FISERV INC (FISV) Fundamental Analysis & Valuation

NASDAQ:FISV • US3377381088

Current stock price

62.87 USD
+0.22 (+0.35%)
Last:

This FISV fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

8

1. FISV Profitability Analysis

1.1 Basic Checks

  • FISV had positive earnings in the past year.
  • In the past year FISV had a positive cash flow from operations.
  • In the past 5 years FISV has always been profitable.
  • In the past 5 years FISV always reported a positive cash flow from operatings.
FISV Yearly Net Income VS EBIT VS OCF VS FCFFISV Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • FISV has a better Return On Assets (4.34%) than 75.00% of its industry peers.
  • FISV's Return On Equity of 13.49% is fine compared to the rest of the industry. FISV outperforms 67.00% of its industry peers.
  • FISV's Return On Invested Capital of 8.45% is fine compared to the rest of the industry. FISV outperforms 80.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FISV is in line with the industry average of 7.97%.
  • The 3 year average ROIC (8.12%) for FISV is below the current ROIC(8.45%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
FISV Yearly ROA, ROE, ROICFISV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • The Profit Margin of FISV (16.42%) is better than 67.00% of its industry peers.
  • FISV's Profit Margin has improved in the last couple of years.
  • FISV has a Operating Margin of 26.89%. This is in the better half of the industry: FISV outperforms 76.00% of its industry peers.
  • In the last couple of years the Operating Margin of FISV has grown nicely.
  • The Gross Margin of FISV (59.36%) is better than 73.00% of its industry peers.
  • FISV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
FISV Yearly Profit, Operating, Gross MarginsFISV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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4

2. FISV Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FISV is still creating some value.
  • The number of shares outstanding for FISV has been reduced compared to 1 year ago.
  • The number of shares outstanding for FISV has been reduced compared to 5 years ago.
  • The debt/assets ratio for FISV is higher compared to a year ago.
FISV Yearly Shares OutstandingFISV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FISV Yearly Total Debt VS Total AssetsFISV Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • Based on the Altman-Z score of 1.35, we must say that FISV is in the distress zone and has some risk of bankruptcy.
  • FISV has a better Altman-Z score (1.35) than 64.00% of its industry peers.
  • The Debt to FCF ratio of FISV is 6.75, which is on the high side as it means it would take FISV, 6.75 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 6.75, FISV is in the better half of the industry, outperforming 61.00% of the companies in the same industry.
  • A Debt/Equity ratio of 1.08 is on the high side and indicates that FISV has dependencies on debt financing.
  • FISV's Debt to Equity ratio of 1.08 is in line compared to the rest of the industry. FISV outperforms 43.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.35
ROIC/WACC1.21
WACC6.96%
FISV Yearly LT Debt VS Equity VS FCFFISV Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • FISV has a Current Ratio of 1.03. This is a normal value and indicates that FISV is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of FISV (1.03) is comparable to the rest of the industry.
  • FISV has a Quick Ratio of 1.03. This is a normal value and indicates that FISV is financially healthy and should not expect problems in meeting its short term obligations.
  • FISV has a Quick ratio of 1.03. This is comparable to the rest of the industry: FISV outperforms 51.00% of its industry peers.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
FISV Yearly Current Assets VS Current LiabilitesFISV Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FISV Growth Analysis

3.1 Past

  • FISV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • The Earnings Per Share has been growing by 14.35% on average over the past years. This is quite good.
  • The Revenue has been growing slightly by 3.60% in the past year.
  • The Revenue has been growing slightly by 7.37% on average over the past years.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.33% on average over the next years. This is quite good.
  • Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 3.80% on average per year.
EPS Next Y-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y11.33%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.8%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FISV Yearly Revenue VS EstimatesFISV Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
FISV Yearly EPS VS EstimatesFISV Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10

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8

4. FISV Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.28, the valuation of FISV can be described as very cheap.
  • Based on the Price/Earnings ratio, FISV is valued a bit cheaper than 78.00% of the companies in the same industry.
  • FISV is valuated cheaply when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 7.60, the valuation of FISV can be described as very cheap.
  • 73.00% of the companies in the same industry are more expensive than FISV, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 21.75, FISV is valued rather cheaply.
Industry RankSector Rank
PE 7.28
Fwd PE 7.6
FISV Price Earnings VS Forward Price EarningsFISV Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 82.00% of the companies in the same industry are more expensive than FISV, based on the Enterprise Value to EBITDA ratio.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FISV indicates a rather cheap valuation: FISV is cheaper than 84.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.79
EV/EBITDA 6.95
FISV Per share dataFISV EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40 -40

4.3 Compensation for Growth

  • FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.51
EPS Next 2Y3.22%
EPS Next 3Y5.49%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FISV Dividend Analysis

5.1 Amount

  • No dividends for FISV!.
Industry RankSector Rank
Dividend Yield 0%

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FISV Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

NASDAQ:FISV (5/1/2026, 1:58:08 PM)

62.87

+0.22 (+0.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength27.33
Industry Growth77.02
Earnings (Last)02-10
Earnings (Next)05-05
Inst Owners93.65%
Inst Owner Change0.13%
Ins Owners0.1%
Ins Owner Change37.79%
Market Cap33.51B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.78
Price Target77.42 (23.14%)
Short Float %3.03%
Short Ratio2.43
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)3.91%
Revenue beat(8)5
Avg Revenue beat(8)0.78%
Revenue beat(12)9
Avg Revenue beat(12)1.82%
Revenue beat(16)13
Avg Revenue beat(16)2.67%
PT rev (1m)-11.05%
PT rev (3m)-18.14%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)-11.52%
EPS NY rev (1m)-0.11%
EPS NY rev (3m)-2.15%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 7.28
Fwd PE 7.6
P/S 1.58
P/FCF 7.79
P/OCF 5.53
P/B 1.3
P/tB N/A
EV/EBITDA 6.95
EPS(TTM)8.64
EY13.74%
EPS(NY)8.27
Fwd EY13.16%
FCF(TTM)8.07
FCFY12.83%
OCF(TTM)11.37
OCFY18.09%
SpS39.76
BVpS48.39
TBVpS-41.41
PEG (NY)N/A
PEG (5Y)0.51
Graham Number96.99 (54.27%)
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 4.05
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 1.35
F-Score5
WACC6.96%
ROIC/WACC1.21
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-4.23%
EPS Next 2Y3.22%
EPS Next 3Y5.49%
EPS Next 5Y11.33%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%
Revenue Next Year2.01%
Revenue Next 2Y2.97%
Revenue Next 3Y3.13%
Revenue Next 5Y3.8%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.74%
EBIT Next 3Y7.07%
EBIT Next 5Y6.16%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

FISERV INC / FISV Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FISERV INC (FISV) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FISV.


What is the valuation status for FISV stock?

ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FISV). This can be considered as Undervalued.


How profitable is FISERV INC (FISV) stock?

FISERV INC (FISV) has a profitability rating of 8 / 10.


Can you provide the PE and PB ratios for FISV stock?

The Price/Earnings (PE) ratio for FISERV INC (FISV) is 7.28 and the Price/Book (PB) ratio is 1.3.


What is the expected EPS growth for FISERV INC (FISV) stock?

The Earnings per Share (EPS) of FISERV INC (FISV) is expected to decline by -4.23% in the next year.