FISERV INC (FISV) Stock Fundamental Analysis
USA - NASDAQ:FISV - US3377381088 - Common Stock
114.23 USD
+2 (+1.78%)
114.65 USD
+0.42 (+0.37%)
We assign a fundamental rating of 5 out of 10 to FISV. FISV was compared to 99 industry peers in the Financial Services industry. Both the profitability and the financial health of FISV get a neutral evaluation. Nothing too spectacular is happening here. FISV is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
FISV had positive earnings in the past year.
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.
1.2 Ratios
FISV has a better Return On Assets (3.17%) than 74.49% of its industry peers.
FISV has a Return On Equity (8.06%) which is in line with its industry peers.
FISV has a Return On Invested Capital of 5.42%. This is in the better half of the industry: FISV outperforms 77.55% of its industry peers.
FISV had an Average Return On Invested Capital over the past 3 years of 3.43%. This is below the industry average of 7.79%.
The last Return On Invested Capital (5.42%) for FISV is above the 3 year average (3.43%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.17% | ||
| ROE | 8.06% | ||
| ROIC | 5.42% |
ROA(3y)2.02%
ROA(5y)3.55%
ROE(3y)5.16%
ROE(5y)13.99%
ROIC(3y)3.43%
ROIC(5y)5.11%
1.3 Margins
The Profit Margin of FISV (13.36%) is better than 66.33% of its industry peers.
FISV's Profit Margin has declined in the last couple of years.
FISV has a better Operating Margin (21.71%) than 68.37% of its industry peers.
In the last couple of years the Operating Margin of FISV has declined.
FISV's Gross Margin of 55.78% is fine compared to the rest of the industry. FISV outperforms 79.59% of its industry peers.
FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 21.71% | ||
| PM (TTM) | 13.36% | ||
| GM | 55.78% |
OM growth 3Y8.98%
OM growth 5Y-4.83%
PM growth 3Y17.62%
PM growth 5Y-8.2%
GM growth 3Y4.35%
GM growth 5Y3.21%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FISV is destroying value.
The number of shares outstanding for FISV has been reduced compared to 1 year ago.
FISV has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of 1.67, we must say that FISV is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.67, FISV is in the better half of the industry, outperforming 70.41% of the companies in the same industry.
FISV has a debt to FCF ratio of 6.50. This is a slightly negative value and a sign of low solvency as FISV would need 6.50 years to pay back of all of its debts.
FISV has a better Debt to FCF ratio (6.50) than 66.33% of its industry peers.
FISV has a Debt/Equity ratio of 0.73. This is a neutral value indicating FISV is somewhat dependend on debt financing.
FISV's Debt to Equity ratio of 0.73 is in line compared to the rest of the industry. FISV outperforms 44.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 6.5 | ||
| Altman-Z | 1.67 |
ROIC/WACC0.73
WACC7.41%
2.3 Liquidity
FISV has a Current 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.
Looking at the Current ratio, with a value of 1.08, FISV is in line with its industry, outperforming 46.94% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.08, FISV is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
FISV shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.97%, which is quite good.
The Earnings Per Share has been growing by 20.49% on average over the past years. This is a very strong growth
FISV shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.25%.
The Revenue has been growing by 25.51% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)14.97%
EPS 3Y19.49%
EPS 5Y20.49%
EPS Q2Q%12.86%
Revenue 1Y (TTM)9.25%
Revenue growth 3Y20.3%
Revenue growth 5Y25.51%
Sales Q2Q%9.88%
3.2 Future
Based on estimates for the next years, FISV will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.52% on average per year.
Based on estimates for the next years, FISV will show a small growth in Revenue. The Revenue will grow by 7.27% on average per year.
EPS Next Y15.18%
EPS Next 2Y14.42%
EPS Next 3Y13.91%
EPS Next 5Y10.52%
Revenue Next Year6.97%
Revenue Next 2Y7.36%
Revenue Next 3Y7.27%
Revenue Next 5YN/A
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.
4. Valuation
4.1 Price/Earnings Ratio
FISV is valuated rather expensively with a Price/Earnings ratio of 17.10.
Compared to the rest of the industry, the Price/Earnings ratio of FISV is on the same level as its industry peers.
The average S&P500 Price/Earnings ratio is at 27.08. FISV is valued slightly cheaper when compared to this.
With a Price/Forward Earnings ratio of 13.42, FISV is valued correctly.
FISV's Price/Forward Earnings ratio is in line with the industry average.
FISV's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.09.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 13.42 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FISV indicates a somewhat cheap valuation: FISV is cheaper than 71.43% of the companies listed in the same industry.
62.24% of the companies in the same industry are more expensive than FISV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.52 | ||
| EV/EBITDA | 12.69 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FISV has a very decent profitability rating, which may justify a higher PE ratio.
