FIDELITY NATIONAL INFO SERV (ZGY.DE) Fundamental Analysis & Valuation

FRA:ZGY • US31620M1062

Current stock price

43.415 EUR
+2.52 (+6.18%)
Last:

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

6

1. ZGY.DE Profitability Analysis

1.1 Basic Checks

  • In the past year ZGY was profitable.
  • In the past year ZGY had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: ZGY reported negative net income in multiple years.
  • Each year in the past 5 years ZGY had a positive operating cash flow.
ZGY.DE Yearly Net Income VS EBIT VS OCF VS FCFZGY.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 0 -5B -10B -15B

1.2 Ratios

  • With a Return On Assets value of 1.14%, ZGY perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • ZGY has a Return On Equity (2.74%) which is in line with its industry peers.
  • ZGY's Return On Invested Capital of 4.72% is fine compared to the rest of the industry. ZGY outperforms 67.24% of its industry peers.
  • ZGY had an Average Return On Invested Capital over the past 3 years of 4.02%. This is significantly below the industry average of 11.16%.
  • The 3 year average ROIC (4.02%) for ZGY is below the current ROIC(4.72%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.14%
ROE 2.74%
ROIC 4.72%
ROA(3y)-2.22%
ROA(5y)-6.53%
ROE(3y)-7.65%
ROE(5y)-16.72%
ROIC(3y)4.02%
ROIC(5y)3.04%
ZGY.DE Yearly ROA, ROE, ROICZGY.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -20 -40 -60

1.3 Margins

  • ZGY's Profit Margin of 3.57% is in line compared to the rest of the industry. ZGY outperforms 43.10% of its industry peers.
  • In the last couple of years the Profit Margin of ZGY has grown nicely.
  • Looking at the Operating Margin, with a value of 16.91%, ZGY is in line with its industry, outperforming 56.90% of the companies in the same industry.
  • ZGY's Operating Margin has improved in the last couple of years.
  • ZGY has a Gross Margin of 36.86%. This is comparable to the rest of the industry: ZGY outperforms 43.10% of its industry peers.
  • In the last couple of years the Gross Margin of ZGY has grown nicely.
Industry RankSector Rank
OM 16.91%
PM (TTM) 3.57%
GM 36.86%
OM growth 3Y7.78%
OM growth 5Y24.62%
PM growth 3YN/A
PM growth 5Y23.24%
GM growth 3Y1.16%
GM growth 5Y1.94%
ZGY.DE Yearly Profit, Operating, Gross MarginsZGY.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150

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2

2. ZGY.DE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so ZGY is destroying value.
  • The number of shares outstanding for ZGY has been reduced compared to 1 year ago.
  • Compared to 5 years ago, ZGY has less shares outstanding
  • Compared to 1 year ago, ZGY has a worse debt to assets ratio.
ZGY.DE Yearly Shares OutstandingZGY.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M
ZGY.DE Yearly Total Debt VS Total AssetsZGY.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

  • Based on the Altman-Z score of 0.23, we must say that ZGY is in the distress zone and has some risk of bankruptcy.
  • ZGY has a Altman-Z score of 0.23. This is in the lower half of the industry: ZGY underperforms 67.24% of its industry peers.
  • The Debt to FCF ratio of ZGY is 7.16, which is on the high side as it means it would take ZGY, 7.16 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of ZGY (7.16) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 0.85 indicates that ZGY is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.85, ZGY is not doing good in the industry: 63.79% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 7.16
Altman-Z 0.23
ROIC/WACC0.65
WACC7.24%
ZGY.DE Yearly LT Debt VS Equity VS FCFZGY.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 40B

2.3 Liquidity

  • A Current Ratio of 0.59 indicates that ZGY may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.59, ZGY is doing worse than 72.41% of the companies in the same industry.
  • ZGY has a Quick Ratio of 0.59. This is a bad value and indicates that ZGY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.59, ZGY is not doing good in the industry: 72.41% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.59
Quick Ratio 0.59
ZGY.DE Yearly Current Assets VS Current LiabilitesZGY.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

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

5

3. ZGY.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 9.51% over the past year.
  • ZGY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 1.04% yearly.
  • Looking at the last year, ZGY shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
  • ZGY shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -3.18% yearly.
EPS 1Y (TTM)9.51%
EPS 3Y-4.68%
EPS 5Y1.04%
EPS Q2Q%20%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y3.18%
Revenue growth 5Y-3.18%
Sales Q2Q%8.2%

