FISERV INC (FIV.DE) Fundamental Analysis & Valuation

FRA:FIV • US3377381088

Current stock price

47.765 EUR
+1.15 (+2.46%)
Last:

This FIV.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. FIV.DE Profitability Analysis

1.1 Basic Checks

  • FIV had positive earnings in the past year.
  • In the past year FIV had a positive cash flow from operations.
  • In the past 5 years FIV has always been profitable.
  • FIV had a positive operating cash flow in each of the past 5 years.
FIV.DE Yearly Net Income VS EBIT VS OCF VS FCFFIV.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

1.2 Ratios

  • FIV has a Return On Assets of 4.34%. This is in the better half of the industry: FIV outperforms 75.00% of its industry peers.
  • The Return On Equity of FIV (13.49%) is better than 67.86% of its industry peers.
  • FIV's Return On Invested Capital of 8.45% is fine compared to the rest of the industry. FIV outperforms 75.00% of its industry peers.
  • FIV had an Average Return On Invested Capital over the past 3 years of 8.12%. This is below the industry average of 11.16%.
  • The last Return On Invested Capital (8.45%) for FIV is above the 3 year average (8.12%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROIC 8.45%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
FIV.DE Yearly ROA, ROE, ROICFIV.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40 50

1.3 Margins

  • With a decent Profit Margin value of 16.42%, FIV is doing good in the industry, outperforming 64.29% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FIV has grown nicely.
  • FIV has a better Operating Margin (26.89%) than 71.43% of its industry peers.
  • In the last couple of years the Operating Margin of FIV has grown nicely.
  • Looking at the Gross Margin, with a value of 59.36%, FIV is in line with its industry, outperforming 58.93% of the companies in the same industry.
  • FIV's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
FIV.DE Yearly Profit, Operating, Gross MarginsFIV.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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3

2. FIV.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so FIV is still creating some value.
  • The number of shares outstanding for FIV has been reduced compared to 1 year ago.
  • Compared to 5 years ago, FIV has less shares outstanding
  • Compared to 1 year ago, FIV has a worse debt to assets ratio.
FIV.DE Yearly Shares OutstandingFIV.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
FIV.DE Yearly Total Debt VS Total AssetsFIV.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • FIV has an Altman-Z score of 1.31. 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 1.31 is in line compared to the rest of the industry. FIV outperforms 50.00% of its industry peers.
  • The Debt to FCF ratio of FIV is 6.75, which is on the high side as it means it would take FIV, 6.75 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FIV (6.75) is comparable to the rest of the industry.
  • FIV has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of FIV (1.08) is worse than 67.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Altman-Z 1.31
ROIC/WACC1.17
WACC7.2%
FIV.DE Yearly LT Debt VS Equity VS FCFFIV.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.3 Liquidity

  • FIV has a Current Ratio of 1.03. This is a normal value and indicates that FIV is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Current ratio, with a value of 1.03, FIV is doing worse than 62.50% of the companies in the same industry.
  • A Quick Ratio of 1.03 indicates that FIV should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.03, FIV is doing worse than 62.50% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
FIV.DE Yearly Current Assets VS Current LiabilitesFIV.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. FIV.DE Growth Analysis

3.1 Past

  • FIV shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -2.04%.
  • FIV shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.35% yearly.
  • FIV shows a small growth in Revenue. In the last year, the Revenue has grown by 3.60%.
  • Measured over the past years, FIV shows a small growth in Revenue. The Revenue has been growing by 7.37% on average per year.
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%

3.2 Future

  • FIV is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.22% yearly.
  • FIV is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.88% yearly.
EPS Next Y-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue Next Year2.06%
Revenue Next 2Y2.99%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%

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 stable.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FIV.DE Yearly Revenue VS EstimatesFIV.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 5B 10B 15B 20B 25B
FIV.DE Yearly EPS VS EstimatesFIV.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5 10 15

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7

4. FIV.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.35, the valuation of FIV can be described as very cheap.
  • FIV's Price/Earnings ratio is rather cheap when compared to the industry. FIV is cheaper than 85.71% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.75. FIV is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 6.62 indicates a rather cheap valuation of FIV.
  • 80.36% of the companies in the same industry are more expensive than FIV, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.10, FIV is valued rather cheaply.
Industry RankSector Rank
PE 6.35
Fwd PE 6.62
FIV.DE Price Earnings VS Forward Price EarningsFIV.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • FIV's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. FIV is cheaper than 71.43% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, FIV is valued a bit cheaper than the industry average as 78.57% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 6.82
EV/EBITDA 6.49
FIV.DE Per share dataFIV.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • FIV has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.44
EPS Next 2Y3.31%
EPS Next 3Y5.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FIV.DE Dividend Analysis

5.1 Amount

  • No dividends for FIV!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FIV.DE Fundamentals: All Metrics, Ratios and Statistics

