(FI) Fiserv - Ratings and Ratios
Payments, Banking, Processing, POS, Digital
FI EPS (Earnings per Share)
FI Revenue
Description: FI Fiserv
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 | 66,617m |
| Sub-Industry | Internet Services & Infrastructure |
| IPO / Inception | 2013-08-09 |
FI Stock Ratings
| Growth Rating | -3.60% |
| Fundamental | 75.5% |
| Dividend Rating | 5.76% |
| Return 12m vs S&P 500 | -46.3% |
| Analyst Rating | 4.36 of 5 |
FI Dividends
Currently no dividends paidFI Growth Ratios
| Growth Correlation 3m | -84.1% |
| Growth Correlation 12m | -78% |
| Growth Correlation 5y | 75.2% |
| CAGR 5y | 8.04% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.16 |
| CAGR/Mean DD 3y (Pain Ratio) | 0.89 |
| Sharpe Ratio 12m | 0.34 |
| Alpha | -51.94 |
| Beta | 0.950 |
| Volatility | 23.75% |
| Current Volume | 4093.3k |
| Average Volume 20d | 4432k |
| Stop Loss | 117.4 (-3.1%) |
| Signal | -0.83 |
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 4.45 (EBITDA TTM 9.30b / Interest Expense TTM 1.39b) >= 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) 75.47
| 1. Piotroski 6.0pt = 1.0 |
| 2. FCF Yield 5.52% = 2.76 |
| 3. FCF Margin 24.43% = 6.11 |
| 4. Debt/Equity 1.18 = 1.84 |
| 5. Debt/Ebitda 3.10 = -1.90 |
| 6. ROIC - WACC (= 2.66)% = 3.33 |
| 7. RoE 12.76% = 1.06 |
| 8. Rev. Trend 96.09% = 7.21 |
| 9. EPS Trend 81.35% = 4.07 |
What is the price of FI shares?
Over the past week, the price has changed by -4.27%, over one month by -8.70%, over three months by -26.34% and over the past year by -37.58%.
Is Fiserv a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FI is around 98.65 USD . This means that FI is currently overvalued and has a potential downside of -18.55%.
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 | 181.9 | 50.2% |
| Analysts Target Price | 181.9 | 50.2% |
| ValueRay Target Price | 108.4 | -10.5% |
Last update: 2025-10-15 02:27
FI Fundamental Data Overview
P/E Trailing = 20.4933
P/E Forward = 10.6045
P/S = 3.1554
P/B = 2.7112
P/EG = 0.5123
Beta = 0.95
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 = 29.84b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 28.84b USD (from netDebt column, last quarter)
Enterprise Value = 93.50b USD (66.62b + Debt 29.84b - CCE 2.96b)
Interest Coverage Ratio = 4.45 (Ebit TTM 6.17b / Interest Expense TTM 1.39b)
FCF Yield = 5.52% (FCF TTM 5.16b / Enterprise Value 93.50b)
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)
Gross Margin QoQ = 61.82% (prev 59.59%)
Tobins Q-Ratio = 1.15 (Enterprise Value 93.50b / Total Assets 81.53b)
Interest Expense / Debt = 1.26% (Interest Expense 376.0m / Debt 29.84b)
Taxrate = 19.28% (246.0m / 1.28b)
NOPAT = 4.98b (EBIT 6.17b * (1 - 19.28%))
Current Ratio = 1.09 (Total Current Assets 26.47b / Total Current Liabilities 24.32b)
Debt / Equity = 1.18 (Debt 29.84b / totalStockholderEquity, last quarter 25.21b)
Debt / EBITDA = 3.10 (Net Debt 28.84b / EBITDA 9.30b)
Debt / FCF = 5.59 (Net Debt 28.84b / FCF TTM 5.16b)
Total Stockholder Equity = 26.48b (last 4 quarters mean from totalStockholderEquity)
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 / Capital Employed (Equity 26.48b + L.T.Debt 26.75b))
RoIC = 9.55% (NOPAT 4.98b / Invested Capital 52.14b)
WACC = 6.89% (E(66.62b)/V(96.45b) * Re(9.52%) + D(29.84b)/V(96.45b) * Rd(1.26%) * (1-Tc(0.19)))
Discount Rate = 9.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.24%
[DCF Debug] Terminal Value 76.79% ; FCFE base≈4.63b ; Y1≈5.72b ; Y5≈9.75b
Fair Price DCF = 234.2 (DCF Value 127.33b / Shares Outstanding 543.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 81.35 | EPS CAGR: 160.1% | SUE: 1.78 | # QB: 1
Revenue Correlation: 96.09 | Revenue CAGR: 7.53% | SUE: 0.77 | # QB: 0
Additional Sources for FI Stock
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Fund Manager Positions: Dataroma | Stockcircle