(FI) Fiserv - Ratings and Ratios
Payments, Banking, Processing, POS, Digital
FI EPS (Earnings per Share)
FI Revenue
Description: FI Fiserv September 26, 2025
Fiserv, Inc. (NYSE:FI) delivers a broad suite of payments and financial-services technology across 6 continents, operating primarily through two segments-Merchant Solutions and Financial Solutions. Its product portfolio spans merchant acquiring, digital commerce, mobile payments, fraud-prevention, stored-value, SaaS, and its Clover POS platform, sold via direct teams, ISVs, financial institutions, and other strategic partners.
The firm also processes debit and credit card transactions, offers debit-network and bill-payment services, supports person-to-person and account-to-account transfers, and provides a full stack of back-office functions-including prepaid card issuance, card production, check processing, ACH, real-time payments, government and student-loan processing, and digital-banking solutions for banks, credit unions, fintechs, and public-sector clients.
Founded in 1984 and headquartered in Milwaukee, Wisconsin, Fiserv serves a diverse client base ranging from large enterprises and major banks to small-business merchants and fintech innovators.
Key recent metrics (FY 2023): revenue of $15.9 billion, net income of $2.2 billion, and diluted EPS of $5.40, representing a 6 % YoY revenue growth driven largely by expanding digital-payment volumes and the integration of its 2022 acquisition of Finxact, a cloud-native core-banking platform. The company processed roughly $10 trillion in payments during the year, a figure that tracks with the broader industry shift toward real-time and open-banking transactions.
Sector drivers to watch: (1) Accelerating adoption of real-time payments and APIs, which is boosting demand for Fiserv’s Instant Payments and open-banking solutions; (2) Rising consumer spending on e-commerce and mobile wallets, which underpins growth in its merchant-acquiring and digital-commerce lines; and (3) Regulatory pressure on fraud and data security, increasing the value of its security and fraud-protection offerings. These macro trends suggest a favorable tailwind for the company, but execution risk around integration of new cloud platforms and competitive pressure from emerging fintechs remain material uncertainties.
For a deeper quantitative dive, the ValueRay platform offers a granular breakdown of FI’s valuation metrics and peer comparisons.
FI Stock Overview
| Market Cap in USD | 35,869m |
| Sub-Industry | Internet Services & Infrastructure |
| IPO / Inception | 2013-08-09 |
FI Stock Ratings
| Growth Rating | -45.3% |
| Fundamental | 77.0% |
| Dividend Rating | 5.76% |
| Return 12m vs S&P 500 | -73.2% |
| Analyst Rating | 4.36 of 5 |
FI Dividends
Currently no dividends paidFI Growth Ratios
| Growth Correlation 3m | -88% |
| Growth Correlation 12m | -85.8% |
| Growth Correlation 5y | 72.4% |
| CAGR 5y | -13.29% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.18 |
| CAGR/Mean DD 3y (Pain Ratio) | -1.34 |
| Sharpe Ratio 12m | 0.13 |
| Alpha | -86.83 |
| Beta | 0.950 |
| Volatility | 90.37% |
| Current Volume | 16480.6k |
| Average Volume 20d | 4196k |
| Stop Loss | 60.6 (-6%) |
| Signal | -0.51 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (3.61b TTM) > 0 and > 6% of Revenue (6% = 1.27b TTM) |
| FCFTA 0.07 (>2.0%) and ΔFCFTA 1.87pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 8.42% (prev 7.75%; Δ 0.67pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 6.34b > Net Income 3.61b (YES >=105%, WARN >=100%) |
| Net Debt (29.13b) to EBITDA (8.84b) ratio: 3.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.08 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (541.8m) change vs 12m ago -6.08% (target <= -2.0% for YES) |
| Gross Margin 60.48% (prev 61.06%; Δ -0.58pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 26.59% (prev 25.22%; Δ 1.37pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.04 (EBITDA TTM 8.84b / Interest Expense TTM 1.47b) >= 6 (WARN >= 3) |
Altman Z'' 2.22
| (A) 0.02 = (Total Current Assets 24.16b - Total Current Liabilities 22.38b) / Total Assets 79.37b |
| (B) 0.33 = Retained Earnings (Balance) 26.24b / Total Assets 79.37b |
| (C) 0.07 = EBIT TTM 5.95b / Avg Total Assets 79.58b |
| (D) 0.47 = Book Value of Equity 25.27b / Total Liabilities 54.23b |
| Total Rating: 2.22 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 77.02
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 9.14% = 4.57 |
| 3. FCF Margin 28.07% = 7.02 |
| 4. Debt/Equity 1.20 = 1.82 |
| 5. Debt/Ebitda 3.30 = -2.13 |
| 6. ROIC - WACC (= 3.67)% = 4.59 |
| 7. RoE 13.97% = 1.16 |
| 8. Rev. Trend 93.52% = 7.01 |
| 9. EPS Trend 59.44% = 2.97 |
What is the price of FI shares?
