FISERV INC (FI) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FI - US3377381088 - Common Stock
63.8 USD
+0.1 (+0.16%)
63.6172 USD
-0.18 (-0.29%)
Taking everything into account, FI scores 5 out of 10 in our fundamental rating. FI was compared to 98 industry peers in the Financial Services industry. While FI belongs to the best of the industry regarding profitability, 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.
FI had a positive operating cash flow in the past year.
FI had positive earnings in each of the past 5 years.
Each year in the past 5 years FI had a positive operating cash flow.
1.2 Ratios
FI's Return On Assets of 4.54% is fine compared to the rest of the industry. FI outperforms 72.73% of its industry peers.
The Return On Equity of FI (14.36%) is better than 73.74% of its industry peers.
The Return On Invested Capital of FI (8.87%) is better than 78.79% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FI is in line with the industry average of 8.44%.
The 3 year average ROIC (7.07%) for FI is below the current ROIC(8.87%), indicating increased profibility in the last year.
| 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
FI has a better Profit Margin (17.05%) than 64.65% of its industry peers.
In the last couple of years the Profit Margin of FI has grown nicely.
FI's Operating Margin of 28.72% is fine compared to the rest of the industry. FI outperforms 73.74% of its industry peers.
FI's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 60.48%, FI is doing good in the industry, outperforming 73.74% of the companies in the same industry.
In the last couple of years the Gross Margin of FI has grown nicely.
| 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
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.
The debt/assets ratio for FI is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.39, we must say that FI is in the distress zone and 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 64.65% 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.
Looking at the Debt to FCF ratio, with a value of 6.54, FI is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
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 of 1.15. This is comparable to the rest of the industry: FI outperforms 42.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.39 |
ROIC/WACC1.31
WACC6.78%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FI should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.08, FI is in line with its industry, outperforming 52.53% of the companies in the same 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.
With a Quick ratio value of 1.08, FI perfoms like the industry average, outperforming 52.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
FI shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
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
The Earnings Per Share is expected to grow by 5.25% on average over the next years.
Based on estimates for the next years, FI will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
EPS Next Y4.21%
EPS Next 2Y3.47%
EPS Next 3Y5.63%
EPS Next 5Y5.25%
Revenue Next Year4.86%
Revenue Next 2Y4.25%
Revenue Next 3Y4.32%
Revenue Next 5Y4.28%
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 decreasing.
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 6.97 indicates a rather cheap valuation of FI.
84.85% of the companies in the same industry are more expensive than FI, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.77, FI is valued rather cheaply.
Based on the 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 73.74% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.35. FI is valued rather cheaply when compared to this.
| 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 82.83% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, FI is valued cheaply inside the industry as 83.84% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.51 | ||
| EV/EBITDA | 6.76 |
4.3 Compensation for Growth
FI's 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
FI does not give a dividend.
| 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 OwnersN/A
Inst Owner Change-32.8%
Ins OwnersN/A
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 %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 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)-8.24%
EPS NQ rev (1m)-34.82%
EPS NQ rev (3m)-35.14%
EPS NY rev (1m)-12.3%
EPS NY rev (3m)-12.49%
Revenue NQ rev (1m)-8.51%
Revenue NQ rev (3m)-8.98%
Revenue NY rev (1m)-3.1%
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
WACC6.78%
ROIC/WACC1.31
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 5Y5.25%
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 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year36.34%
EBIT Next 3Y17.4%
EBIT Next 5Y5.89%
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.