FISERV INC (FI) Stock Fundamental Analysis
USA - NYSE:FI - US3377381088 - Common Stock
63.8 USD
+0.1 (+0.16%)
63.6172 USD
-0.18 (-0.29%)
We assign a fundamental rating of 6 out of 10 to FI. FI was compared to 97 industry peers in the Financial Services industry. FI has an excellent profitability rating, but there are some minor concerns on its financial health. FI scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year FI was profitable.
In the past year FI had a positive cash flow from operations.
Each year in the past 5 years FI has been profitable.
In the past 5 years FI always reported a positive cash flow from operatings.
1.2 Ratios
With a decent Return On Assets value of 4.54%, FI is doing good in the industry, outperforming 73.20% of the companies in the same industry.
The Return On Equity of FI (14.36%) is better than 71.13% of its industry peers.
Looking at the Return On Invested Capital, with a value of 8.87%, FI is in the better half of the industry, outperforming 78.35% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FI is in line with the industry average of 8.15%.
The last Return On Invested Capital (8.87%) for FI 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
With a decent Profit Margin value of 17.05%, FI is doing good in the industry, outperforming 68.04% of the companies in the same industry.
In the last couple of years the Profit Margin of FI has grown nicely.
The Operating Margin of FI (28.72%) is better than 72.16% of its industry peers.
FI's Operating Margin has improved in the last couple of years.
FI's Gross Margin of 60.48% is fine compared to the rest of the industry. FI outperforms 74.23% of its industry peers.
FI'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 FI is still creating some value.
FI has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FI has been reduced compared to 5 years ago.
Compared to 1 year ago, FI has a worse debt to assets ratio.
2.2 Solvency
FI has an Altman-Z score of 1.39. This is a bad value and indicates that FI is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.39, FI is in the better half of the industry, outperforming 65.98% of the companies in the same industry.
The Debt to FCF ratio of FI is 6.54, which is on the high side as it means it would take FI, 6.54 years of fcf income to pay off all of its debts.
FI's Debt to FCF ratio of 6.54 is fine compared to the rest of the industry. FI outperforms 63.92% of its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that FI has dependencies on debt financing.
FI has a Debt to Equity ratio (1.15) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.3
WACC6.82%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FI should not have too much problems paying its short term obligations.
FI has a Current ratio (1.08) which is comparable to the rest of the industry.
FI has a Quick Ratio of 1.08. 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 (1.08) which is comparable to the rest of the industry.
| 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, FI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.28% on average per year.
FI shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
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)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, FI will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.79% on average per year.
FI is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.09% yearly.
EPS Next Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y11.79%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y6.09%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
Based on the Price/Earnings ratio of 6.97, the valuation of FI can be described as very cheap.
Based on the Price/Earnings ratio, FI is valued cheaply inside the industry as 87.63% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.35, FI is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.76, the valuation of FI can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FI indicates a somewhat cheap valuation: FI is cheaper than 75.26% of the companies listed in the same industry.
FI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.72.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 6.76 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FI is valued cheaply inside the industry as 85.57% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FI indicates a rather cheap valuation: FI is cheaper than 83.51% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 6.76 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The excellent profitability rating of FI may justify a higher PE ratio.
PEG (NY)1.66
PEG (5Y)0.38
EPS Next 2Y3.47%
EPS Next 3Y5.63%
5. Dividend
5.1 Amount
No dividends for FI!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
63.8
+0.1 (+0.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner Change-1.07%
Ins Owners0.11%
Ins Owner Change0.01%
Market Cap34.68B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts72.27
Price Target171.86 (169.37%)
Short Float %1.42%
Short Ratio1.77
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)-13.19%
Min EPS beat(2)-25.05%
Max EPS beat(2)-1.34%
EPS beat(4)1
Avg EPS beat(4)-7%
Min EPS beat(4)-25.05%
Max EPS beat(4)0.09%
EPS beat(8)2
Avg EPS beat(8)-3.72%
EPS beat(12)2
Avg EPS beat(12)-3.17%
EPS beat(16)3
Avg EPS beat(16)-3.07%
Revenue beat(2)0
Avg Revenue beat(2)-6.9%
Min Revenue beat(2)-10.9%
Max Revenue beat(2)-2.9%
Revenue beat(4)0
Avg Revenue beat(4)-5.46%
Min Revenue beat(4)-10.9%
Max Revenue beat(4)-2.9%
Revenue beat(8)0
Avg Revenue beat(8)-4.5%
Revenue beat(12)2
Avg Revenue beat(12)-2.79%
Revenue beat(16)6
Avg Revenue beat(16)-1.11%
PT rev (1m)-7.49%
PT rev (3m)-21.73%
EPS NQ rev (1m)-35.17%
EPS NQ rev (3m)-35.14%
EPS NY rev (1m)-12.5%
EPS NY rev (3m)-12.49%
Revenue NQ rev (1m)-8.97%
Revenue NQ rev (3m)-8.98%
Revenue NY rev (1m)-3.26%
Revenue NY rev (3m)-3.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.97 | ||
| Fwd PE | 6.76 | ||
| P/S | 1.64 | ||
| P/FCF | 7.51 | ||
| P/OCF | 5.47 | ||
| P/B | 1.38 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.76 |
EPS(TTM)9.16
EY14.36%
EPS(NY)9.44
Fwd EY14.8%
FCF(TTM)8.5
FCFY13.32%
OCF(TTM)11.66
OCFY18.28%
SpS38.93
BVpS46.21
TBVpS-41.37
PEG (NY)1.66
PEG (5Y)0.38
Graham Number97.59
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 | 1.39 |
F-Score7
WACC6.82%
ROIC/WACC1.3
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 Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y11.79%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%0.72%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y6.09%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y9.8%
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 / FI FAQ
Can you provide the ChartMill fundamental rating for FISERV INC?
ChartMill assigns a fundamental rating of 6 / 10 to FI.
What is the valuation status of FISERV INC (FI) stock?
ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FI). This can be considered as Undervalued.
Can you provide the profitability details for FISERV INC?
FISERV INC (FI) has a profitability rating of 8 / 10.
What are the PE and PB ratios of FISERV INC (FI) stock?
The Price/Earnings (PE) ratio for FISERV INC (FI) is 6.97 and the Price/Book (PB) ratio is 1.38.