Fiserv (FISV) Resumen de Acciones
Fiserv, Inc. ofrece soluciones tecnológicas de pagos y servicios financieros en Estados Unidos, Europa, Oriente Medio y África, Latinoamérica, Asia-Pacífico y a escala internacional. Saber más
| Puntuación del snowflake | |
|---|---|
| Valoración | 5/6 |
| Crecimiento futuro | 1/6 |
| Rendimiento pasado | 2/6 |
| Salud financiera | 2/6 |
| Dividendos | 0/6 |
FISV Community Fair Values
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Analyst Price Targets
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Competidores de Fiserv, Inc.
Historial de precios y rendimiento
| Precios históricos de las acciones | |
|---|---|
| Precio actual de la acción | US$51.37 |
| Máximo en las últimas 52 semanas | US$140.19 |
| Mínimo de 52 semanas | US$47.04 |
| Beta | 0.80 |
| Cambio en 1 mes | 1.50% |
| Variación en 3 meses | -10.08% |
| Cambio de 1 año | -63.31% |
| Variación en 3 años | -57.43% |
| Variación en 5 años | -56.25% |
| Variación desde la OPV | 18,439.04% |
Noticias y actualizaciones recientes
Actualización de narrativa • Aug 13
Q1 2026 FCF collapse has reset the debate from "fair value" to "distressed transformation"
Fiserv is a high-switching-cost payments infrastructure business where the original FCF recovery thesis has been invalidated by structural revenue deterioration, a 48% collapse in annualized FCF, and the emergence of SEC/DOJ investigations — the position offers minimal margin of safety at current prices. Investment Thesis The switching-cost moat in core banking and debit processing remains structurally intact, but is no longer generating the earnings required to support the equity value above $27.3B in net debt Clover small business volume continues to grow, but Argentina headwinds, hardware declines, and the collapse of high-margin license and analytics revenue have made the VAS compounding thesis insufficient to drive FCF recovery on any near-term horizon The buyback engine that was the primary EPS accretion mechanism has effectively ceased — $300M in H1 2026 versus $4.4B in H1 2025 — removing the mechanical support for the forward earnings multiple A second CEO change in twelve months, parallel SEC and DOJ investigations into 2025 earnings guidance, and a securities class action naming the current CEO have introduced categorical governance risk that cannot be modeled in a DCF and that changes the character of the investment from operational turnaround to legal overhang Base-case DCF at 9.5% WACC now implies approximately 50% downside from the $58 cost basis, with negative equity value in the bear case — the margin of safety has inverted and the thesis no longer meets the standard for holding Risk Considerations H1 2026 FCF of $1,126M annualizes to $2.25B against $27.3B in net debt; leverage converts the 48% FCF decline into near-total equity impairment under base-case assumptions, with no near-term catalyst for reversal Financial Solutions operating margin collapsed from 48% to 38% in two quarters driven by structural loss of high-margin license and analytics revenue — not transformation spend — suggesting competitive displacement rather than a temporary cost cycle SEC Enforcement and DOJ investigations into 2025 earnings guidance, alongside a federal securities class action, introduce the possibility of restatements, executive departures, or financial penalties that are unquantifiable and unhedgeable at the position level $18.5B of goodwill in eight reporting units where fair value exceeded carrying value by less than 15% at December 31, 2025 — continued margin pressure and stock price deterioration raise the probability of a material non-cash impairment charge No embedded gain, no tax friction, and no margin of safety at cost basis — capital redeployed into a position with a genuinely comfortable bear case represents a superior use of the portfolio slot
Actualización de narrativa • Aug 07
FISV: Future Upside Will Depend On Debit Network Asset Sales
Analysts have trimmed their average price targets for Fiserv by a few dollars, with cuts from firms including Goldman Sachs, Morgan Stanley, UBS, Barclays, Truist and others. These changes reflect lower revenue growth assumptions, slightly softer profit margin expectations and concerns about execution during the company’s turnaround and leadership transition.Recent updates
Actualización de narrativa • Aug 13
Q1 2026 FCF collapse has reset the debate from "fair value" to "distressed transformation"