FISERV INC

FRA:FIV (3/30/2026, 7:00:00 PM)

47.765

+1.15 (+2.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-10
Earnings (Next)04-22
Inst Owners93.69%
Inst Owner ChangeN/A
Ins Owners0.27%
Ins Owner ChangeN/A
Market Cap25.54B
Revenue(TTM)21.19B
Net Income(TTM)3.48B
Analysts68.1
Price Target74.48 (55.93%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-10.74%
Min EPS beat(2)-24.31%
Max EPS beat(2)2.84%
EPS beat(4)2
Avg EPS beat(4)-5.19%
Min EPS beat(4)-24.31%
Max EPS beat(4)2.84%
EPS beat(8)3
Avg EPS beat(8)-2.39%
EPS beat(12)3
Avg EPS beat(12)-1.85%
EPS beat(16)4
Avg EPS beat(16)-1.87%
Revenue beat(2)0
Avg Revenue beat(2)-6.18%
Min Revenue beat(2)-10.04%
Max Revenue beat(2)-2.31%
Revenue beat(4)1
Avg Revenue beat(4)-2.6%
Min Revenue beat(4)-10.04%
Max Revenue beat(4)3.91%
Revenue beat(8)5
Avg Revenue beat(8)0.78%
Revenue beat(12)9
Avg Revenue beat(12)1.82%
Revenue beat(16)13
Avg Revenue beat(16)2.67%
PT rev (1m)0%
PT rev (3m)-10.71%
EPS NQ rev (1m)-1.66%
EPS NQ rev (3m)-11.28%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-3.09%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)-1.77%
Revenue NY rev (1m)-0.13%
Revenue NY rev (3m)-0.65%
Valuation
Industry RankSector Rank
PE 6.35
Fwd PE 6.62
P/S 1.38
P/FCF 6.82
P/OCF 4.84
P/B 1.14
P/tB N/A
EV/EBITDA 6.49
EPS(TTM)7.52
EY15.74%
EPS(NY)7.21
Fwd EY15.1%
FCF(TTM)7
FCFY14.66%
OCF(TTM)9.87
OCFY20.67%
SpS34.51
BVpS42
TBVpS-35.94
PEG (NY)N/A
PEG (5Y)0.44
Graham Number84.3
Profitability
Industry RankSector Rank
ROA 4.34%
ROE 13.49%
ROCE 10.13%
ROIC 8.45%
ROICexc 8.57%
ROICexgc 62.67%
OM 26.89%
PM (TTM) 16.42%
GM 59.36%
FCFM 20.29%
ROA(3y)3.93%
ROA(5y)3.31%
ROE(3y)11.78%
ROE(5y)9.57%
ROIC(3y)8.12%
ROIC(5y)6.6%
ROICexc(3y)8.28%
ROICexc(5y)6.72%
ROICexgc(3y)59.9%
ROICexgc(5y)49.74%
ROCE(3y)9.76%
ROCE(5y)7.94%
ROICexgc growth 3Y14.97%
ROICexgc growth 5Y26.59%
ROICexc growth 3Y16.35%
ROICexc growth 5Y31.67%
OM growth 3Y8.83%
OM growth 5Y21.44%
PM growth 3Y4.81%
PM growth 5Y20.55%
GM growth 3Y2.61%
GM growth 5Y4.6%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 6.75
Debt/EBITDA 3.13
Cap/Depr 55.77%
Cap/Sales 8.32%
Interest Coverage 4.05
Cash Conversion 68.43%
Profit Quality 123.53%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z 1.31
F-Score5
WACC7.2%
ROIC/WACC1.17
Cap/Depr(3y)50.31%
Cap/Depr(5y)46.78%
Cap/Sales(3y)7.75%
Cap/Sales(5y)7.75%
Profit Quality(3y)136.07%
Profit Quality(5y)149.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-2.04%
EPS 3Y9.95%
EPS 5Y14.35%
EPS Q2Q%-20.72%
EPS Next Y-4.12%
EPS Next 2Y3.31%
EPS Next 3Y5.46%
EPS Next 5Y13.22%
Revenue 1Y (TTM)3.6%
Revenue growth 3Y6.11%
Revenue growth 5Y7.37%
Sales Q2Q%-6.68%
Revenue Next Year2.06%
Revenue Next 2Y2.99%
Revenue Next 3Y3.15%
Revenue Next 5Y3.88%
EBIT growth 1Y-3.28%
EBIT growth 3Y15.48%
EBIT growth 5Y30.39%
EBIT Next Year16.43%
EBIT Next 3Y7.11%
EBIT Next 5Y6.45%
FCF growth 1Y-15.07%
FCF growth 3Y11.05%
FCF growth 5Y5.77%
OCF growth 1Y-8.58%
OCF growth 3Y9.49%
OCF growth 5Y7.89%

FISERV INC / FIV.DE Fundamental Analysis 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 8 / 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 -4.12% in the next year.