FISERV INC (FI) Stock Fundamental Analysis
USA - NYSE:FI - US3377381088 - Common Stock
120.29 USD
+2.29 (+1.94%)
Overall FI gets a fundamental rating of 6 out of 10. We evaluated FI against 99 industry peers in the Financial Services industry. FI scores excellent on profitability, but there are some minor concerns on its financial health. FI is valued quite cheap, while showing a decent growth score. This is a good 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.
FI had positive earnings in each of the past 5 years.
In the past 5 years FI always reported a positive cash flow from operatings.
1.2 Ratios
FI has a Return On Assets of 4.14%. This is in the better half of the industry: FI outperforms 73.74% of its industry peers.
With a decent Return On Equity value of 13.40%, FI is doing good in the industry, outperforming 70.71% of the companies in the same industry.
FI's Return On Invested Capital of 9.23% is amongst the best of the industry. FI outperforms 80.81% 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 7.72%.
The last Return On Invested Capital (9.23%) for FI 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
FI has a better Profit Margin (16.01%) than 67.68% of its industry peers.
FI's Profit Margin has improved in the last couple of years.
FI has a better Operating Margin (30.05%) than 74.75% of its industry peers.
In the last couple of years the Operating Margin of FI has grown nicely.
The Gross Margin of FI (61.14%) is better than 73.74% of its industry peers.
In the last couple of years the Gross Margin of FI has grown nicely.
| 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
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
Compared to 5 years ago, FI has less shares outstanding
Compared to 1 year ago, FI has a worse debt to assets ratio.
2.2 Solvency
FI has a debt to FCF ratio of 5.74. This is a neutral value as FI would need 5.74 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 5.74, FI is in the better half of the industry, outperforming 64.65% of the companies in the same industry.
FI has a Debt/Equity ratio of 1.11. This is a high value indicating a heavy dependency on external financing.
FI has a Debt to Equity ratio (1.11) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.11 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | N/A |
ROIC/WACC1.25
WACC7.41%
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's Current ratio of 1.09 is in line compared to the rest of the industry. FI outperforms 51.52% of its industry peers.
A Quick Ratio of 1.09 indicates that FI should not have too much problems paying its short term obligations.
FI's Quick ratio of 1.09 is in line compared to the rest of the industry. FI outperforms 51.52% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
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.
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, FI shows a small growth in Revenue. The Revenue has grown by 6.73% in the last year.
FI 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%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 15.99% on average per year.
The Revenue is expected to grow by 7.17% on average over the next years.
EPS Next Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 12.77, FI is valued correctly.
FI's Price/Earnings is on the same level as the industry average.
FI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.29.
Based on the Price/Forward Earnings ratio of 9.86, the valuation of FI can be described as reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as FI.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.85, FI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 9.86 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FI indicates a somewhat cheap valuation: FI is cheaper than 71.72% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FI is valued a bit cheaper than 69.70% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.68 | ||
| EV/EBITDA | 9.81 |
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 17.18% in the coming years.
PEG (NY)0.67
PEG (5Y)0.7
EPS Next 2Y17.61%
EPS Next 3Y17.18%
5. Dividend
5.1 Amount
FI does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:FI (10/17/2025, 10:36:08 AM)
120.29
+2.29 (+1.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.3%
Inst Owner Change0%
Ins Owners0.11%
Ins Owner Change0.01%
Market Cap65.39B
Analysts84.29
Price Target185.76 (54.43%)
Short Float %1.17%
Short Ratio1.18
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)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)-0.88%
PT rev (3m)-17.75%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-1.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.03%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)-0.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.77 | ||
| Fwd PE | 9.86 | ||
| P/S | 3.1 | ||
| P/FCF | 12.68 | ||
| P/OCF | 9.66 | ||
| P/B | 2.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.81 |
EPS(TTM)9.42
EY7.83%
EPS(NY)12.2
Fwd EY10.14%
FCF(TTM)9.49
FCFY7.89%
OCF(TTM)12.46
OCFY10.36%
SpS38.84
BVpS46.39
TBVpS-41.7
PEG (NY)0.67
PEG (5Y)0.7
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
WACC7.41%
ROIC/WACC1.25
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 Y19.09%
EPS Next 2Y17.61%
EPS Next 3Y17.18%
EPS Next 5Y15.99%
Revenue 1Y (TTM)6.73%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%8.39%
Revenue Next Year8.39%
Revenue Next 2Y8.24%
Revenue Next 3Y8.05%
Revenue Next 5Y7.17%
EBIT growth 1Y17.5%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y12.63%
FCF growth 1Y52.53%
FCF growth 3Y20.77%
FCF growth 5Y19.54%
OCF growth 1Y40.47%
OCF growth 3Y18.02%
OCF growth 5Y18.86%