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FISERV INC (FI) Stock Fundamental Analysis

NYSE:FI - US3377381088 - Common Stock

138.18 USD
+0.53 (+0.39%)
Last: 8/29/2025, 8:21:42 PM
138.6 USD
+0.42 (+0.3%)
After Hours: 8/29/2025, 8:21:42 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FI. FI was compared to 100 industry peers in the Financial Services industry. While FI has a great profitability rating, there are some minor concerns on its financial health. FI has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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8

1. Profitability

1.1 Basic Checks

FI had positive earnings in the past year.
FI had a positive operating cash flow in the past year.
Each year in the past 5 years FI has been profitable.
Each year in the past 5 years FI had a positive operating cash flow.
FI Yearly Net Income VS EBIT VS OCF VS FCFFI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

1.2 Ratios

With a decent Return On Assets value of 4.14%, FI is doing good in the industry, outperforming 74.00% of the companies in the same industry.
FI has a Return On Equity of 13.40%. This is in the better half of the industry: FI outperforms 71.00% of its industry peers.
FI's Return On Invested Capital of 9.23% is amongst the best of the industry. FI outperforms 81.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for FI is in line with the industry average of 7.71%.
The 3 year average ROIC (7.07%) for FI is below the current ROIC(9.23%), indicating increased profibility in the last year.
Industry RankSector 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%
FI Yearly ROA, ROE, ROICFI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

The Profit Margin of FI (16.01%) is better than 68.00% of its industry peers.
FI's Profit Margin has improved in the last couple of years.
FI has a Operating Margin of 30.05%. This is in the better half of the industry: FI outperforms 75.00% of its industry peers.
FI's Operating Margin has improved in the last couple of years.
FI's Gross Margin of 61.14% is fine compared to the rest of the industry. FI outperforms 74.00% of its industry peers.
FI's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FI Yearly Profit, Operating, Gross MarginsFI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

2. Health

2.1 Basic Checks

FI has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
Compared to 1 year ago, FI has less shares outstanding
FI has less shares outstanding than it did 5 years ago.
FI has a worse debt/assets ratio than last year.
FI Yearly Shares OutstandingFI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M
FI Yearly Total Debt VS Total AssetsFI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of FI is 5.74, which is a neutral value as it means it would take FI, 5.74 years of fcf income to pay off all of its debts.
FI has a Debt to FCF ratio of 5.74. This is in the better half of the industry: FI outperforms 66.00% of its industry peers.
A Debt/Equity ratio of 1.11 is on the high side and indicates that FI has dependencies on debt financing.
With a Debt to Equity ratio value of 1.11, FI perfoms like the industry average, outperforming 43.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.11
Debt/FCF 5.74
Altman-Z N/A
ROIC/WACC1.15
WACC8.03%
FI Yearly LT Debt VS Equity VS FCFFI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

FI has a Current Ratio of 1.09. This is a normal value and indicates that FI is financially healthy and should not expect problems in meeting its short term obligations.
FI has a Current ratio of 1.09. This is comparable to the rest of the industry: FI outperforms 51.00% of its industry peers.
FI has a Quick Ratio of 1.09. This is a normal value and indicates that FI is financially healthy and should not expect problems in meeting its short term obligations.
FI has a Quick ratio of 1.09. This is comparable to the rest of the industry: FI outperforms 51.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.09
Quick Ratio 1.09
FI Yearly Current Assets VS Current LiabilitesFI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

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5

3. Growth

3.1 Past

FI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.44%, which is quite good.
Measured over the past years, FI 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 6.73% in the past year.
Measured over the past years, FI shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
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%8.39%

3.2 Future

Based on estimates for the next years, FI will show a quite strong growth in Earnings Per Share. The EPS will grow by 15.81% on average per year.
FI 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.
FI Yearly Revenue VS EstimatesFI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B 25B
FI Yearly EPS VS EstimatesFI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15 20

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 14.67, the valuation of FI can be described as correct.
FI's Price/Earnings is on the same level as the industry average.
FI is valuated rather cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 11.33, the valuation of FI can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FI.
The average S&P500 Price/Forward Earnings ratio is at 22.72. FI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 14.67
Fwd PE 11.33
FI Price Earnings VS Forward Price EarningsFI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FI is valued a bit cheaper than 67.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FI indicates a somewhat cheap valuation: FI is cheaper than 71.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 14.57
EV/EBITDA 10.94
FI Per share dataFI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40

4.3 Compensation for Growth

FI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FI has an outstanding profitability rating, which may justify a higher PE ratio.
A more expensive valuation may be justified as FI's earnings are expected to grow with 17.15% in the coming years.
PEG (NY)0.77
PEG (5Y)0.8
EPS Next 2Y17.61%
EPS Next 3Y17.15%

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0

5. Dividend

5.1 Amount

No dividends for FI!.
Industry RankSector Rank
Dividend Yield N/A

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FISERV INC

NYSE:FI (8/29/2025, 8:21:42 PM)

After market: 138.6 +0.42 (+0.3%)

138.18

+0.53 (+0.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)07-23 2025-07-23/bmo
Earnings (Next)10-20 2025-10-20/bmo
Inst Owners95.85%
Inst Owner Change135.46%
Ins Owners0.11%
Ins Owner Change0.02%
Market Cap75.11B
Analysts83.72
Price Target187.41 (35.63%)
Short Float %1.36%
Short Ratio1.41
Dividend
Industry RankSector 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)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)0
Avg Revenue beat(8)-3.48%
Revenue beat(12)3
Avg Revenue beat(12)-1.67%
Revenue beat(16)7
Avg Revenue beat(16)-0.3%
PT rev (1m)-14.65%
PT rev (3m)-18.72%
EPS NQ rev (1m)-1.5%
EPS NQ rev (3m)-2.48%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.12%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)0.22%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 14.67
Fwd PE 11.33
P/S 3.56
P/FCF 14.57
P/OCF 11.09
P/B 2.98
P/tB N/A
EV/EBITDA 10.94
EPS(TTM)9.42
EY6.82%
EPS(NY)12.2
Fwd EY8.83%
FCF(TTM)9.49
FCFY6.87%
OCF(TTM)12.46
OCFY9.02%
SpS38.84
BVpS46.39
TBVpS-41.7
PEG (NY)0.77
PEG (5Y)0.8
Profitability
Industry RankSector 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 RankSector 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
WACC8.03%
ROIC/WACC1.15
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%8.39%
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%