3.2 Future

  • Based on estimates for the next years, ZGY will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.35% on average per year.
  • ZGY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.64% yearly.
EPS Next Y10.01%
EPS Next 2Y10.11%
EPS Next 3Y10.02%
EPS Next 5Y8.35%
Revenue Next Year29.91%
Revenue Next 2Y16.65%
Revenue Next 3Y11.49%
Revenue Next 5Y9.64%

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ZGY.DE Yearly Revenue VS EstimatesZGY.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 5B 10B 15B
ZGY.DE Yearly EPS VS EstimatesZGY.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6

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7

4. ZGY.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.72, the valuation of ZGY can be described as reasonable.
  • ZGY's Price/Earnings ratio is a bit cheaper when compared to the industry. ZGY is cheaper than 75.86% of the companies in the same industry.
  • ZGY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.75.
  • With a Price/Forward Earnings ratio of 7.92, the valuation of ZGY can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ZGY indicates a somewhat cheap valuation: ZGY is cheaper than 72.41% of the companies listed in the same industry.
  • ZGY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.72
Fwd PE 7.92
ZGY.DE Price Earnings VS Forward Price EarningsZGY.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, ZGY is valued a bit cheaper than the industry average as 65.52% of the companies are valued more expensively.
  • ZGY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ZGY is cheaper than 62.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.12
EV/EBITDA 9.44
ZGY.DE Per share dataZGY.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

  • ZGY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of ZGY may justify a higher PE ratio.
PEG (NY)0.87
PEG (5Y)8.39
EPS Next 2Y10.11%
EPS Next 3Y10.02%

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5

5. ZGY.DE Dividend Analysis

5.1 Amount

  • ZGY has a Yearly Dividend Yield of 3.57%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.54, ZGY pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, ZGY pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.57%

5.2 History

  • The dividend of ZGY has a limited annual growth rate of 1.06%.
Dividend Growth(5Y)1.06%
Div Incr YearsN/A
Div Non Decr YearsN/A
ZGY.DE Yearly Dividends per shareZGY.DE Yearly Dividends per shareYearly Dividends per share 2021 2022 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ZGY pays out 222.31% of its income as dividend. This is not a sustainable payout ratio.
  • ZGY's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP222.31%
EPS Next 2Y10.11%
EPS Next 3Y10.02%
ZGY.DE Yearly Income VS Free CF VS DividendZGY.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 -5B -10B -15B
ZGY.DE Dividend Payout.ZGY.DE Dividend Payout, showing the Payout Ratio.ZGY.DE Dividend Payout.PayoutRetained Earnings

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ZGY.DE Fundamentals: All Metrics, Ratios and Statistics

FIDELITY NATIONAL INFO SERV

FRA:ZGY (3/10/2026, 7:00:00 PM)

