FIDELITY NATIONAL INFO SERV (FIS) Stock Fundamental Analysis
NYSE:FIS - US31620M1062 - Common Stock
71.76 USD
+2.21 (+3.18%)
71.9 USD
+0.14 (+0.2%)
Taking everything into account, FIS scores 4 out of 10 in our fundamental rating. FIS was compared to 100 industry peers in the Financial Services industry. FIS has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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.
The reported net income has been mixed in the past 5 years: FIS reported negative net income in multiple years.
Each year in the past 5 years FIS had a positive operating cash flow.
1.2 Ratios
FIS's Return On Assets of 0.34% is on the low side compared to the rest of the industry. FIS is outperformed by 64.00% of its industry peers.
Looking at the Return On Equity, with a value of 0.79%, FIS is doing worse than 69.00% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 4.76%, FIS is in the better half of the industry, outperforming 63.00% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FIS is below the industry average of 7.90%.
The 3 year average ROIC (3.09%) for FIS is below the current ROIC(4.76%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 0.79% | ||
| ROIC | 4.76% |
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
The Profit Margin of FIS (1.09%) is worse than 68.00% of its industry peers.
FIS's Profit Margin has improved in the last couple of years.
FIS's Operating Margin of 17.20% is fine compared to the rest of the industry. FIS outperforms 62.00% of its industry peers.
FIS's Operating Margin has improved in the last couple of years.
Looking at the Gross Margin, with a value of 36.68%, FIS is in line with its industry, outperforming 51.00% of the companies in the same 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 | 17.2% | ||
| PM (TTM) | 1.09% | ||
| GM | 36.68% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FIS is destroying value.
Compared to 1 year ago, FIS has less shares outstanding
Compared to 5 years ago, FIS has more shares outstanding
The debt/assets ratio for FIS has been reduced compared to a year ago.
2.2 Solvency
FIS has an Altman-Z score of 0.58. This is a bad value and indicates that FIS is not financially healthy and even has some risk of bankruptcy.
FIS has a Altman-Z score (0.58) which is in line with its industry peers.
The Debt to FCF ratio of FIS is 7.06, which is on the high side as it means it would take FIS, 7.06 years of fcf income to pay off all of its debts.
FIS's Debt to FCF ratio of 7.06 is fine compared to the rest of the industry. FIS outperforms 61.00% of its industry peers.
A Debt/Equity ratio of 0.75 indicates that FIS is somewhat dependend on debt financing.
FIS's Debt to Equity ratio of 0.75 is in line compared to the rest of the industry. FIS outperforms 52.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | 7.06 | ||
| Altman-Z | 0.58 |
ROIC/WACC0.66
WACC7.25%
2.3 Liquidity
A Current Ratio of 0.59 indicates that FIS may have some problems paying its short term obligations.
FIS has a worse Current ratio (0.59) than 61.00% of its industry peers.
FIS has a Quick Ratio of 0.59. 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 has a worse Quick ratio (0.59) than 60.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.59 | ||
| Quick Ratio | 0.59 |
3. Growth
3.1 Past
FIS shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.34%.
The Earnings Per Share has been decreasing by -3.91% on average over the past years.
FIS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.58%.
The Revenue has been decreasing by -0.40% on average over the past years.
EPS 1Y (TTM)6.34%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%0%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.1%
3.2 Future
FIS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.82% yearly.
FIS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.18% yearly.
EPS Next Y10.36%
EPS Next 2Y9.8%
EPS Next 3Y9.33%
EPS Next 5Y7.82%
Revenue Next Year3.72%
Revenue Next 2Y4.06%
Revenue Next 3Y4.16%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.36 indicates a correct valuation of FIS.
Compared to the rest of the industry, the Price/Earnings ratio of FIS is on the same level as its industry peers.
FIS's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.
Based on the Price/Forward Earnings ratio of 11.32, the valuation of FIS can be described as reasonable.
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 (35.82), we can say FIS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.36 | ||
| Fwd PE | 11.32 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FIS is valued a bit cheaper than 62.00% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FIS is valued a bit cheaper than the industry average as 62.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.51 | ||
| EV/EBITDA | 13.08 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.29
PEG (5Y)N/A
EPS Next 2Y9.8%
EPS Next 3Y9.33%
5. Dividend
5.1 Amount
FIS has a Yearly Dividend Yield of 2.30%. Purely for dividend investing, there may be better candidates out there.