FISV's earnings are expected to grow with 13.91% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.13
PEG (5Y)0.83
EPS Next 2Y14.42%
EPS Next 3Y13.91%
5. Dividend
5.1 Amount
No dividends for FISV!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
114.23
+2 (+1.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners82.48%
Inst Owner Change-0.06%
Ins Owners0.77%
Ins Owner Change0%
Market Cap70.71B
Revenue(TTM)18.15B
Net Income(TTM)2.42B
Analysts78.54
Price Target135.78 (18.87%)
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)-1.46%
Min EPS beat(2)-1.67%
Max EPS beat(2)-1.26%
EPS beat(4)0
Avg EPS beat(4)-2.64%
Min EPS beat(4)-5.86%
Max EPS beat(4)-1.26%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)5.5%
Min Revenue beat(2)4.56%
Max Revenue beat(2)6.44%
Revenue beat(4)4
Avg Revenue beat(4)5.4%
Min Revenue beat(4)3.55%
Max Revenue beat(4)7.05%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-0.46%
PT rev (3m)4.39%
EPS NQ rev (1m)0.41%
EPS NQ rev (3m)-0.21%
EPS NY rev (1m)0%
EPS NY rev (3m)0.02%
Revenue NQ rev (1m)0.39%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 13.42 | ||
| P/S | 3.9 | ||
| P/FCF | 20.52 | ||
| P/OCF | 14.33 | ||
| P/B | 2.35 | ||
| P/tB | N/A | ||
| EV/EBITDA | 12.69 |
EPS(TTM)6.68
EY5.85%
EPS(NY)8.51
Fwd EY7.45%
FCF(TTM)5.57
FCFY4.87%
OCF(TTM)7.97
OCFY6.98%
SpS29.32
BVpS48.59
TBVpS-30.59
PEG (NY)1.13
PEG (5Y)0.83
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.17% | ||
| ROE | 8.06% | ||
| ROCE | N/A | ||
| ROIC | 5.42% | ||
| ROICexc | 5.7% | ||
| ROICexgc | 52.06% | ||
| OM | 21.71% | ||
| PM (TTM) | 13.36% | ||
| GM | 55.78% | ||
| FCFM | N/A |
ROA(3y)2.02%
ROA(5y)3.55%
ROE(3y)5.16%
ROE(5y)13.99%
ROIC(3y)3.43%
ROIC(5y)5.11%
ROICexc(3y)3.49%
ROICexc(5y)5.27%
ROICexgc(3y)28.11%
ROICexgc(5y)44.91%
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y30.56%
ROICexgc growth 5Y-29.03%
ROICexc growth 3Y34.38%
ROICexc growth 5Y-19.22%
OM growth 3Y8.98%
OM growth 5Y-4.83%
PM growth 3Y17.62%
PM growth 5Y-8.2%
GM growth 3Y4.35%
GM growth 5Y3.21%
F-Score8
Asset Turnover0.24
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.73 | ||
| Debt/FCF | 6.5 | ||
| Debt/EBITDA | 3.16 | ||
| Cap/Depr | 47.13% | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 142.16% | ||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z | 1.67 |
F-Score8
WACC7.41%
ROIC/WACC0.73
Cap/Depr(3y)37%
Cap/Depr(5y)43.88%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)226.15%
Profit Quality(5y)202.11%
High Growth Momentum
Growth
EPS 1Y (TTM)14.97%
EPS 3Y19.49%
EPS 5Y20.49%
EPS Q2Q%12.86%
EPS Next Y15.18%
EPS Next 2Y14.42%
EPS Next 3Y13.91%
EPS Next 5Y10.52%
Revenue 1Y (TTM)9.25%
Revenue growth 3Y20.3%
Revenue growth 5Y25.51%
Sales Q2Q%9.88%
Revenue Next Year6.97%
Revenue Next 2Y7.36%
Revenue Next 3Y7.27%
Revenue Next 5YN/A
EBIT growth 1Y56.19%
EBIT growth 3Y31.1%
EBIT growth 5Y19.44%
EBIT Next Year35.88%
EBIT Next 3Y17.46%
EBIT Next 5Y10.88%
FCF growth 1Y3.7%
FCF growth 3Y14.81%
FCF growth 5Y20.9%
OCF growth 1Y17.15%
OCF growth 3Y18.22%
OCF growth 5Y25.19%
FISERV INC / FISV FAQ
What is the ChartMill fundamental rating of FISERV INC (FISV) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FISV.
What is the valuation status of FISERV INC (FISV) stock?
ChartMill assigns a valuation rating of 3 / 10 to FISERV INC (FISV). This can be considered as Overvalued.
What is the profitability of FISV stock?
FISERV INC (FISV) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for FISV stock?
The Price/Earnings (PE) ratio for FISERV INC (FISV) is 17.1 and the Price/Book (PB) ratio is 2.35.