FISV
Fiserv
$47.18
▼ 1.4%Updated Today 7:15 PM ET
▼ Down 70.7% over the last 12 months
Market Cap
$25.52B
P/E
7.91x
Forward P/E (est.)
7.58x
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)
-6.7%
Rating Score
50/100
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 $47.18, below its 50-day average ($56.96) and 200-day average ($74.93). 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 32 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 negative — short-term momentum is fading.
Volatility — ATR. Average True Range is the typical daily move. FISV's is $2.61 (~5.5% 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 $47.37 (support) and sellers near $59.08 (resistance); its 52-week range is $47.37–$177.36. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.5× the 20-day average — heavier than usual, which adds conviction to the move. 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.
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 $25.52B.
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.
4Y CAGR
6.9%
Revenue moved from $16.23B in 2021 to $21.19B in 2025, a 6.9% 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
7.91x
P/S
1.24x
P/B
1.35x
EV / EBITDA
3.23x
FISV trades at 7.9x trailing earnings (about 7.6x on estimated forward earnings), 1.2x sales, and 1.3x book value. Reverse-engineering today's price implies the market expects roughly -6.7% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. 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 (76 S&P 500 companies), FISV ranks #64 of 76 by our overall rating. It trades at a discount versus the sector on earnings (7.9x P/E vs. 15.2x median) with a lower return on equity (12.5% vs. 15.3%) and slower revenue growth (1.9% vs. 9.1%).
P/E vs sector
7.9x
median 15.2x
ROE vs sector
12.5%
median 15.3%
Growth vs sector
1.9%
median 9.1%
Sector rank
#64
of 76 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 76 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)
$36.86 – $58.97
vs. $47.18 today · expected CAGR -5% – 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 | $6.55 | $6.75 | $6.95 | $7.16 | $7.37 |
| Share price (low) | $32.75 | $33.73 | $34.74 | $35.78 | $36.86 |
| Share price (high) | $52.40 | $53.97 | $55.59 | $57.26 | $58.97 |
| CAGR (low–high) | -31% / 11% | -15% / 7% | -10% / 6% | -7% / 5% | -5% / 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 7.9x earnings, which our model scores Neutral (50/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
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.