(FI) Fiserv - Ratings and Ratios

Fiserv, Inc. (NYSE:FI) is a global leader in providing payments and financial services technology solutions. The company operates in multiple regions, including the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and other international markets. Its operations are divided into two primary segments: Merchant Solutions and Financial Solutions.

The Merchant Solutions segment offers a range of services, including merchant acquiring, digital commerce solutions, mobile payments, security and fraud protection, stored-value solutions, and software-as-a-service (SaaS) platforms. A key product in this segment is Clover, a cloud-based point-of-sale (POS) and business management system designed for small and medium-sized businesses. Clover provides tools for inventory management, employee tracking, and customer engagement, making it a comprehensive solution for merchants. Fiserv distributes its products through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors (ISVs), independent sales organizations (ISOs), financial institutions, and other partners.

The Financial Solutions segment focuses on providing technology solutions to financial institutions, including banks, credit unions, and other financial services providers. Services in this segment include debit and credit card processing, debit network services, security and fraud protection products, bill payment services, person-to-person (P2P) payments, account-to-account (A2A) transfers, prepaid card processing, card production, print services, government payment processing, student loan processing, and customer loan and deposit account processing. Additionally, Fiserv offers digital banking solutions, financial and risk management tools, professional services, consulting, check processing, automated clearing house (ACH) services, and real-time payments.

Fiserv serves a diverse customer base, including large enterprises, small businesses, banks, credit unions, large financial institutions, fintech companies, public sectors, and software providers. The company’s solutions are designed to support the entire payment ecosystem, from issuing and acquiring to processing and settling transactions. Fiserv has a strong track record of innovation, with a focus on integrating emerging technologies such as artificial intelligence (AI), blockchain, and machine learning to enhance its offerings. The company also emphasizes security and compliance, providing robust tools to mitigate fraud and ensure regulatory adherence.

Fiserv, Inc. was founded in 1984 and is headquartered in Milwaukee, Wisconsin. Over the years, the company has grown significantly through organic expansion and strategic acquisitions, solidifying its position as one of the leading providers of financial technology solutions globally. Its commitment to innovation and customer-centric solutions has enabled it to maintain a competitive edge in the rapidly evolving fintech landscape.

Ticker Symbol: FI
Exchange: NYSE
Type: common stock
Country Origin: United States
GICS Sub Industry: Internet Services & Infrastructure

Average Volume 20d: 3,399,825
Last Price: 208.66
SMA 20: 213.24
SMA 50: 220.84
SMA 200: 196.68
ATR: 7.43

Market Cap: 110,932.80M USD
P/E: 36.91
P/E Forward: 19.34
P/B: 4.10
P/S: 5.42
RoE: 11.57

3-Month Forecast: Based on the provided data, Fiserv’s stock is expected to experience a period of consolidation. The SMA 20 and SMA 50 are trending downward relative to the SMA 200, indicating potential bearish momentum. However, the forward P/E of 19.34 suggests investor confidence in future earnings growth. The stock may face resistance near the SMA 50 level of 220.84 and support near the SMA 200 level of 196.68. With an ATR of 7.43, moderate volatility is expected. Fundamental strength, such as the RoE of 11.57, may offset near-term technical weakness, but the high P/S ratio of 5.42 could limit upside potential. Overall, the stock is likely to trade sideways with a slight bearish bias in the next three months.