43.415

+2.52 (+6.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners98.99%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap22.33B
Revenue(TTM)10.68B
Net Income(TTM)381.00M
Analysts76.88
Price Target68.7 (58.24%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.57%
Yearly Dividend1.4
Dividend Growth(5Y)1.06%
DP222.31%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.38%
Min EPS beat(2)-1.34%
Max EPS beat(2)0.58%
EPS beat(4)2
Avg EPS beat(4)-0.44%
Min EPS beat(4)-1.34%
Max EPS beat(4)0.58%
EPS beat(8)6
Avg EPS beat(8)3.9%
EPS beat(12)9
Avg EPS beat(12)3.76%
EPS beat(16)10
Avg EPS beat(16)2.7%
Revenue beat(2)2
Avg Revenue beat(2)1.34%
Min Revenue beat(2)1.23%
Max Revenue beat(2)1.44%
Revenue beat(4)3
Avg Revenue beat(4)0.78%
Min Revenue beat(4)0%
Max Revenue beat(4)1.44%
Revenue beat(8)3
Avg Revenue beat(8)-0.09%
Revenue beat(12)3
Avg Revenue beat(12)-8.27%
Revenue beat(16)4
Avg Revenue beat(16)-14.36%
PT rev (1m)-6.18%
PT rev (3m)-6.18%
EPS NQ rev (1m)-5.29%
EPS NQ rev (3m)-7.22%
EPS NY rev (1m)0.86%
EPS NY rev (3m)-1.03%
Revenue NQ rev (1m)22.18%
Revenue NQ rev (3m)23.59%
Revenue NY rev (1m)21.84%
Revenue NY rev (3m)24.27%
Valuation
Industry RankSector Rank
PE 8.72
Fwd PE 7.92
P/S 2.42
P/FCF 14.12
P/OCF 9.16
P/B 1.86
P/tB N/A
EV/EBITDA 9.44
EPS(TTM)4.98
EY11.47%
EPS(NY)5.48
Fwd EY12.63%
FCF(TTM)3.07
FCFY7.08%
OCF(TTM)4.74
OCFY10.91%
SpS17.96
BVpS23.38
TBVpS-12.95
PEG (NY)0.87
PEG (5Y)8.39
Graham Number51.19
Profitability
Industry RankSector Rank
ROA 1.14%
ROE 2.74%
ROCE 6.98%
ROIC 4.72%
ROICexc 4.88%
ROICexgc 22.36%
OM 16.91%
PM (TTM) 3.57%
GM 36.86%
FCFM 17.11%
ROA(3y)-2.22%
ROA(5y)-6.53%
ROE(3y)-7.65%
ROE(5y)-16.72%
ROIC(3y)4.02%
ROIC(5y)3.04%
ROICexc(3y)4.16%
ROICexc(5y)3.16%
ROICexgc(3y)16.51%
ROICexgc(5y)29.55%
ROCE(3y)5.8%
ROCE(5y)4.38%
ROICexgc growth 3Y-27.09%
ROICexgc growth 5YN/A
ROICexc growth 3Y33.84%
ROICexc growth 5Y44.89%
OM growth 3Y7.78%
OM growth 5Y24.62%
PM growth 3YN/A
PM growth 5Y23.24%
GM growth 3Y1.16%
GM growth 5Y1.94%
F-Score6
Asset Turnover0.32
Health
Industry RankSector Rank
Debt/Equity 0.85
Debt/FCF 7.16
Debt/EBITDA 3.2
Cap/Depr 52.52%
Cap/Sales 9.26%
Interest Coverage 4.5
Cash Conversion 76.36%
Profit Quality 479.53%
Current Ratio 0.59
Quick Ratio 0.59
Altman-Z 0.23
F-Score6
WACC7.24%
ROIC/WACC0.65
Cap/Depr(3y)48.09%
Cap/Depr(5y)45.7%
Cap/Sales(3y)8.42%
Cap/Sales(5y)9.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.51%
EPS 3Y-4.68%
EPS 5Y1.04%
EPS Q2Q%20%
EPS Next Y10.01%
EPS Next 2Y10.11%
EPS Next 3Y10.02%
EPS Next 5Y8.35%
Revenue 1Y (TTM)5.43%
Revenue growth 3Y3.18%
Revenue growth 5Y-3.18%
Sales Q2Q%8.2%
Revenue Next Year29.91%
Revenue Next 2Y16.65%
Revenue Next 3Y11.49%
Revenue Next 5Y9.64%
EBIT growth 1Y2.5%
EBIT growth 3Y11.21%
EBIT growth 5Y20.65%
EBIT Next Year93.12%
EBIT Next 3Y27.96%
EBIT Next 5Y20.74%
FCF growth 1Y45.69%
FCF growth 3Y-14.69%
FCF growth 5Y-11.22%
OCF growth 1Y35.97%
OCF growth 3Y-10.58%
OCF growth 5Y-8.71%

FIDELITY NATIONAL INFO SERV / ZGY.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for FIDELITY NATIONAL INFO SERV?

ChartMill assigns a fundamental rating of 5 / 10 to ZGY.DE.


Can you provide the valuation status for FIDELITY NATIONAL INFO SERV?

ChartMill assigns a valuation rating of 6 / 10 to FIDELITY NATIONAL INFO SERV (ZGY.DE). This can be considered as Fairly Valued.


How profitable is FIDELITY NATIONAL INFO SERV (ZGY.DE) stock?

FIDELITY NATIONAL INFO SERV (ZGY.DE) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for ZGY stock?

The Price/Earnings (PE) ratio for FIDELITY NATIONAL INFO SERV (ZGY.DE) is 8.72 and the Price/Book (PB) ratio is 1.86.


What is the expected EPS growth for FIDELITY NATIONAL INFO SERV (ZGY.DE) stock?

The Earnings per Share (EPS) of FIDELITY NATIONAL INFO SERV (ZGY.DE) is expected to grow by 10.01% in the next year.