FISERV INC (FIV.DE) Stock Fundamental Analysis
Europe • Frankfurt Stock Exchange • FRA:FIV • US3377381088
50.5 EUR
+0.8 (+1.6%)
Last: Feb 6, 2026, 07:00 PM
FIV gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 55 industry peers in the Financial Services industry. FIV has an excellent profitability rating, but there are some minor concerns on its financial health. FIV 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 FIV was profitable.
- FIV had a positive operating cash flow in the past year.
- Each year in the past 5 years FIV has been profitable.
- FIV had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- With a decent Return On Assets value of 4.54%, FIV is doing good in the industry, outperforming 74.55% of the companies in the same industry.
- FIV has a Return On Equity of 14.36%. This is in the better half of the industry: FIV outperforms 70.91% of its industry peers.
- FIV's Return On Invested Capital of 8.87% is fine compared to the rest of the industry. FIV outperforms 76.36% of its industry peers.
- FIV had an Average Return On Invested Capital over the past 3 years of 7.07%. This is below the industry average of 9.19%.
- The 3 year average ROIC (7.07%) for FIV is below the current ROIC(8.87%), indicating increased profibility in the last year.
| 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
- FIV has a better Profit Margin (17.05%) than 67.27% of its industry peers.
- FIV's Profit Margin has improved in the last couple of years.
- Looking at the Operating Margin, with a value of 28.72%, FIV is in the better half of the industry, outperforming 78.18% of the companies in the same industry.
- In the last couple of years the Operating Margin of FIV has grown nicely.
- The Gross Margin of FIV (60.48%) is comparable to the rest of the industry.
- FIV'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), FIV is creating some value.
- The number of shares outstanding for FIV has been reduced compared to 1 year ago.
- The number of shares outstanding for FIV has been reduced compared to 5 years ago.
- Compared to 1 year ago, FIV has a worse debt to assets ratio.
2.2 Solvency
- FIV has an Altman-Z score of 1.36. This is a bad value and indicates that FIV is not financially healthy and even has some risk of bankruptcy.
- FIV has a Altman-Z score (1.36) which is comparable to the rest of the industry.
- FIV has a debt to FCF ratio of 6.54. This is a slightly negative value and a sign of low solvency as FIV would need 6.54 years to pay back of all of its debts.
- With a decent Debt to FCF ratio value of 6.54, FIV is doing good in the industry, outperforming 61.82% of the companies in the same industry.
- FIV has a Debt/Equity ratio of 1.15. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 1.15, FIV is not doing good in the industry: 69.09% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.36 |
ROIC/WACC1.12
WACC7.89%
2.3 Liquidity
- FIV has a Current Ratio of 1.08. This is a normal value and indicates that FIV is financially healthy and should not expect problems in meeting its short term obligations.
- FIV has a Current ratio of 1.08. This is comparable to the rest of the industry: FIV outperforms 47.27% of its industry peers.
- FIV has a Quick Ratio of 1.08. This is a normal value and indicates that FIV is financially healthy and should not expect problems in meeting its short term obligations.
- FIV has a Quick ratio of 1.08. This is comparable to the rest of the industry: FIV outperforms 47.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
- FIV shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 7.76%.
- FIV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.28% yearly.
- Looking at the last year, FIV shows a small growth in Revenue. The Revenue has grown by 5.16% in the last year.
- The Revenue has been growing by 14.96% on average over the past years. This is quite good.
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
- FIV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.05% yearly.
- Based on estimates for the next years, FIV 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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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 6.51, the valuation of FIV can be described as very cheap.
- Based on the Price/Earnings ratio, FIV is valued cheaper than 87.27% of the companies in the same industry.
- When comparing the Price/Earnings ratio of FIV to the average of the S&P500 Index (27.92), we can say FIV is valued rather cheaply.
- Based on the Price/Forward Earnings ratio of 7.05, the valuation of FIV can be described as very cheap.
- Based on the Price/Forward Earnings ratio, FIV is valued a bit cheaper than the industry average as 74.55% of the companies are valued more expensively.
- FIV's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.51 | ||
| Fwd PE | 7.05 |
4.2 Price Multiples
- 69.09% of the companies in the same industry are more expensive than FIV, based on the Enterprise Value to EBITDA ratio.
- 76.36% of the companies in the same industry are more expensive than FIV, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.94 | ||
| EV/EBITDA | 6.42 |
4.3 Compensation for Growth
- The decent profitability rating of FIV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.36
EPS Next 2Y-2.08%
EPS Next 3Y1.93%
5. Dividend
5.1 Amount
- FIV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:FIV (2/6/2026, 7:00:00 PM)
50.5
+0.8 (+1.6%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)02-10 2026-02-10/amc
Inst Owners92.77%
Inst Owner ChangeN/A
Ins Owners0.13%
Ins Owner ChangeN/A
Market Cap27.16B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts69.27
Price Target80.92 (60.24%)
Short Float %N/A
Short RatioN/A
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)-3%
PT rev (3m)-34.78%
EPS NQ rev (1m)-0.56%
EPS NQ rev (3m)-31.46%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-9.14%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)-6.69%
Revenue NY rev (1m)-0.27%
Revenue NY rev (3m)-4.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.51 | ||
| Fwd PE | 7.05 | ||
| P/S | 1.51 | ||
| P/FCF | 6.94 | ||
| P/OCF | 5.06 | ||
| P/B | 1.28 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.42 |
EPS(TTM)7.76
EY15.37%
EPS(NY)7.17
Fwd EY14.19%
FCF(TTM)7.28
FCFY14.41%
OCF(TTM)9.99
OCFY19.78%
SpS33.35
BVpS39.59
TBVpS-35.44
PEG (NY)N/A
PEG (5Y)0.36
Graham Number83.14
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 | 1.36 |
F-Score7
WACC7.89%
ROIC/WACC1.12
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 / FIV.DE FAQ
What is the ChartMill fundamental rating of FISERV INC (FIV.DE) stock?
ChartMill assigns a fundamental rating of 5 / 10 to FIV.DE.
Can you provide the valuation status for FISERV INC?
ChartMill assigns a valuation rating of 7 / 10 to FISERV INC (FIV.DE). This can be considered as Undervalued.
What is the profitability of FIV stock?
FISERV INC (FIV.DE) has a profitability rating of 7 / 10.
What is the earnings growth outlook for FISERV INC?
The Earnings per Share (EPS) of FISERV INC (FIV.DE) is expected to decline by -1.03% in the next year.