FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
NYSE:FIS - New York Stock Exchange, Inc. - US31620M1062 - Common Stock - Currency: USD
Taking everything into account, FIS scores 4 out of 10 in our fundamental rating. FIS was compared to 101 industry peers in the Financial Services industry. While FIS is still in line with the averages on profitability rating, there are concerns on its financial health. FIS has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
In the past year FIS was profitable.
In the past year FIS had a positive cash flow from operations.
In multiple years FIS reported negative net income over the last 5 years.
In the past 5 years FIS always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of FIS (4.29%) is better than 74.26% of its industry peers.
With a Return On Equity value of 9.24%, FIS perfoms like the industry average, outperforming 48.51% of the companies in the same industry.
With a decent Return On Invested Capital value of 4.61%, FIS is doing good in the industry, outperforming 62.38% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FIS is significantly below the industry average of 11.85%.
The 3 year average ROIC (3.09%) for FIS is below the current ROIC(4.61%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.29% | ||
| ROE | 9.24% | ||
| ROIC | 4.61% |
ROA(3y)-11.43%
ROA(5y)-6.72%
ROE(3y)-29.08%
ROE(5y)-17.21%
ROIC(3y)3.09%
ROIC(5y)2.24%
1.3 Margins
Looking at the Profit Margin, with a value of 14.32%, FIS is in the better half of the industry, outperforming 63.37% of the companies in the same industry.
In the last couple of years the Profit Margin of FIS has grown nicely.
The Operating Margin of FIS (17.39%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of FIS has grown nicely.
FIS has a Gross Margin (37.56%) which is comparable to the rest of the industry.
In the last couple of years the Gross Margin of FIS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.39% | ||
| PM (TTM) | 14.32% | ||
| GM | 37.56% |
OM growth 3Y9.59%
OM growth 5Y11.22%
PM growth 3Y47.46%
PM growth 5Y37.78%
GM growth 3Y1.56%
GM growth 5Y0.84%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FIS is destroying value.
FIS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FIS has been increased compared to 5 years ago.
The debt/assets ratio for FIS has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.88, we must say that FIS is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.88, FIS is in line with its industry, outperforming 56.44% of the companies in the same industry.
FIS has a debt to FCF ratio of 9.00. This is a negative value and a sign of low solvency as FIS would need 9.00 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 9.00, FIS is in line with its industry, outperforming 58.42% of the companies in the same industry.
FIS has a Debt/Equity ratio of 0.66. This is a neutral value indicating FIS is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.66, FIS perfoms like the industry average, outperforming 53.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 9 | ||
| Altman-Z | 0.88 |
ROIC/WACC0.38
WACC12.06%
2.3 Liquidity
FIS has a Current Ratio of 0.85. This is a bad value and indicates that FIS is not financially healthy enough and could expect problems in meeting its short term obligations.
FIS's Current ratio of 0.85 is in line compared to the rest of the industry. FIS outperforms 43.56% of its industry peers.
FIS has a Quick Ratio of 0.85. This is a bad value and indicates that FIS is not financially healthy enough and could expect problems in meeting its short term obligations.
The Quick ratio of FIS (0.85) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
FIS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -3.13%.
The Earnings Per Share has been decreasing by -3.91% on average over the past years.
The Revenue has been growing slightly by 3.04% in the past year.
Measured over the past years, FIS shows a decrease in Revenue. The Revenue has been decreasing by -0.40% on average per year.
EPS 1Y (TTM)-3.13%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%48.94%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%3.55%
3.2 Future
The Earnings Per Share is expected to grow by 7.82% on average over the next years.
The Revenue is expected to grow by 4.18% on average over the next years.
EPS Next Y10.3%
EPS Next 2Y9.66%
EPS Next 3Y9.57%
EPS Next 5Y7.82%
Revenue Next Year3%
Revenue Next 2Y3.72%
Revenue Next 3Y3.93%
Revenue Next 5Y4.18%
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 accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 14.91, which indicates a correct valuation of FIS.
The rest of the industry has a similar Price/Earnings ratio as FIS.
When comparing the Price/Earnings ratio of FIS to the average of the S&P500 Index (27.75), we can say FIS is valued slightly cheaper.
The Price/Forward Earnings ratio is 13.51, which indicates a correct valuation of FIS.
FIS's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of FIS to the average of the S&P500 Index (20.49), we can say FIS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.91 | ||
| Fwd PE | 13.51 |
4.2 Price Multiples
FIS's Enterprise Value to EBITDA is on the same level as the industry average.
FIS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 33.12 | ||
| EV/EBITDA | 14.37 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of FIS may justify a higher PE ratio.
PEG (NY)1.45
PEG (5Y)N/A
EPS Next 2Y9.66%
EPS Next 3Y9.57%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.00%, FIS has a reasonable but not impressive dividend return.
FIS's Dividend Yield is a higher than the industry average which is at 4.93.
FIS's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
5.2 History
The dividend of FIS decreases each year by -1.76%.
