FIS Stock Analysis: Fidelity National | NYSE
Information Technology Services | NYSE, USA | Market Cap: 16.730m USD | 12M Return: -48.8% | US31620M1062 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 225M
EPS Trend: 31.5%
Qual. Beats: 0
Rev. Trend: 87.5%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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, Inc. (FIS) is a large-cap financial technology company that provides technology solutions to financial institutions, businesses, and developers worldwide. The company operates through three segments: Banking Solutions, Capital Market Solutions, and Corporate and Other. Its service portfolio spans core processing, digital banking, fraud and risk management, card and retail payments, electronic funds transfer networks, wealth and retirement solutions, and item processing, as well as trading, lending, and treasury solutions for capital markets clients.
FIS falls within the GICS Transaction & Payment Processing Services sub-industry, reflecting its role as a critical infrastructure provider that enables banks, merchants, and capital markets firms to process transactions and manage financial workflows. Founded in 1968 and headquartered in Jacksonville, Florida, the company has grown into one of the established global players in financial IT services alongside peers such as Fiserv and Jack Henry & Associates.
- Banking Solutions organic revenue pressured by client attrition and modernization delays
- Capital Markets fees rise with trading and lending activity
- Worldpay spin-off sharpens focus on higher-margin software businesses
| 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: -37.63% < 20% (prev -29.83%; Δ -7.79% < -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: 35.95% > 18% (prev 36.68%; Δ -0.73% > 0.5%) |
| Asset Turnover: 31.49% > 50% (prev 30.91%; Δ 0.58% > 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: 0.90 (Receivables 2.62b/2.45b, Revenue 12.2b/10.3b) |
| GMI: 1.02 (GM 36.68% / 35.95%) |
| AQI: 1.01 (AQ_t 0.85 / AQ_t-1 0.85) |
| SGI: 1.18 (Revenue 12.2b / 10.3b) |
| TATA: 0.01 (NI 3.37b - CFO 3.09b) / TA 44.1b) |
| Beneish M = -2.95 (Cap -4..+1) = A |
As of October 08, 2026, the stock is trading at USD 33.82 with a total of 6,437,765 shares traded. Over the past week, the price has changed by +2.80%, over one month by -13.21%, over three months by -19.69% and over the past year by -48.75%.
Current recommended Stop Loss: 32.30 (which is 4.5% or 1.4 ATR below the current price).
Fidelity National has received a consensus analysts rating of 3.72. Therefore, it is recommended to hold FIS.
- StrongBuy: 9
- Buy: 4
- Hold: 15
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 49.7 | 46.9% |
P/E Trailing = 5.0846
P/E Forward = 5.1203
P/S = 1.3713
P/B = 1.1148
P/EG = 0.1819
Revenue TTM = 12.2b USD
EBIT TTM = 3.92b USD
EBITDA TTM = 6.16b USD
Long Term Debt = 15.4b USD (from longTermDebt, last quarter)
Short Term Debt = 5.74b USD (from shortTermDebt, last quarter)
Debt = 21.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 82.0m
Net Debt = 20.5b USD (calculated: Debt 21.3b - CCE 744.0m)
Enterprise Value = 37.2b USD (16.7b + Debt 21.3b - CCE 744.0m)
Interest Coverage Ratio = 6.82 (Ebit TTM 3.92b / Interest Expense TTM 575.0m)
EV/FCF = 13.77x (Enterprise Value 37.2b / FCF TTM 2.71b)
FCF Yield = 7.26% (FCF TTM 2.71b / Enterprise Value 37.2b)
FCF Margin = 22.17% (FCF TTM 2.71b / Revenue TTM 12.2b)
Net Margin = 27.64% (Net Income TTM 3.37b / Revenue TTM 12.2b)
Gross Margin = 35.95% ((Revenue TTM 12.2b - Cost of Revenue TTM 7.82b) / Revenue TTM)
Gross Margin QoQ = 34.76% (prev 33.63%)
Tobins Q-Ratio = 0.84 (Enterprise Value 37.2b / Total Assets 44.1b)
Interest Expense / Debt = 2.71% (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 = 7.58 (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 = 12.91% (EBIT 3.92b / Capital Employed (Equity 14.9b + L.T.Debt 15.4b))
RoIC = 9.05% (NOPAT 3.56b / Invested Capital 39.4b)
WACC = 4.62% (E(16.7b)/V(38.0b) * Re(7.36%) + D(21.3b)/V(38.0b) * Rd(2.71%) * (1-Tc(0.09)))
Discount Rate = 7.36% (= 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 = 71.49 (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: 87.49 | Revenue CAGR: 6.65% | SUE: -0.20 | # QB: 0
EPS current Quarter (2026-09-30): EPS=1.60 | Chg30d=+0.04% | Revisions=-80% | Analysts=25
EPS current Year (2026-12-31): EPS=6.19 | Chg30d=+0.02% | Revisions=-83% | GrowthEPS=+7.7% | GrowthRev=+28.0%
EPS next Year (2027-12-31): EPS=6.70 | Chg30d=-0.05% | Revisions=-50% | GrowthEPS=+8.1% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: -87% (up=2, down=50)