FISERV INC (FIV.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:FIV - US3377381088 - Common Stock
57.53 EUR
-1.1 (-1.88%)
Overall FIV gets a fundamental rating of 5 out of 10. We evaluated FIV against 56 industry peers in the Financial Services industry. While FIV belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. FIV may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
FIV had positive earnings in the past year.
FIV had a positive operating cash flow in the past year.
In the past 5 years FIV has always been profitable.
Each year in the past 5 years FIV had a positive operating cash flow.
1.2 Ratios
The Return On Assets of FIV (4.54%) is better than 74.58% of its industry peers.
Looking at the Return On Equity, with a value of 14.36%, FIV is in the better half of the industry, outperforming 72.88% of the companies in the same industry.
FIV has a Return On Invested Capital of 8.87%. This is in the better half of the industry: FIV outperforms 76.27% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FIV is in line with the industry average of 8.78%.
The last Return On Invested Capital (8.87%) for FIV 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
Looking at the Profit Margin, with a value of 17.05%, FIV is in the better half of the industry, outperforming 69.49% of the companies in the same industry.
In the last couple of years the Profit Margin of FIV has grown nicely.
FIV has a Operating Margin of 28.72%. This is in the better half of the industry: FIV outperforms 77.97% of its industry peers.
FIV's Operating Margin has improved in the last couple of years.
With a decent Gross Margin value of 60.48%, FIV is doing good in the industry, outperforming 61.02% of the companies in the same industry.
In the last couple of years the Gross Margin of FIV has grown nicely.
| 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
FIV has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
The number of shares outstanding for FIV has been reduced compared to 1 year ago.
FIV has less shares outstanding than it did 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 1.41. This is a bad value and indicates that FIV is not financially healthy and even has some risk of bankruptcy.
FIV's Altman-Z score of 1.41 is in line compared to the rest of the industry. FIV outperforms 55.93% of its industry peers.
The Debt to FCF ratio of FIV is 6.54, which is on the high side as it means it would take FIV, 6.54 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FIV (6.54) is better than 61.02% of its industry peers.
A Debt/Equity ratio of 1.15 is on the high side and indicates that FIV has dependencies on debt financing.
FIV's Debt to Equity ratio of 1.15 is on the low side compared to the rest of the industry. FIV is outperformed by 67.80% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.15 | ||
| Debt/FCF | 6.54 | ||
| Altman-Z | 1.41 |
ROIC/WACC1.33
WACC6.69%
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.
With a Current ratio value of 1.08, FIV perfoms like the industry average, outperforming 44.07% of the companies in the same industry.
A Quick Ratio of 1.08 indicates that FIV should not have too much problems paying its short term obligations.
FIV has a Quick ratio of 1.08. This is comparable to the rest of the industry: FIV outperforms 45.76% 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%.
The Earnings Per Share has been growing by 18.28% on average over the past years. This is quite good.
FIV shows a small growth in Revenue. In the last year, the Revenue has grown by 5.16%.
FIV 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
FIV is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.04% yearly.
The Revenue is expected to grow by 3.40% on average over the next years.
EPS Next Y-0.59%
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
EPS Next 5YN/A
Revenue Next Year3.58%
Revenue Next 2Y3.01%
Revenue Next 3Y3.4%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last 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
A Price/Earnings ratio of 7.40 indicates a rather cheap valuation of FIV.
Compared to the rest of the industry, the Price/Earnings ratio of FIV indicates a rather cheap valuation: FIV is cheaper than 84.75% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FIV to the average of the S&P500 Index (26.92), we can say FIV is valued rather cheaply.
A Price/Forward Earnings ratio of 7.93 indicates a rather cheap valuation of FIV.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FIV indicates a rather cheap valuation: FIV is cheaper than 84.75% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.46. FIV is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.93 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FIV is valued a bit cheaper than 74.58% of the companies in the same industry.
79.66% 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 | 7.9 | ||
| EV/EBITDA | 6.95 |
4.3 Compensation for Growth
The excellent profitability rating of FIV may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2Y-1.55%
EPS Next 3Y2.04%
5. Dividend
5.1 Amount
FIV does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
FRA:FIV (12/23/2025, 7:00:00 PM)
57.53
-1.1 (-1.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.78%
Inst Owner ChangeN/A
Ins Owners0.1%
Ins Owner ChangeN/A
Market Cap30.94B
Revenue(TTM)21.16B
Net Income(TTM)3.61B
Analysts70.24
Price Target83.42 (45%)
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)-32.76%
PT rev (3m)-32.76%
EPS NQ rev (1m)-0.08%
EPS NQ rev (3m)-31.07%
EPS NY rev (1m)-3.67%
EPS NY rev (3m)-8.74%
Revenue NQ rev (1m)-0.41%
Revenue NQ rev (3m)-7.01%
Revenue NY rev (1m)-1.23%
Revenue NY rev (3m)-3.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.4 | ||
| Fwd PE | 7.93 | ||
| P/S | 1.72 | ||
| P/FCF | 7.9 | ||
| P/OCF | 5.75 | ||
| P/B | 1.45 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.95 |
EPS(TTM)7.77
EY13.51%
EPS(NY)7.25
Fwd EY12.61%
FCF(TTM)7.29
FCFY12.66%
OCF(TTM)10
OCFY17.38%
SpS33.38
BVpS39.63
TBVpS-35.48
PEG (NY)N/A
PEG (5Y)0.41
Graham Number83.23
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
WACC6.69%
ROIC/WACC1.33
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 5YN/A
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 5YN/A
EBIT growth 1Y7.12%
EBIT growth 3Y36.67%
EBIT growth 5Y29.06%
EBIT Next Year24.2%
EBIT Next 3Y7.96%
EBIT Next 5YN/A
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.
What is the valuation status of FISERV INC (FIV.DE) stock?
ChartMill assigns a valuation rating of 7 / 10 to FISERV INC (FIV.DE). This can be considered as Undervalued.
How profitable is FISERV INC (FIV.DE) stock?
FISERV INC (FIV.DE) has a profitability rating of 8 / 10.
What is the valuation of FISERV INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for FISERV INC (FIV.DE) is 7.4 and the Price/Book (PB) ratio is 1.45.
How financially healthy is FISERV INC?
The financial health rating of FISERV INC (FIV.DE) is 4 / 10.