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Fiserv, Inc.NasdaqGS:FISV Rapport sur les actions

Capitalisation boursière US$30.1b
Prix de l'action
US$55.82
US$85
34.3% sous-évalué décote intrinsèque
1Y-65.4%
7D4.4%
Valeur du portefeuille
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Fiserv, Inc.

NasdaqGS:FISV Rapport sur les actions

Capitalisation boursière : US$30.1b

Fiserv (FISV) Aperçu de l'action

Fiserv, Inc. fournit des solutions technologiques pour les paiements et les services financiers aux États-Unis, en Europe, au Moyen-Orient et en Afrique, en Amérique latine, dans la région Asie-Pacifique et dans le monde entier. Plus de détails

FISV analyse fondamentale
Score flocon de neige
Évaluation5/6
Croissance future1/6
Performances passées2/6
Santé financière3/6
Dividendes0/6

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Fiserv, Inc. Concurrents

Historique des prix et performances

Résumé des hausses, des baisses et des variations du cours de l'action pour la période du 1er janvier au 31 décembre 2009 Fiserv
Historique des cours de bourse
Prix actuel de l'actionUS$55.82
Plus haut sur 52 semainesUS$177.36
Plus bas sur 52 semainesUS$52.17
Bêta0.84
Variation sur 1 mois-11.76%
Variation sur 3 mois-9.19%
Variation sur 1 an-65.40%
Variation sur 3 ans-50.52%
Variation sur 5 ans-51.73%
Évolution depuis l'introduction en bourse20,045.01%

Nouvelles et mises à jour récentes

Mise à jour du récit 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.
Seeking Alpha May 05

Fiserv Looks Like A Value Trap After Q1

Summary Fiserv, Inc. continues to deteriorate, with Q1 2026 revenue down 2% and organic revenue down 4% year-over-year. FISV margins are sharply contracting: Merchant Solutions fell from ~34% to 26%, and Financial Solutions from 47.5% to 38%. Despite FISV's reaffirmed guidance (organic growth 1%-3%, EPS $8-$8.3), I see no credible turnaround plan or offensive strategy. High leverage ($28B debt) and declining free cash flow ($259M vs. $371M) leave FISV little room for innovation or error. Read the full article on Seeking Alpha
Mise à jour du récit 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.

Recent updates

Mise à jour du récit 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.
Seeking Alpha May 05

Fiserv Looks Like A Value Trap After Q1

Summary Fiserv, Inc. continues to deteriorate, with Q1 2026 revenue down 2% and organic revenue down 4% year-over-year. FISV margins are sharply contracting: Merchant Solutions fell from ~34% to 26%, and Financial Solutions from 47.5% to 38%. Despite FISV's reaffirmed guidance (organic growth 1%-3%, EPS $8-$8.3), I see no credible turnaround plan or offensive strategy. High leverage ($28B debt) and declining free cash flow ($259M vs. $371M) leave FISV little room for innovation or error. Read the full article on Seeking Alpha
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Nouveau récit 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 sources​​​​​​​​​​​​​​​​
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Article d’analyse 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...
Mise à jour du récit 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.
Mise à jour du récit 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.
Mise à jour du récit 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.
Seeking Alpha Apr 24

Fiserv: Slower Clover Volumes Raise Alarms, Too Soon To Buy

Summary Fiserv, Inc.'s Q1 results were mixed, with a revenue miss and a modest EPS beat driven by lower costs, leading to a 15% stock drop. Clover's 27% revenue growth was strong, but volume growth was disappointing, indicating a potential deceleration in penetration and slowing ahead. Fiserv's margin expansion appears to be nearing its end, especially in merchant solutions, and revenue growth is at risk if the economy weakens. With FI shares' decline making valuation modestly cheap, I remain a "hold," but would consider buying if shares fall below $175. Read the full article on Seeking Alpha
Seeking Alpha Apr 16

