67.54 USD
+0.26 (+0.39%)
67.3 USD
-0.24 (-0.36%)
We assign a fundamental rating of 6 out of 10 to FISV. FISV was compared to 98 industry peers in the Financial Services industry. While FISV has a great profitability rating, there are some minor concerns on its financial health. FISV scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
In the past 5 years FISV always reported a positive cash flow from operatings.
1.2 Ratios
FISV's Return On Assets of 4.54% is fine compared to the rest of the industry. FISV outperforms 73.47% of its industry peers.
With a decent Return On Equity value of 14.36%, FISV is doing good in the industry, outperforming 74.49% of the companies in the same industry.
FISV has a better Return On Invested Capital (8.87%) than 79.59% 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 8.44%.
The last Return On Invested Capital (8.87%) for FISV is above the 3 year average (7.07%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
FISV's Profit Margin of 17.05% is fine compared to the rest of the industry. FISV outperforms 64.29% of its industry peers.
In the last couple of years the Profit Margin of FISV has grown nicely.
FISV has a better Operating Margin (28.72%) than 75.51% of its industry peers.
In the last couple of years the Operating Margin of FISV has grown nicely.
With a decent Gross Margin value of 60.48%, FISV is doing good in the industry, outperforming 74.49% of the companies in the same industry.
FISV's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), FISV is creating some value.
Compared to 1 year ago, FISV has less shares outstanding
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.
2.2 Solvency
Based on the Altman-Z score of 1.41, we must say that FISV is in the distress zone and has some risk of bankruptcy.
FISV has a Altman-Z score of 1.41. This is in the better half of the industry: FISV outperforms 66.33% 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 62.24% 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.
FISV has a Debt to Equity ratio (1.15) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.29
WACC6.87%
2.3 Liquidity
A Current Ratio of 1.08 indicates that FISV should not have too much problems paying its short term obligations.
The Current ratio of FISV (1.08) is comparable to the rest of the 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 52.04% 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 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.
Looking at the last year, FISV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
Measured over the past years, FISV shows a quite strong growth in Revenue. The Revenue has been growing by 14.96% on average per year.
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 11.57% 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 6.09% on average per year.
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y11.57%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y6.09%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 7.37, the valuation of FISV can be described as very cheap.
84.69% of the companies in the same industry are more expensive than FISV, based on the Price/Earnings ratio.
FISV's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.77.
Based on the Price/Forward Earnings ratio of 7.90, the valuation of FISV can be described as very cheap.
Based on the Price/Forward Earnings ratio, FISV is valued a bit cheaper than the industry average as 71.43% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.35, FISV is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.37 | ||
| Fwd PE | 7.9 |
4.2 Price Multiples
FISV's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FISV is cheaper than 85.71% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FISV is valued cheaper than 84.69% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.86 | ||
| EV/EBITDA | 6.92 |
4.3 Compensation for Growth
FISV has an outstanding profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.4
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
FISV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
67.54
+0.26 (+0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner Change3.63%
Ins Owners0.1%
Ins Owner Change3.82%
Market Cap36.33B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target97.9 (44.95%)
Short Float %2.86%
Short Ratio1.24
Dividend
| Industry Rank | Sector 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)-0.81%
PT rev (3m)-27.89%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-31.29%
EPS NY rev (1m)-3.67%
EPS NY rev (3m)-8.74%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-6.63%
Revenue NY rev (1m)-1.23%
Revenue NY rev (3m)-3.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.37 | ||
| Fwd PE | 7.9 | ||
| P/S | 1.72 | ||
| P/FCF | 7.86 | ||
| P/OCF | 5.73 | ||
| P/B | 1.45 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.92 |
EPS(TTM)9.16
EY13.56%
EPS(NY)8.55
Fwd EY12.66%
FCF(TTM)8.59
FCFY12.72%
OCF(TTM)11.79
OCFY17.45%
SpS39.34
BVpS46.71
TBVpS-41.81
PEG (NY)N/A
PEG (5Y)0.4
Graham Number98.11
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 1.41 |
F-Score7
WACC6.87%
ROIC/WACC1.29
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-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5Y11.57%
Revenue 1Y (TTM)5.16%
Revenue growth 3Y8.03%
Revenue growth 5Y14.96%
Sales Q2Q%-5.68%
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5Y6.09%
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.2%
EBIT Next 3Y7.96%
EBIT Next 5Y9.8%
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 6 / 10 to FISV.
What is the valuation status of FISERV INC (FISV) stock?
ChartMill assigns a valuation rating of 8 / 10 to FISERV INC (FISV). This can be considered as Undervalued.
What is the profitability of 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 7.37 and the Price/Book (PB) ratio is 1.45.