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

  • ZGY had positive earnings in the past year.
  • 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.
  • ZGY had a positive operating cash flow in each of the past 5 years.
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 of 2.74%. This is comparable to the rest of the industry: ZGY outperforms 48.28% of its industry peers.
  • The Return On Invested Capital of ZGY (4.72%) is better than 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 9.16%.
  • The last Return On Invested Capital (4.72%) for ZGY is above the 3 year average (4.02%), which is a sign of increasing profitability.
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 has a Profit Margin of 3.57%. This is comparable 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.
  • ZGY has a Operating Margin of 16.91%. This is comparable to the rest of the industry: ZGY outperforms 56.90% of its industry peers.
  • In the last couple of years the Operating Margin of ZGY has grown nicely.
  • 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

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), ZGY is destroying value.
  • Compared to 1 year ago, ZGY has less shares outstanding
  • 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.
  • ZGY has a debt to FCF ratio of 7.16. This is a slightly negative value and a sign of low solvency as ZGY would need 7.16 years to pay back of all of its debts.
  • ZGY has a Debt to FCF ratio of 7.16. This is comparable to the rest of the industry: ZGY outperforms 56.90% of its industry peers.
  • ZGY has a Debt/Equity ratio of 0.85. This is a neutral value indicating ZGY is somewhat dependend on debt financing.
  • The Debt to Equity ratio of ZGY (0.85) is worse than 63.79% of its industry peers.
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

  • ZGY has a Current 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.
  • ZGY has a worse Current ratio (0.59) than 72.41% of its industry peers.
  • A Quick Ratio of 0.59 indicates that ZGY may have some problems paying its short term obligations.
  • The Quick ratio of ZGY (0.59) is worse than 72.41% of its industry peers.
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.
  • The Earnings Per Share has been growing slightly by 1.04% on average over the past years.
  • Looking at the last year, ZGY shows a small growth in Revenue. The Revenue has grown by 5.43% in the last year.
  • Measured over the past years, ZGY shows a decrease in Revenue. The Revenue has been decreasing by -3.18% on average per year.
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

  • The Earnings Per Share is expected to grow by 8.35% on average over the next years. This is quite good.
  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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.
  • 75.86% of the companies in the same industry are more expensive than ZGY, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 26.64. ZGY is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 7.92, the valuation of ZGY can be described as very cheap.
  • 72.41% of the companies in the same industry are more expensive than ZGY, based on the Price/Forward Earnings ratio.
  • ZGY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
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

  • 65.52% of the companies in the same industry are more expensive than ZGY, based on the Enterprise Value to EBITDA ratio.
  • 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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • ZGY has a very decent profitability rating, which 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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. ZGY.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.57%, ZGY has a reasonable but not impressive dividend return.
  • ZGY's Dividend Yield is a higher than the industry average which is at 2.67.
  • Compared to an average S&P500 Dividend Yield of 1.80, 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

  • 222.31% of the earnings are spent on dividend by ZGY. 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
Industry Strength32.3
Industry Growth76.4
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 Number51.1873 (17.9%)
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.


Can you provide the profitability details for FIDELITY NATIONAL INFO SERV?

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


What is the valuation of FIDELITY NATIONAL INFO SERV based on its PE and PB ratios?

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


Is the dividend of FIDELITY NATIONAL INFO SERV sustainable?

The dividend rating of FIDELITY NATIONAL INFO SERV (ZGY.DE) is 5 / 10 and the dividend payout ratio is 222.31%.