Fiserv is a high-switching-cost payments infrastructure business where the original FCF recovery thesis has been invalidated by structural revenue deterioration, a 48% collapse in annualized FCF, and the emergence of SEC/DOJ investigations — the position offers minimal margin of safety at current prices. Investment Thesis The switching-cost moat in core banking and debit processing remains structurally intact, but is no longer generating the earnings required to support the equity value above $27.3B in net debt Clover small business volume continues to grow, but Argentina headwinds, hardware declines, and the collapse of high-margin license and analytics revenue have made the VAS compounding thesis insufficient to drive FCF recovery on any near-term horizon The buyback engine that was the primary EPS accretion mechanism has effectively ceased — $300M in H1 2026 versus $4.4B in H1 2025 — removing the mechanical support for the forward earnings multiple A second CEO change in twelve months, parallel SEC and DOJ investigations into 2025 earnings guidance, and a securities class action naming the current CEO have introduced categorical governance risk that cannot be modeled in a DCF and that changes the character of the investment from operational turnaround to legal overhang Base-case DCF at 9.5% WACC now implies approximately 50% downside from the $58 cost basis, with negative equity value in the bear case — the margin of safety has inverted and the thesis no longer meets the standard for holding Risk Considerations H1 2026 FCF of $1,126M annualizes to $2.25B against $27.3B in net debt; leverage converts the 48% FCF decline into near-total equity impairment under base-case assumptions, with no near-term catalyst for reversal Financial Solutions operating margin collapsed from 48% to 38% in two quarters driven by structural loss of high-margin license and analytics revenue — not transformation spend — suggesting competitive displacement rather than a temporary cost cycle SEC Enforcement and DOJ investigations into 2025 earnings guidance, alongside a federal securities class action, introduce the possibility of restatements, executive departures, or financial penalties that are unquantifiable and unhedgeable at the position level $18.5B of goodwill in eight reporting units where fair value exceeded carrying value by less than 15% at December 31, 2025 — continued margin pressure and stock price deterioration raise the probability of a material non-cash impairment charge No embedded gain, no tax friction, and no margin of safety at cost basis — capital redeployed into a position with a genuinely comfortable bear case represents a superior use of the portfolio slotActualización de narrativa • Aug 07
FISV: Future Upside Will Depend On Debit Network Asset Sales
Analysts have trimmed their average price targets for Fiserv by a few dollars, with cuts from firms including Goldman Sachs, Morgan Stanley, UBS, Barclays, Truist and others. These changes reflect lower revenue growth assumptions, slightly softer profit margin expectations and concerns about execution during the company’s turnaround and leadership transition.Seeking Alpha • Aug 06
Fiserv Q2: Being Greedy May Prove To Be A Big Mistake
Summary Fiserv, Inc. continues to disappoint, with Q2 2026 results showing accelerating revenue and margin declines and further guidance cuts. FISV's organic revenue shrank 5% YoY, operating margins fell 780 bps, and EPS dropped 26% versus Q2 2025, highlighting ongoing operational struggles. Management is now expecting flat to negative organic growth in 2026 and lower EPS, casting doubt on near-term turnaround prospects. Despite a low valuation, persistent revenue shrinkage, margin pressure, and management credibility issues make FISV a high-risk, non-compelling value play. Read the full article on Seeking AlphaActualización de narrativa • Jul 24
FISV: Future Upside Will Hinge On Leadership Stability And Asset Sales
Analysts have trimmed the implied fair value for Fiserv stock from about $68.48 to roughly $66.85. This reflects lower Street price targets as they weigh leadership changes, execution questions and mixed views on the company’s ability to hit medium term goals, despite generally achievable near term earnings expectations.Actualización de narrativa • Jul 09
FISV: Future Upside Will Depend On AI Execution Under New Leadership
Fiserv's updated analyst price target has moved lower by $1.48 to reflect slightly higher discount rate assumptions, modestly softer revenue growth and margin expectations, and mostly unchanged future P/E inputs cited across recent research coverage. Analyst Commentary Recent research on Fiserv reflects a wide range of views, with many firms trimming price targets while keeping neutral or market perform ratings.
Nueva narrativa • Jul 02
Temporary "perfect storm" leads to opportunity to buy financial services leader for less than 5x long-term earnings
The Most Beaten Down Stock in Financial Services Are you having a bad day? Chances are Fiserv (FISV) has had it worse.
