FIS Stock Analysis: Fidelity National | NYSE
Information Technology Services | NYSE, USA | Market Cap: 22.093m USD | 12M Return: -37% | US31620M1062 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 268M
EPS Trend: 31.5%
Qual. Beats: 0
Rev. Trend: 88.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Fidelity National Information Services (FIS) is a global financial technology provider serving financial institutions, businesses, and developers. The company operates through three reporting segments: Banking Solutions, Capital Market Solutions, and Corporate and Other. Its Banking Solutions offerings span core account processing, mobile and online banking, fraud and risk management, card and retail payments, electronic funds transfer and network services, wealth and retirement solutions, and item processing. The Capital Market Solutions segment provides trading, lending, leveraged and syndicated loan, and treasury and risk solutions. FIS was founded in 1968 and is headquartered in Jacksonville, Florida.
Operating within the Transaction & Payment Processing Services sub-industry, FIS sits in the technology infrastructure layer of the financial services sector, providing the back-office systems and payment rails that banks, merchants, and capital markets firms rely on. Companies in this space typically generate recurring revenue through long-term contracts, software licensing, and per-transaction processing fees tied to the ongoing digitization of payments and the increasing regulatory and compliance demands placed on financial institutions.
- Banking Solutions segment revenue trends on core processing renewals
- Capital Markets segment faces trading volume headwinds and interest rate exposure
- Card and retail payment margins pressured by Fiserv competition
| Net Income: 3.37b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA 1.36 > 1.0 |
| NWC/Revenue: -36.97% < 20% (prev -29.83%; Δ -7.13% < -1%) |
| CFO/TA 0.07 > 3% & CFO 3.09b > Net Income 3.37b |
| Net Debt (20.5b) to EBITDA (6.16b): 3.33 < 3 |
| Current Ratio: 0.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (517.0m) vs 12m ago -1.52% < -2% |
| Gross Margin: 37.07% > 18% (prev 36.68%; Δ 0.39% > 0.5%) |
| Asset Turnover: 32.06% > 50% (prev 30.91%; Δ 1.14% > 0%) |
| Interest Coverage Ratio: 6.82 > 6 (EBIT TTM 3.92b / Interest Expense TTM 575.0m) |
| A: -0.10 (Total Current Assets 5.27b - Total Current Liabilities 9.87b) / Total Assets 44.1b |
| B: -0.47 (Retained Earnings -20.6b / Total Assets 44.1b) |
| C: 0.10 (EBIT TTM 3.92b / Avg Total Assets 38.7b) |
| D: 0.57 (Book Value of Equity 16.0b / Total Liabilities 28.1b) |
| Altman-Z'' = -0.92 = CCC |
| DSRI: 0.89 (Receivables 2.62b/2.45b, Revenue 12.4b/10.3b) |
| GMI: 0.99 (GM 36.68% / 37.07%) |
| AQI: 1.01 (AQ_t 0.85 / AQ_t-1 0.85) |
| SGI: 1.20 (Revenue 12.4b / 10.3b) |
| TATA: 0.01 (NI 3.37b - CFO 3.09b) / TA 44.1b) |
| Beneish M = -2.98 (Cap -4..+1) = A |
As of August 09, 2026, the stock is trading at USD 42.77 with a total of 3,792,152 shares traded. Over the past week, the price has changed by -4.47%, over one month by +0.40%, over three months by -8.45% and over the past year by -36.99%.
Current recommended Stop Loss: 39.00 (which is 8.8% or 2 ATR below the current price).
Fidelity National has received a consensus analysts rating of 4.04. Therefore, it is recommended to buy FIS.
- StrongBuy: 12
- Buy: 4
- Hold: 9
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 56.6 | 32.2% |
P/E Trailing = 6.8
P/E Forward = 7.0274
P/S = 1.8109
P/B = 1.4264
P/EG = 0.2452
Revenue TTM = 12.4b USD
EBIT TTM = 3.92b USD
EBITDA TTM = 6.16b USD
Long Term Debt = 9.07b USD (from longTermDebt, last fiscal year)
Short Term Debt = 5.74b USD (from shortTermDebt, last quarter)
Debt = 21.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 90.0m
Net Debt = 20.5b USD (calculated: Debt 21.3b - CCE 744.0m)
Enterprise Value = 42.6b USD (22.1b + Debt 21.3b - CCE 744.0m)
Interest Coverage Ratio = 6.82 (Ebit TTM 3.92b / Interest Expense TTM 575.0m)
EV/FCF = 15.75x (Enterprise Value 42.6b / FCF TTM 2.71b)
FCF Yield = 6.35% (FCF TTM 2.71b / Enterprise Value 42.6b)
FCF Margin = 21.78% (FCF TTM 2.71b / Revenue TTM 12.4b)
Net Margin = 27.15% (Net Income TTM 3.37b / Revenue TTM 12.4b)
Gross Margin = 37.07% ((Revenue TTM 12.4b - Cost of Revenue TTM 7.82b) / Revenue TTM)
Gross Margin QoQ = 34.76% (prev 33.63%)
Tobins Q-Ratio = 0.97 (Enterprise Value 42.6b / Total Assets 44.1b)
Interest Expense / Debt = 2.70% (Interest Expense 575.0m / Debt 21.3b)
Taxrate = 9.12% (341.0m / 3.74b)
NOPAT = 3.56b (EBIT 3.92b * (1 - 9.12%))
Current Ratio = 0.53 (Total Current Assets 5.27b / Total Current Liabilities 9.87b)
Debt / Equity = 1.33 (Debt 21.3b / totalStockholderEquity, last quarter 16.0b)
Debt / EBITDA = 3.33 (Net Debt 20.5b / EBITDA 6.16b)
Debt / FCF = 7.59 (Net Debt 20.5b / FCF TTM 2.71b)
Total Stockholder Equity = 14.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 8.70% (Net Income 3.37b / Total Assets 44.1b)
RoE = 22.57% (Net Income TTM 3.37b / Total Stockholder Equity 14.9b)
RoCE = 16.33% (EBIT 3.92b / Capital Employed (Equity 14.9b + L.T.Debt 9.07b))
RoIC = 9.05% (NOPAT 3.56b / Invested Capital 39.4b)
WACC = 4.91% (E(22.1b)/V(43.4b) * Re(7.28%) + D(21.3b)/V(43.4b) * Rd(2.70%) * (1-Tc(0.09)))
Discount Rate = 7.28% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -94.02 | Cagr: -4.69%
[DCF] Terminal Value 77.97% ; FCFF base≈2.26b ; Y1≈2.59b ; Y5≈3.81b
[DCF] Fair Price = 71.48 (EV 57.4b - Net Debt 20.5b = Equity 36.9b / Shares 515.7m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 31.48 | EPS CAGR: 2.65% | SUE: 0.20 | # QB: 0
Revenue Correlation: 88.92 | Revenue CAGR: 7.56% | SUE: -0.07 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.65 | Chg30d=-0.05% | Revisions=+29% | Analysts=23
EPS current Year (2026-12-31): EPS=6.27 | Chg30d=-0.01% | Revisions=+17% | GrowthEPS=+9.1% | GrowthRev=+29.2%
EPS next Year (2027-12-31): EPS=6.85 | Chg30d=-0.00% | Revisions=+0% | GrowthEPS=+9.2% | GrowthRev=+4.7%
[Analyst] Revisions Ratio: +25% (up=6, down=3)