FIS's Dividend Yield is a higher than the industry average which is at 5.17.
FIS's Dividend Yield is comparable with the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
5.2 History
The dividend of FIS decreases each year by -1.76%.
FIS has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-1.76%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
734.82% of the earnings are spent on dividend by FIS. This is not a sustainable payout ratio.
DP734.82%
EPS Next 2Y9.8%
EPS Next 3Y9.33%
71.76
+2.21 (+3.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.44%
Inst Owner Change0.36%
Ins Owners0.05%
Ins Owner Change4.24%
Market Cap37.49B
Analysts75.86
Price Target87.39 (21.78%)
Short Float %2.63%
Short Ratio4.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.3% |
Yearly Dividend1.44
Dividend Growth(5Y)-1.76%
DP734.82%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.5%
Min EPS beat(2)-1.03%
Max EPS beat(2)0.02%
EPS beat(4)3
Avg EPS beat(4)2.07%
Min EPS beat(4)-1.03%
Max EPS beat(4)7.13%
EPS beat(8)6
Avg EPS beat(8)4.52%
EPS beat(12)8
Avg EPS beat(12)3.67%
EPS beat(16)11
Avg EPS beat(16)2.88%
Revenue beat(2)1
Avg Revenue beat(2)0.23%
Min Revenue beat(2)0%
Max Revenue beat(2)0.46%
Revenue beat(4)1
Avg Revenue beat(4)-0.62%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)0.46%
Revenue beat(8)1
Avg Revenue beat(8)-4.57%
Revenue beat(12)3
Avg Revenue beat(12)-8.37%
Revenue beat(16)4
Avg Revenue beat(16)-18.1%
PT rev (1m)-3.48%
PT rev (3m)-0.41%
EPS NQ rev (1m)-3.88%
EPS NQ rev (3m)-2.59%
EPS NY rev (1m)0.02%
EPS NY rev (3m)-0.01%
Revenue NQ rev (1m)-0.19%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.36 | ||
| Fwd PE | 11.32 | ||
| P/S | 3.63 | ||
| P/FCF | 20.51 | ||
| P/OCF | 13.83 | ||
| P/B | 2.65 | ||
| P/tB | N/A | ||
| EV/EBITDA | 13.08 |
EPS(TTM)5.37
EY7.48%
EPS(NY)6.34
Fwd EY8.84%
FCF(TTM)3.5
FCFY4.88%
OCF(TTM)5.19
OCFY7.23%
SpS19.75
BVpS27.12
TBVpS-13.82
PEG (NY)1.29
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 0.79% | ||
| ROCE | 6.85% | ||
| ROIC | 4.76% | ||
| ROICexc | 4.97% | ||
| ROICexgc | 25.81% | ||
| OM | 17.2% | ||
| PM (TTM) | 1.09% | ||
| GM | 36.68% | ||
| FCFM | 17.72% |
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-Score6
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.75 | ||
| Debt/FCF | 7.06 | ||
| Debt/EBITDA | 2.95 | ||
| Cap/Depr | 48.68% | ||
| Cap/Sales | 8.56% | ||
| Interest Coverage | 5.9 | ||
| Cash Conversion | 75.54% | ||
| Profit Quality | 1632.14% | ||
| Current Ratio | 0.59 | ||
| Quick Ratio | 0.59 | ||
| Altman-Z | 0.58 |
F-Score6
WACC7.25%
ROIC/WACC0.66
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)6.34%
EPS 3Y-7.1%
EPS 5Y-3.91%
EPS Q2Q%0%
EPS Next Y10.36%
EPS Next 2Y9.8%
EPS Next 3Y9.33%
EPS Next 5Y7.82%
Revenue 1Y (TTM)3.58%
Revenue growth 3Y2.74%
Revenue growth 5Y-0.4%
Sales Q2Q%5.1%
Revenue Next Year3.72%
Revenue Next 2Y4.06%
Revenue Next 3Y4.16%
Revenue Next 5Y4.18%
EBIT growth 1Y7.19%
EBIT growth 3Y12.59%
EBIT growth 5Y10.77%
EBIT Next Year43.13%
EBIT Next 3Y17.04%
EBIT Next 5Y13.83%
FCF growth 1Y-33.02%
FCF growth 3Y-29.37%
FCF growth 5Y-4.54%
OCF growth 1Y-27.47%
OCF growth 3Y-24.49%
OCF growth 5Y-2.99%