Actualización de narrativa • Jun 13
FISV: Execution Risks In AI And Stablecoin Plans Will Restrain Future Returns
The analyst fair value estimate for Fiserv has been reduced from $50 to $40 as analysts factor in lower near term revenue expectations, modestly softer margin and P/E assumptions, and a mixed backdrop of recent price target cuts and rating downgrades alongside a few incremental target increases tied to operational improvement plans. Analyst Commentary Recent Street research on Fiserv points to a more cautious tone, with several Bearish analysts trimming price targets and, in some cases, moving to more conservative ratings.Actualización de narrativa • May 30
FISV: Future Upside Will Rely On AI Execution And Margin Expansion
Analysts trimmed the Fiserv price target by about $15 to align with lower near term revenue assumptions after Q1 and a broad reset across the group, while still pointing to improving merchant feedback and slightly higher margin expectations in their updated models. Analyst Commentary Bullish Takeaways Bullish analysts see the updated models, including the US$65 price target from Morgan Stanley and the US$60 target from BMO, as reflecting a more balanced view of valuation that factors in recent revenue resets while still assigning value to Fiserv’s scale in payments and merchant acquiring.
Actualización de narrativa • May 15
FISV: Merchant Strength And Activist Actions Will Support Future Earnings Recovery
Analysts have reduced Fiserv’s fair value estimate from $107.30 to $99.18. The revision reflects a series of modest price target cuts and more cautious revenue growth assumptions, partially offset by slightly stronger projected profit margins and a lower future P/E of about 14.7x.Actualización de narrativa • May 05
Q1 2026 FCF collapse has reset the debate from "fair value" to "distressed transformation"
Fiserv is a high-switching-cost payments infrastructure business where the Q1 2026 FCF collapse has reset the debate from "fair value" to "distressed transformation" — the thesis now depends entirely on whether Project Elevate delivers FCF recovery in 2027 before leverage becomes a constraint.Actualización de narrativa • May 01
FISV: Banking Weakness And EPS Headwinds Will Constrain Future Share Performance
Fiserv's analyst price targets have been trimmed by a few dollars across multiple firms, with analysts broadly citing lower near term expectations for Banking and Financial Solutions, along with continuing constructive views on Merchant Solutions and updated assumptions for growth, margins and discount rates in their refreshed models. Analyst Commentary Recent research on Fiserv has tilted more cautious, with several bearish analysts trimming price targets and, in some cases, shifting to more neutral stances.Actualización de narrativa • Apr 16
FISV: Weaker Banking Revenues And EPS Pressure Will Challenge Future Earnings Power
Analysts have trimmed the Fiserv price target by several dollars into the mid $60s range, citing more cautious Banking revenue assumptions, expectations for a few quarters of EPS pressure, and modestly higher required returns. This comes even as models still reflect mid single digit revenue growth, slightly stronger profit margins, and a lower future P/E multiple around 9x.Actualización de narrativa • Apr 02
FISV: Merchant Execution And Activist Pressure Will Support Future Rebound Potential
Analysts have trimmed the Fiserv fair value estimate by about $1 to $107.30. This reflects a shift toward higher modeled revenue growth alongside slightly lower profit margins and a modestly reduced future P/E, as recent target cuts and neutral ratings signal more mixed expectations for the shares.Nueva narrativa • Mar 27
Fiserv is a high-switching-cost payments infrastructure business at fair value under even pessimistic assumptions.
Investment Thesis Clover’s 25% VAS penetration with a clear path to 35-40%+ is a high-margin compounding engine that the market is likely underweighting relative to the noise around transformation spend Financial Solutions core banking and debit processing carry near-irreplaceable switching costs — client defection risk is structurally low regardless of competitive pressure at the margin At ~10-11x 2026 adjusted EPS, the stock prices in essentially no recovery from the guided trough — any normalization toward 38%+ adjusted margins in 2027-28 creates meaningful upside $4.3B+ in annual FCF funds ~$5-6B in annual buybacks, reducing share count ~6%/year and creating EPS growth even in a flat-revenue environment Project Elevate efficiency initiatives and AI platform investments are the right structural response to competitive pressure, and are temporary in nature rather than permanent margin impairment Risk Considerations $28.2B in net debt means FCF deterioration is amplified directly into equity value destruction — a 1.5% WACC shift moves intrinsic value by ~$25-30/share Banking segment organic revenue declined 3% in FY25 with no clear inflection catalyst; cloud-native core banking competitors (Thought Machine, Temenos, Mambu) are winning greenfield deals Fiserv cannot Operating margin has compressed ~200 bps in both FY25 and is guided to compress again in FY26 — if the margin trough extends beyond 2026, the FCF engine supporting buybacks begins to erode Clover competes directly against Square, Toast, and Stripe in adjacent verticals — any meaningful take-rate compression or merchant loss in the SMB segment would impair the primary growth thesis The proxy statement (DEF 14A) has not yet been filed; management compensation structure and insider ownership — key governance inputs — remain unverified from primary sourcesActualización de narrativa • Mar 18
