FISV
Fiserv
$52.13
▼ 3.7%Updated Today 11:30 AM ET
FISV at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 50/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▼ Down 70.7% over the last 12 months
Market Cap
$27.91B
P/E
8.61x
Forward P/E (est.)
8.26x
ROE
12.5%
Revenue Growth
1.9%
EPS Growth
4.3%
Profit Margin
15.2%
FCF Yield
16.8%
Debt / Equity
1.12x
ROIC
16.0%
Interest Coverage
5.79x
Current Ratio
1.06x
Dividend Yield
—
Implied Growth (rev. DCF)
-5.6%
Rating Score
50/100
Fiserv (FISV) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $27.91B.
In its latest reported year it generated about $21.19B in revenue and $3.48B in net profit.
Our model rates FISV Neutral (50/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The filed history looks like a business competitors struggle to attack: high and steady margins, revenue that grows through cycles, and strong returns on capital.
27.5% average over the last 3 years
±6.0 pts around 23.7% across 9 years
grew in 9 of the last 9 year-over-year periods
positive in 7 of 7 years
16.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what FISV's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. FISV trades near $52.13, below its 50-day average ($54.86) and 200-day average ($71.04). Price below both averages is a downtrend — momentum is against buyers for now.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 48 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. FISV's is $2.31 (~4.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month FISV found buyers near $47.04 (support) and sellers near $57.02 (resistance); its 52-week range is $47.04–$175.92. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.0× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
6.9%
Revenue moved from $5.25B in 2015 to $21.19B in 2025, a 16.8% compound annual growth rate. The most recent year was roughly flat (1.9%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
58.1%
Operating Margin
27.5%
Net Margin
16.4%
ROE
12.5%
Fiserv keeps about 15.2% of each sales dollar as net profit, with a 58.1% gross margin and 27.5% operating margin. Return on equity is 12.5% and return on invested capital about 16.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$3.23B
Net Debt
$2.40B
Net Debt / EBITDA
0.41x
Debt / Equity
1.12x
Leverage: debt-to-equity is 1.1x, and operating profit covers interest about 5.8x, with a current ratio of 1.1x. That is a moderate, manageable debt load for most businesses. It carries roughly $3.23B of total debt against $829.00M of cash.
Operating CF
$6.06B
Free Cash Flow
$4.30B
FCF Margin
20.3%
In the latest year Fiserv produced about $6.06B of operating cash flow and $4.30B of free cash flow after capital spending. That is a free-cash-flow yield of about 16.8% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.
P/E
8.61x
P/S
1.24x
P/B
1.47x
EV / EBITDA
—
FISV trades at 8.6x trailing earnings (about 8.3x on estimated forward earnings), 1.2x sales, and 1.5x book value. Reverse-engineering today's price implies the market expects roughly -5.6% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$122.66
Current price
$52.13
Starting FCF (latest 10-K)
$4.30B
Growth, years 1–5
1.9%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where FISV sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How FISV stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), FISV ranks #113 of 289 by our overall rating. It trades at a discount versus the sector on earnings (8.6x P/E vs. 15.8x median) with a lower return on equity (12.5% vs. 13.6%) and slower revenue growth (1.9% vs. 15.9%).
P/E vs sector
8.6x
median 15.8x
ROE vs sector
12.5%
median 13.6%
Growth vs sector
1.9%
median 15.9%
Sector rank
#113
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $52.13 today · expected CAGR -7% – 5%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $21.83B | $22.48B | $23.16B | $23.85B | $24.57B |
| Net income | $3.49B | $3.60B | $3.71B | $3.82B | $3.93B |
| EPS | $6.52 | $6.72 | $6.92 | $7.13 | $7.34 |
| Share price (low) | $32.62 | $33.60 | $34.61 | $35.65 | $36.72 |
| Share price (high) | $58.72 | $60.48 | $62.30 | $64.17 | $66.09 |
| CAGR (low–high) | -37% / 13% | -20% / 8% | -13% / 6% | -9% / 5% | -7% / 5% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for FISV:
- High net margins (15.2%) point to pricing power or efficiency.
- Healthy free-cash-flow yield (~16.8%) funds buybacks and dividends.
The case against FISV:
- Revenue growth is slow (1.9%), limiting the upside engine.
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Balance-sheet risk — debt/equity of 1.1x magnifies the impact of higher rates or weaker earnings.
Growth risk — sluggish revenue (1.9%) leaves little margin for execution missteps.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Fiserv is a large-cap financials business growing at a mature pace, with solid profitability, and a heavier debt load to watch. It trades at 8.6x earnings, which our model scores Neutral (50/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 43 Wall Street analysts covering FISV recommend (August 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Latest SEC Filings
FISV's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
FISV — frequently asked questions
Is FISV a good stock to buy?
We don't give buy or sell advice. Our model rates Fiserv Neutral (50/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is FISV's rating on The Stocks School?
Fiserv currently scores 50/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does FISV's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Fiserv's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for FISV calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this FISV analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell FISV. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.