | 8.87% | ||
| ROICexc | 9.32% | ||
| ROICexgc | 76.24% | ||
| OM | 28.72% | ||
| PM (TTM) | 17.05% | ||
| GM | 60.48% | ||
| FCFM | 21.83% |
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%
ROICexgc growth 3Y34.49%
ROICexgc 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-Score7
Asset Turnover0.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Debt/EBITDA | 3.14 | ||
| Cap/Depr | 55.2% | ||
| Cap/Sales | 8.13% | ||
| Interest Coverage | 4.32 | ||
| Cash Conversion | 68.95% | ||
| Profit Quality | 128.06% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.42 |
F-Score7
WACC6.74%
ROIC/WACC1.32
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)7.76%
EPS 3Y16.49%
EPS 5Y18.28%
EPS Q2Q%-11.3%
EPS Next Y-0.6%
EPS Next 2Y-1.53%
EPS Next 3Y2.03%
EPS Next 5Y15.99%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year3.86%
Revenue Next 2Y3.14%
Revenue Next 3Y3.4%
Revenue Next 5Y7.38%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.3%
EBIT Next 3Y7.99%
EBIT Next 5Y12.84%
FCF growth 1Y20.44%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y21.9%
OCF growth 3Y18.02%
OCF growth 5Y18.86%
FISERV INC / 1FISV.MI FAQ
What is the ChartMill fundamental rating of FISERV INC (1FISV.MI) stock?
ChartMill assigns a fundamental rating of 5 / 10 to 1FISV.MI.
What is the valuation status of FISERV INC (1FISV.MI) stock?
ChartMill assigns a valuation rating of 6 / 10 to FISERV INC (1FISV.MI). This can be considered as Fairly Valued.
How profitable is FISERV INC (1FISV.MI) stock?
FISERV INC (1FISV.MI) has a profitability rating of 7 / 10.
How financially healthy is FISERV INC?
The financial health rating of FISERV INC (1FISV.MI) is 3 / 10.
What is the earnings growth outlook for FISERV INC?
The Earnings per Share (EPS) of FISERV INC (1FISV.MI) is expected to decline by -0.6% in the next year.