FISV: Merchant Segment Execution And Activist Engagement Will Drive Rebound Potential
Fiserv's updated analyst price target edges higher to $108.32 from $107.62, reflecting modestly revised assumptions around revenue growth, profit margins, and future P/E as analysts balance cautious views on near term banking weakness with steadier expectations for merchant solutions. Analyst Commentary Recent Street research on Fiserv points to a mixed backdrop, but there are clear pockets of optimism that help explain why the updated price target moves slightly higher.Actualización de narrativa • Mar 04
FISV: Merchant Strength And Activist Pressure Will Support Rebound Potential
Our analyst price target for Fiserv has been reduced to $107.62 from $231.84 as analysts factor in lower revenue growth and profit margin assumptions, a higher discount rate, and more conservative future P/E expectations following recent updates to their payments and banking models. Analyst Commentary Recent Street research around Fiserv points to a more cautious stance on near term earnings and segment performance, but it also surfaces several areas where analysts still see potential support for the equity story.Actualización de narrativa • Feb 17
FISV: Bearish Rating Shifts And Weaker Sentiment Will Pressure Future Earnings Power
The analyst price target for Fiserv has been reduced, with recent cuts ranging from $4 to $17 as analysts factor in more cautious revenue growth, slightly lower profit margin expectations, a modestly lower discount rate, and a higher assumed future P/E multiple. Analyst Commentary Recent Street research on Fiserv points to a more cautious stance, with several bearish analysts trimming price targets and, in some cases, downgrading the shares.Actualización de narrativa • Feb 03
FISV: Slower Core Execution And Legal Scrutiny Will Pressure Earnings Power
Analysts have cut their price targets on Fiserv to a clustered range around US$77 to US$99. This reflects a more cautious stance tied to lower assumed growth, slightly higher discount rates, trimmed future P/E expectations and mixed sentiment around the pace of improvement in its core payments and banking businesses.Actualización de narrativa • Jan 20
FISV: Future Upside Will Rely On Recurring Revenue And Execution Reset
Analysts have reduced their Fiserv fair value estimate by about US$1.75 per share. This reflects lower assumed revenue growth, slightly higher discount rates, and reduced price targets across the Street that indicate a reset of expectations following recent earnings and guidance changes.Actualización de narrativa • Jan 06
FISV: Future Upside Will Rely On Durable Recurring Revenue Reset
Analysts have cut their Fiserv price targets sharply, with our fair value estimate moving from US$95.48 to US$86.50. They are resetting expectations around slower reported growth, margin pressure and a lower future P/E multiple following the Q3 earnings miss, guidance reductions and management changes.Actualización de narrativa • Dec 16
FISV: Multi-Year Reset Will Likely Pressure Margins And Earnings Power
Analysts have slashed our Fiserv fair value estimate from about $141 to $50 as they recalibrate for sharply slower revenue growth, lower sustainable margins, and a more uncertain multiyear transition period following the company’s guidance reset and management overhaul. Analyst Commentary Bearish analysts have responded to Fiserv’s reset by aggressively cutting price targets and ratings, reflecting a reassessment of the company’s structural growth profile and execution risk.Actualización de narrativa • Dec 01
FISV: Future Returns Will Rely On Durable Recurring Revenue Model
Fiserv's analyst price target has been meaningfully lowered, as analysts cite diminished growth expectations and emphasize the need for a more conservative financial outlook following recent earnings results and leadership changes. Analyst Commentary Recent analyst coverage of Fiserv following the company's earnings miss and management changes has led to swift and significant changes to price targets, ratings, and sector outlooks.Actualización de narrativa • Nov 17
FISV: Future Performance Will Depend On Evolving Recurring Revenue Strategy
Analysts have significantly reduced their price targets for Fiserv, with fair value estimates falling from approximately $107 to $96 per share. They cite sharply lower revenue growth expectations, margin pressures, and a strategic reset following a period of over-optimistic guidance and management transition.Actualización de narrativa • Nov 03