FIS has paid a dividend for at least 10 years, which is a reliable track record.
FIS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)-1.76%
Div Incr Years3
Div Non Decr Years20
5.3 Sustainability
55.17% of the earnings are spent on dividend by FIS. This is a bit on the high side, but may be sustainable.
DP55.17%
EPS Next 2Y9.66%
EPS Next 3Y9.57%
NYSE:FIS (5/2/2025, 11:10:01 AM)
78.41
+0.7 (+0.9%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners97.99%
Inst Owner Change-0.06%
Ins Owners0.05%
Ins Owner Change3.28%
Market Cap41.53B
Analysts73.89
Price Target86.95 (10.89%)
Short Float %2.88%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2% |
Yearly Dividend1.44
Dividend Growth(5Y)-1.76%
DP55.17%
Div Incr Years3
Div Non Decr Years20
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.65%
Min EPS beat(2)2.16%
Max EPS beat(2)7.13%
EPS beat(4)4
Avg EPS beat(4)8.25%
Min EPS beat(4)2.16%
Max EPS beat(4)14.42%
EPS beat(8)7
Avg EPS beat(8)5.86%
EPS beat(12)8
Avg EPS beat(12)3.75%
EPS beat(16)12
Avg EPS beat(16)3.32%
Revenue beat(2)0
Avg Revenue beat(2)-1.48%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)-0.73%
Revenue beat(4)0
Avg Revenue beat(4)-0.98%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)-0.12%
Revenue beat(8)2
Avg Revenue beat(8)-4.39%
Revenue beat(12)3
Avg Revenue beat(12)-13.8%
Revenue beat(16)5
Avg Revenue beat(16)-17.98%
PT rev (1m)1.46%
PT rev (3m)-9.02%
EPS NQ rev (1m)-0.14%
EPS NQ rev (3m)-6.35%
EPS NY rev (1m)0.08%
EPS NY rev (3m)0.66%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-2.77%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-1.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.91 | ||
| Fwd PE | 13.51 | ||
| P/S | 4.1 | ||
| P/FCF | 33.12 | ||
| P/OCF | 20.05 | ||
| P/B | 2.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 14.37 |
EPS(TTM)5.26
EY6.71%
EPS(NY)5.8
Fwd EY7.4%
FCF(TTM)2.37
FCFY3.02%
OCF(TTM)3.91
OCFY4.99%
SpS19.12
BVpS29.64
TBVpS-10.21
PEG (NY)1.45
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.29% | ||
| ROE | 9.24% | ||
| ROCE | 6.36% | ||
| ROIC | 4.61% | ||
| ROICexc | 4.81% | ||
| ROICexgc | 21.65% | ||
| OM | 17.39% | ||
| PM (TTM) | 14.32% | ||
| GM | 37.56% | ||
| FCFM | 12.38% |
ROA(3y)-11.43%
ROA(5y)-6.72%
ROE(3y)-29.08%
ROE(5y)-17.21%
ROIC(3y)3.09%
ROIC(5y)2.24%
ROICexc(3y)3.21%
ROICexc(5y)2.33%
ROICexgc(3y)27.77%
ROICexgc(5y)N/A
ROCE(3y)4.44%
ROCE(5y)3.22%
ROICexcg growth 3Y-19.6%
ROICexcg growth 5Y-23.17%
ROICexc growth 3Y54.67%
ROICexc growth 5Y34.72%
OM growth 3Y9.59%
OM growth 5Y11.22%
PM growth 3Y47.46%
PM growth 5Y37.78%
GM growth 3Y1.56%
GM growth 5Y0.84%
F-Score8
Asset Turnover0.3
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 9 | ||
| Debt/EBITDA | 2.95 | ||
| Cap/Depr | 47.04% | ||
| Cap/Sales | 8.07% | ||
| Interest Coverage | 4.45 | ||
| Cash Conversion | 59.21% | ||
| Profit Quality | 86.48% | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.88 |
F-Score8
WACC12.06%
ROIC/WACC0.38
Cap/Depr(3y)48.27%
Cap/Depr(5y)41.27%
Cap/Sales(3y)8.75%
Cap/Sales(5y)9.73%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-3.13%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%48.94%
EPS Next Y10.3%
EPS Next 2Y9.66%
EPS Next 3Y9.57%
EPS Next 5Y7.82%
Revenue 1Y (TTM)3.04%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%3.55%
Revenue Next Year3%
Revenue Next 2Y3.72%
Revenue Next 3Y3.93%
Revenue Next 5Y4.18%
EBIT growth 1Y12.52%
EBIT growth 3Y12.59%
EBIT growth 5Y10.77%
EBIT Next Year42.87%
EBIT Next 3Y17.94%
EBIT Next 5Y13.89%
FCF growth 1Y-64.73%
FCF growth 3Y-29.37%
FCF growth 5Y-4.54%
OCF growth 1Y-52.23%
OCF growth 3Y-24.49%
OCF growth 5Y-2.99%