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%)
Taking everything into account, FISV scores 5 out of 10 in our fundamental rating. FISV was compared to 99 industry peers in the Financial Services industry. FISV has only an average score on both its financial health and profitability. 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.
In the past year FISV had a positive cash flow from operations.
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's Return On Assets of 3.17% is fine compared to the rest of the industry. FISV outperforms 74.49% of its industry peers.
Looking at the Return On Equity, with a value of 8.06%, FISV is in line with its industry, outperforming 57.14% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 5.42%, FISV is in the better half of the industry, outperforming 77.55% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for FISV 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
Looking at the Profit Margin, with a value of 13.36%, FISV is in the better half of the industry, outperforming 66.33% of the companies in the same industry.
In the last couple of years the Profit Margin of FISV has declined.
With a decent Operating Margin value of 21.71%, FISV is doing good in the industry, outperforming 68.37% of the companies in the same industry.
In the last couple of years the Operating Margin of FISV has declined.
The Gross Margin of FISV (55.78%) is better than 79.59% of its industry peers.
In the last couple of years the Gross Margin of FISV has grown nicely.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FISV is destroying value.
Compared to 1 year ago, FISV has less shares outstanding
The debt/assets ratio for FISV has been reduced compared to a year ago.
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.
The Altman-Z score of FISV (1.67) is better than 70.41% of its industry peers.
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 Debt to FCF ratio of 6.50. This is in the better half of the industry: FISV outperforms 66.33% of its industry peers.
A Debt/Equity ratio of 0.73 indicates that FISV is somewhat dependend on debt financing.
FISV has a Debt to Equity ratio (0.73) which is in line with 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.
The Current ratio of FISV (1.08) 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.
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.
FISV shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 20.49% yearly.
The Revenue has grown by 9.25% in the past year. This is quite good.
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
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in 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
Based on the Price/Earnings ratio of 17.10, the valuation of FISV can be described as rather expensive.
FISV's Price/Earnings is on the same level as the industry average.
FISV's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 27.08.
With a Price/Forward Earnings ratio of 13.42, FISV is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FISV is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 23.09. FISV is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.1 | ||
| Fwd PE | 13.42 |
4.2 Price Multiples
FISV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FISV is cheaper than 71.43% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FISV indicates a somewhat cheap valuation: FISV is cheaper than 62.24% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 20.52 | ||
| EV/EBITDA | 12.69 |
4.3 Compensation for Growth
FISV's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
The decent profitability rating of FISV may justify a higher PE ratio.
A more expensive valuation may be justified as FISV's earnings are expected to grow with 13.91% in the coming years.
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.