FI: Management Transition And Recurring Revenue Focus Will Support Long-Term Recovery
Analysts have sharply reduced their fair value estimate for Fiserv from approximately $178 to $107. This change reflects concerns over diminished growth prospects, margin pressure, increased discount rates, and a significant strategic reset following earnings and guidance disappointments.Artículo de análisis • Nov 01
Not Many Are Piling Into Fiserv, Inc. (NYSE:FI) Stock Yet As It Plummets 47%
Fiserv, Inc. ( NYSE:FI ) shareholders that were waiting for something to happen have been dealt a blow with a 47% share...Actualización de narrativa • Oct 20
Global Digital Payments Expansion Will Drive Future Prosperity
Fiserv’s fair value estimate has decreased from $183.91 to $178.38. Analysts cite tempered growth outlooks, margin guidance reductions, and increasing competitive pressures as factors driving the lower price targets.Actualización de narrativa • Oct 06
Global Digital Payments Expansion Will Drive Future Prosperity
Analysts have lowered their price target for Fiserv from approximately $187.64 to $183.91. They cite cautious organic growth and margin outlooks, despite the company's ongoing long-term potential.Actualización de narrativa • Sep 21
Global Digital Payments Expansion Will Drive Future Prosperity
Despite near-term concerns over slower organic growth and cautious investor sentiment in the payments sector, analysts remain confident in Fiserv’s long-term compounding potential, resulting in a modest price target increase from $184.16 to $187.64. Analyst Commentary Lowered organic growth and margin guidance continues to weigh on shares, indicating fundamental softness and pressuring near-term valuation.Rentabilidad de los accionistas
| FISV | US Diversified Financial | Mercado US | |
|---|---|---|---|
| 7D | -7.4% | 0.2% | -0.8% |
| 1Y | -63.3% | -0.5% | 20.5% |
Rentabilidad vs. Industria: Los resultados de FISV fueron inferiores a los de la industria US Diversified Financial, que obtuvo un rendimiento del -0.5% el año pasado.
Rentabilidad vs. Mercado: FISV obtuvo unos resultados inferiores a los del mercado US, que fueron del 20.5% el año pasado.
Volatilidad de los precios
| FISV volatility | |
|---|---|
| FISV Average Weekly Movement | 6.4% |
| Diversified Financial Industry Average Movement | 6.2% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
Precio estable de las acciones: FISV no ha tenido una volatilidad de precios significativa en los últimos 3 meses en comparación con el mercado US.
Volatilidad a lo largo del tiempo: La volatilidad semanal de FISV (6%) se ha mantenido estable durante el año pasado.
Acerca de la empresa
| Fundada | Empleados | CEO | Página web |
|---|---|---|---|
| 1984 | 38,000 | Takis Georgakopoulos | www.fiserv.com |
Fiserv, Inc. ofrece soluciones tecnológicas para pagos y servicios financieros en Estados Unidos, Europa, Oriente Medio y África, Latinoamérica, la región de Asia-Pacífico y a nivel internacional. Opera a través de los segmentos «Merchant Solutions» y «Financial Solutions». El segmento de Soluciones para Comerciantes ofrece servicios de adquisición de comerciantes y comercio digital; servicios de pago móvil; soluciones de seguridad y protección contra el fraude; soluciones de prepago; software como servicio; dispositivos de punto de venta; y soluciones de pago mediante transferencia bancaria.
Resumen de fundamentos de Fiserv, Inc.
| Estadísticas fundamentales de FISV | |
|---|---|
| Capitalización bursátil | US$27.69b |
| Beneficios(TTM) | US$2.80b |
| Ingresos (TTM) | US$20.87b |
9.8x
Ratio precio-beneficio (PE)1.3x
Ratio precio-ventas (PS)¿Está FISV sobrevalorada?
Ver valor justo y análisis de valoraciónBeneficios e Ingresos
| Cuenta de resultados (TTM) de FISV | |
|---|---|
| Ingresos | US$20.87b |
| Coste de los ingresos | US$9.14b |
| Beneficio bruto | US$11.73b |
| Otros gastos | US$8.93b |
| Beneficios | US$2.80b |
Últimos beneficios comunicados
Jun 30, 2026
Próxima fecha de beneficios
n/a
| Beneficios por acción (BPA) | 5.27 |
| Margen bruto | 56.22% |
| Margen de beneficio neto | 13.42% |
| Ratio deuda/patrimonio | 94.9% |
¿Cómo se ha desempeñado FISV a largo plazo?
Ver rendimiento histórico y comparativaAnálisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/08/20 22:05 |
| Precio de las acciones al final del día | 2026/08/20 00:00 |
| Beneficios | 2026/06/30 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
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| Propiedad | 10 años |
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| Gestión | 10 años |
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| Principales avances | 10 años |
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* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
Fiserv, Inc. está cubierta por 53 analistas. 29 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Jasper Hellweg | Argus Research Company |
| David Koning | Baird |
| Gary Prestopino | Barrington Research Associates, Inc. |