FISERV INC (FISV) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FISV • US3377381088

59.39 USD
+0.95 (+1.63%)
Last: Feb 6, 2026, 10:36 AM
Fundamental Rating

5

Taking everything into account, FISV scores 5 out of 10 in our fundamental rating. FISV was compared to 97 industry peers in the Financial Services industry. FISV scores excellent on profitability, but there are some minor concerns on its financial health. FISV may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

8

1. Profitability

1.1 Basic Checks

  • In the past year FISV was profitable.
  • FISV had a positive operating cash flow in the past year.
  • In the past 5 years FISV has always been profitable.
  • Each year in the past 5 years FISV had a positive operating cash flow.
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 2B 4B 6B

1.2 Ratios

  • FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. FISV outperforms 73.20% of its industry peers.
  • FISV has a Return On Equity of 14.36%. This is in the better half of the industry: FISV outperforms 74.23% of its industry peers.
  • The Return On Invested Capital of FISV (8.87%) is better than 79.38% of its industry peers.
  • FISV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is in line with the industry average of 8.54%.
  • The 3 year average ROIC (7.07%) for FISV is below the current ROIC(8.87%), indicating increased profibility in the last year.
Industry RankSector 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%
FISV Yearly ROA, ROE, ROICFISV Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • FISV has a Profit Margin of 17.05%. This is in the better half of the industry: FISV outperforms 63.92% of its industry peers.
  • In the last couple of years the Profit Margin of FISV has grown nicely.
  • With a decent Operating Margin value of 28.72%, FISV is doing good in the industry, outperforming 75.26% of the companies in the same industry.
  • In the last couple of years the Operating Margin of FISV has grown nicely.
  • FISV has a better Gross Margin (60.48%) than 73.20% of its industry peers.
  • FISV's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FISV Yearly Profit, Operating, Gross MarginsFISV Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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4

2. Health

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.
  • Compared to 5 years ago, FISV has less shares outstanding
  • FISV has a worse debt/assets ratio than last year.
FISV Yearly Shares OutstandingFISV Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

2.2 Solvency

  • Based on the Altman-Z score of 1.36, we must say that FISV is in the distress zone and has some risk of bankruptcy.
  • FISV has a Altman-Z score of 1.36. This is in the better half of the industry: FISV outperforms 65.98% of its industry peers.
  • FISV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as FISV would need 6.54 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 6.54, FISV is doing good in the industry, outperforming 61.86% of the companies in the same industry.
  • A Debt/Equity ratio of 1.15 is on the high side and indicates that FISV has dependencies on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 1.15, FISV is in line with its industry, outperforming 42.27% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.15
Debt/FCF 6.54
Altman-Z 1.36
ROIC/WACC1.11
WACC7.98%
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 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
  • FISV has a Current ratio (1.08) which is comparable to the rest of the industry.
  • FISV has a Quick Ratio of 1.08. 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 (1.08) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.08
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 10B 20B 30B

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

4

3. Growth

3.1 Past

  • FISV 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.
  • FISV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
  • FISV shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.96% yearly.
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%-5.68%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.05% on average over the next years.
  • Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
EPS Next Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B 20B
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 15

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.48, the valuation of FISV can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of FISV indicates a rather cheap valuation: FISV is cheaper than 87.63% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, FISV is valued rather cheaply.
  • FISV is valuated cheaply with a Price/Forward Earnings ratio of 7.02.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FISV indicates a somewhat cheap valuation: FISV is cheaper than 78.35% of the companies listed in the same industry.
  • FISV is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.48
Fwd PE 7.02
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

  • 86.60% 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 87.63% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.92
EV/EBITDA 6.4
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)0.35
EPS Next 2Y-2.08%
EPS Next 3Y1.93%

More info and screens

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

0

5. Dividend

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

FISERV INC

NASDAQ:FISV (2/6/2026, 10:36:03 AM)

59.39

+0.95 (+1.63%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29
Earnings (Next)02-10
Inst Owners92.77%
Inst Owner Change-4.65%
Ins Owners0.13%
Ins Owner Change10.01%
Market Cap31.94B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target94.58 (59.25%)
Short Float %3.77%
Short Ratio2.07
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)0
Avg EPS beat(2)-12.34%
Min EPS beat(2)-24.31%
Max EPS beat(2)-0.37%
EPS beat(4)1
Avg EPS beat(4)-6.09%
Min EPS beat(4)-24.31%
Max EPS beat(4)1.08%
EPS beat(8)2
Avg EPS beat(8)-2.77%
EPS beat(12)2
Avg EPS beat(12)-2.23%
EPS beat(16)3
Avg EPS beat(16)-2.12%
Revenue beat(2)0
Avg Revenue beat(2)-5.99%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-1.94%
Revenue beat(4)2
Avg Revenue beat(4)-1.08%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)3.91%
Revenue beat(8)6
Avg Revenue beat(8)1.42%
Revenue beat(12)10
Avg Revenue beat(12)2.4%
Revenue beat(16)14
Avg Revenue beat(16)3.04%
PT rev (1m)-3.4%
PT rev (3m)-30.34%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-31.67%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-9.14%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-6.31%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-4.24%
Valuation
Industry RankSector Rank
PE 6.48
Fwd PE 7.02
P/S 1.51
P/FCF 6.92
P/OCF 5.04
P/B 1.27
P/tB N/A
EV/EBITDA 6.4
EPS(TTM)9.16
EY15.42%
EPS(NY)8.46
Fwd EY14.24%
FCF(TTM)8.59
FCFY14.46%
OCF(TTM)11.79
OCFY19.84%
SpS39.34
BVpS46.71
TBVpS-41.81
PEG (NY)N/A
PEG (5Y)0.35
Graham Number98.11
Profitability
Industry RankSector 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 RankSector 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 1.36
F-Score7
WACC7.98%
ROIC/WACC1.11
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 Y-1.03%
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
EPS Next 5Y5.05%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-5.68%
Revenue Next Year3.3%
Revenue Next 2Y2.76%
Revenue Next 3Y3.23%
Revenue Next 5Y4.28%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.05%
EBIT Next 3Y7.93%
EBIT Next 5Y5.88%
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 / FISV 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.


Can you provide the profitability details for FISERV INC?

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


How financially healthy is FISERV INC?

The financial health rating of FISERV INC (FISV) is 4 / 10.


Can you provide the expected EPS growth for FISV stock?

The Earnings per Share (EPS) of FISERV INC (FISV) is expected to decline by -1.03% in the next year.