Over the past week, the price has changed by -48.92%, over one month by -48.46%, over three months by -52.66% and over the past year by -67.91%.
Is Fiserv a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FI is around 41.06 USD . This means that FI is currently overvalued and has a potential downside of -36.29%.
Is FI a buy, sell or hold?
- Strong Buy: 23
- Buy: 11
- Hold: 3
- Sell: 0
- Strong Sell: 2
What are the forecasts/targets for the FI price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 107.2 | 66.4% |
| Analysts Target Price | 107.2 | 66.4% |
| ValueRay Target Price | 44.6 | -30.8% |
FI Fundamental Data Overview November 04, 2025
P/E Trailing = 10.3076
P/E Forward = 10.6045
P/S = 1.6951
P/B = 2.7112
P/EG = 0.5123
Beta = 0.95
Revenue TTM = 21.16b USD
EBIT TTM = 5.95b USD
EBITDA TTM = 8.84b USD
Long Term Debt = 23.07b USD (from longTermDebt, last fiscal year)
Short Term Debt = 1.32b USD (from shortTermDebt, last quarter)
Debt = 30.20b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 29.13b USD (from netDebt column, last quarter)
Enterprise Value = 65.00b USD (35.87b + Debt 30.20b - CCE 1.07b)
Interest Coverage Ratio = 4.04 (Ebit TTM 5.95b / Interest Expense TTM 1.47b)
FCF Yield = 9.14% (FCF TTM 5.94b / Enterprise Value 65.00b)
FCF Margin = 28.07% (FCF TTM 5.94b / Revenue TTM 21.16b)
Net Margin = 17.05% (Net Income TTM 3.61b / Revenue TTM 21.16b)
Gross Margin = 60.48% ((Revenue TTM 21.16b - Cost of Revenue TTM 8.36b) / Revenue TTM)
Gross Margin QoQ = 58.86% (prev 61.82%)
Tobins Q-Ratio = 0.82 (Enterprise Value 65.00b / Total Assets 79.37b)
Interest Expense / Debt = 1.40% (Interest Expense 422.0m / Debt 30.20b)
Taxrate = 17.80% (173.0m / 972.0m)
NOPAT = 4.89b (EBIT 5.95b * (1 - 17.80%))
Current Ratio = 1.08 (Total Current Assets 24.16b / Total Current Liabilities 22.38b)
Debt / Equity = 1.20 (Debt 30.20b / totalStockholderEquity, last quarter 25.12b)
Debt / EBITDA = 3.30 (Net Debt 29.13b / EBITDA 8.84b)
Debt / FCF = 4.90 (Net Debt 29.13b / FCF TTM 5.94b)
Total Stockholder Equity = 25.82b (last 4 quarters mean from totalStockholderEquity)
RoA = 4.54% (Net Income 3.61b / Total Assets 79.37b)
RoE = 13.97% (Net Income TTM 3.61b / Total Stockholder Equity 25.82b)
RoCE = 12.16% (EBIT 5.95b / Capital Employed (Equity 25.82b + L.T.Debt 23.07b))
RoIC = 9.37% (NOPAT 4.89b / Invested Capital 52.18b)
WACC = 5.69% (E(35.87b)/V(66.07b) * Re(9.52%) + D(30.20b)/V(66.07b) * Rd(1.40%) * (1-Tc(0.18)))
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.19%
[DCF Debug] Terminal Value 76.79% ; FCFE base≈5.36b ; Y1≈6.61b ; Y5≈11.27b
Fair Price DCF = 273.7 (DCF Value 147.19b / Shares Outstanding 537.9m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 59.44 | EPS CAGR: 124.8% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.52 | Revenue CAGR: 4.76% | SUE: -0.21 | # QB: 0
Additional Sources for FI Stock
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Fund Manager Positions: Dataroma | Stockcircle