(FI) Fiserv - Ratings and Ratios
Payment Processing, POS Systems, Digital Banking, Debit Cards, Fraud Protection
FI EPS (Earnings per Share)
FI Revenue
Description: FI Fiserv
Fiserv, Inc. (NYSE:FI) is a leading provider of payments and financial services technology solutions globally, operating through two main segments: Merchant Solutions and Financial Solutions. The company offers a diverse range of services, including merchant acquiring, digital commerce, mobile payments, security and fraud protection, and card processing services. Its comprehensive suite of solutions caters to various clients, such as large enterprises, small businesses, banks, credit unions, fintech companies, and public sectors.
From a business perspective, Fiservs revenue streams are diversified across its Merchant Solutions and Financial Solutions segments. The companys Merchant Solutions segment provides a range of services, including Clover, a point-of-sale and business management platform, while the Financial Solutions segment offers digital banking, financial and risk management, and professional services. Key performance indicators (KPIs) to monitor Fiservs performance include revenue growth rate, segment-wise revenue contribution, and client acquisition rates. For instance, a rising revenue growth rate and increasing contribution from the Merchant Solutions segment could indicate successful adoption of its Clover platform.
To evaluate Fiservs financial health, we can examine its return on equity (RoE) of 11.93%, which indicates a relatively stable return on shareholders equity. Additionally, the forward price-to-earnings (P/E) ratio of 16.86 suggests that the stock may be undervalued compared to its current P/E ratio of 30.47. Other relevant KPIs include the debt-to-equity ratio, interest coverage ratio, and operating margin, which can provide insights into the companys capital structure, ability to service debt, and profitability, respectively.
From a valuation perspective, Fiservs market capitalization stands at approximately $95.6 billion, indicating a large-cap stock with a relatively stable market presence. To further assess the stocks potential, we can analyze its support and resistance levels, which currently range from $151.1 to $225.2. A break above or below these levels could signal a significant price movement. By closely monitoring these KPIs and market trends, investors can make informed decisions about Fiservs stock.
FI Stock Overview
| Market Cap in USD | 73,015m |
| Sub-Industry | Internet Services & Infrastructure |
| IPO / Inception | 2013-08-09 |
FI Stock Ratings
| Growth Rating | 10.5% |
| Fundamental | 76.1% |
| Dividend Rating | 4.71% |
| Return 12m vs S&P 500 | -35.2% |
| Analyst Rating | 4.36 of 5 |
FI Dividends
Currently no dividends paidFI Growth Ratios
| Growth Correlation 3m | -78.5% |
| Growth Correlation 12m | -57.5% |
| Growth Correlation 5y | 75.6% |
| CAGR 5y | 9.13% |
| CAGR/Max DD 3y | 0.21 |
| CAGR/Mean DD 3y | 2.25 |
| Sharpe Ratio 12m | 0.92 |
| Alpha | -32.75 |
| Beta | 0.378 |
| Volatility | 39.78% |
| Current Volume | 2913.2k |
| Average Volume 20d | 3853.5k |
| Stop Loss | 130.2 (-3.1%) |
| Signal | -0.80 |
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income (3.38b TTM) > 0 and > 6% of Revenue (6% = 1.27b TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA 2.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 10.21% (prev 10.75%; Δ -0.54pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.08 (>3.0%) and CFO 6.77b > Net Income 3.38b (YES >=105%, WARN >=100%) |
| Net Debt (28.84b) to EBITDA (9.30b) ratio: 3.10 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.09 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (552.7m) change vs 12m ago -5.59% (target <= -2.0% for YES) |
| Gross Margin 61.14% (prev 60.98%; Δ 0.16pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 24.14% (prev 21.17%; Δ 2.96pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 4.48 (EBITDA TTM 9.30b / Interest Expense TTM 1.38b) >= 6 (WARN >= 3) |
Altman Z'' 2.13
| (A) 0.03 = (Total Current Assets 26.47b - Total Current Liabilities 24.32b) / Total Assets 81.53b |
| (B) 0.31 = Retained Earnings (Balance) 25.45b / Total Assets 81.53b |
| (C) 0.07 = EBIT TTM 6.17b / Avg Total Assets 87.47b |
| (D) 0.44 = Book Value of Equity 24.56b / Total Liabilities 55.77b |
| Total Rating: 2.13 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 76.11
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 5.24% = 2.62 |
| 3. FCF Margin 24.43% = 6.11 |
| 4. Debt/Equity 1.13 = 1.90 |
| 5. Debt/Ebitda 3.05 = -1.84 |
| 6. ROIC - WACC 4.21% = 5.27 |
| 7. RoE 12.76% = 1.06 |
| 8. Rev. Trend 96.09% = 4.80 |
| 9. Rev. CAGR 7.53% = 0.94 |
| 10. EPS Trend 70.21% = 1.76 |
| 11. EPS CAGR 39.32% = 2.50 |
What is the price of FI shares?
Over the past week, the price has changed by -0.66%, over one month by -0.22%, over three months by -18.54% and over the past year by -23.40%.
Is Fiserv a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FI is around 116.67 USD . This means that FI is currently overvalued and has a potential downside of -13.14%.
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 | 184.2 | 37.1% |
| Analysts Target Price | 184.2 | 37.1% |
| ValueRay Target Price | 126.8 | -5.6% |
Last update: 2025-09-15 04:35
FI Fundamental Data Overview
CCE Cash And Equivalents = 2.96b USD (last quarter)
P/E Trailing = 22.4615
P/E Forward = 11.325
P/S = 3.4585
P/B = 2.8957
P/EG = 0.5471
Beta = 0.937
Revenue TTM = 21.11b USD
EBIT TTM = 6.17b USD
EBITDA TTM = 9.30b USD
Long Term Debt = 26.75b USD (from longTermDebt, last quarter)
Short Term Debt = 1.65b USD (from shortTermDebt, last quarter)
Debt = 28.40b USD (Calculated: Short Term 1.65b + Long Term 26.75b)
Net Debt = 28.84b USD (from netDebt column, last quarter)
Enterprise Value = 98.46b USD (73.02b + Debt 28.40b - CCE 2.96b)
Interest Coverage Ratio = 4.48 (Ebit TTM 6.17b / Interest Expense TTM 1.38b)
FCF Yield = 5.24% (FCF TTM 5.16b / Enterprise Value 98.46b)
FCF Margin = 24.43% (FCF TTM 5.16b / Revenue TTM 21.11b)
Net Margin = 16.01% (Net Income TTM 3.38b / Revenue TTM 21.11b)
Gross Margin = 61.14% ((Revenue TTM 21.11b - Cost of Revenue TTM 8.21b) / Revenue TTM)
Tobins Q-Ratio = 4.01 (Enterprise Value 98.46b / Book Value Of Equity 24.56b)
Interest Expense / Debt = 1.29% (Interest Expense 365.0m / Debt 28.40b)
Taxrate = 16.78% (641.0m / 3.82b)
NOPAT = 5.13b (EBIT 6.17b * (1 - 16.78%))
Current Ratio = 1.09 (Total Current Assets 26.47b / Total Current Liabilities 24.32b)
Debt / Equity = 1.13 (Debt 28.40b / last Quarter total Stockholder Equity 25.21b)
Debt / EBITDA = 3.05 (Net Debt 28.84b / EBITDA 9.30b)
Debt / FCF = 5.51 (Debt 28.40b / FCF TTM 5.16b)
Total Stockholder Equity = 26.48b (last 4 quarters mean)
RoA = 4.14% (Net Income 3.38b, Total Assets 81.53b )
RoE = 12.76% (Net Income TTM 3.38b / Total Stockholder Equity 26.48b)
RoCE = 11.59% (Ebit 6.17b / (Equity 26.48b + L.T.Debt 26.75b))
RoIC = 9.85% (NOPAT 5.13b / Invested Capital 52.14b)
WACC = 5.63% (E(73.02b)/V(101.41b) * Re(7.41%)) + (D(28.40b)/V(101.41b) * Rd(1.29%) * (1-Tc(0.17)))
Shares Correlation 3-Years: -96.97 | Cagr: -1.39%
Discount Rate = 7.41% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈4.63b ; Y1≈5.72b ; Y5≈9.75b
Fair Price DCF = 305.2 (DCF Value 165.88b / Shares Outstanding 543.6m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 96.09 | Revenue CAGR: 7.53%
Rev Growth-of-Growth: -0.30
EPS Correlation: 70.21 | EPS CAGR: 39.32%
EPS Growth-of-Growth: -23.02
Additional Sources for FI Stock
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