Fiserv: Still A Long-Term Winner Even Under Uncertainty

Summary I rate Fiserv, Inc. as a buy due to its strong growth prospects, particularly driven by its Clover platform and strategic acquisitions. Fiserv's impressive financial performance in 2024, including a 34% YoY increase in free cash flow, underscores its robust business model and growth potential. The acquisition of First Data in 2019 has significantly bolstered Fiserv's market position, enabling it to offer a wider range of services and capture new markets. Despite risks from tariffs and high debt, Fiserv's strategic partnerships and innovative solutions position it for long-term growth and resilience. Read the full article on Seeking Alpha
Seeking Alpha Mar 15

Fiserv: Challenges In Front Of Sustaining Share Price Momentum

Summary For yet another year, Fiserv has become the best-performing stock within its peer group. However, the key drivers behind the stock's stellar performance over the past 12-months are unlikely to persist in 2025. I remain optimistic about the company's long-term future, but I see little upside on top of the broader equity market performance in 2025. Read the full article on Seeking Alpha
Seeking Alpha Feb 15

Fiserv: Attractive Earnings Growth Equity Story

Summary Fiserv is poised for mid-to-high-teens earnings growth, driven by the Clover platform and enterprise solutions, expanding its merchant acquiring network and payroll integration. FI's recent earnings report showed 13% organic revenue growth, 29% Clover revenue growth, and EBIT margin expansion, reinforcing its strong EPS growth narrative. Clover's growth remains robust, with high-20s% revenue growth expected in FY25, supported by new product offerings and international expansion into Brazil, Mexico, and Australia. Read the full article on Seeking Alpha
Seeking Alpha Feb 06

Fiserv: Clover Delivers Again, But Good News Is Increasingly Priced In (Rating Downgrade)

Summary Fiserv shares have surged over 55% in the past year, driven by strong Q4 results and the growth of its Clover fintech platform. Organic revenue growth hit 13%, with operating margins improving to 42.9%, showcasing the company's efficiency and scalability. Clover's 29% growth and partnerships with DoorDash and Walmart highlight Fiserv's innovative edge and market leadership in fintech which should continue to power growth. Despite solid financials and growth prospects, I am moving Fiserv to a "hold" from "buy" due to limited upside potential at current levels given valuation. Read the full article on Seeking Alpha
Seeking Alpha Dec 06

Fiserv: Favorable Macroeconomic Tailwinds Will Drive Steady Revenue Growth

Summary Fiserv is poised for robust growth driven by favorable macroeconomic trends, strong holiday season performance, and international expansion, particularly with its Clover platform. Anticipated Fed rate cuts in 2025 are expected to stimulate small business growth, a key segment for Fiserv, enhancing revenue and margin expansion. Fiserv's recent performance, including 15% organic revenue growth and 40.2% operating margins, underscores its strong execution and market position. Despite a premium valuation, Fiserv's superior growth profile, product innovation, and strategic partnerships justify a BUY rating with the potential for multiple expansion. Read the full article on Seeking Alpha
Seeking Alpha Oct 23

Fiserv: No Longer A Bargain But Still A Fairly Valued High-Quality Company

Summary Fiserv's performance validates the initial investment thesis and consistent buy recommendation. Updating and rolling forward my DCF gives a fair value of $195. As FI is no longer undervalued, I changed my rating to Hold. I discuss the merits of holding a high-quality franchise at fair value or with even a minor overvaluation. Read the full article on Seeking Alpha

Rendement pour les actionnaires

FISVUS Diversified FinancialUS Marché
7D4.4%1.0%-0.3%
1Y-65.4%-9.6%26.7%

Rendement vs Industrie: FISV a sous-performé le secteur US Diversified Financial qui a rapporté -9.6 % au cours de l'année écoulée.

Rendement vs marché: FISV a sous-performé le marché US qui a rapporté 26.7 % au cours de l'année écoulée.

Volatilité des prix

Is FISV's price volatile compared to industry and market?
FISV volatility
FISV Average Weekly Movement5.2%
Diversified Financial Industry Average Movement6.4%
Market Average Movement7.2%
10% most volatile stocks in US Market16.2%
10% least volatile stocks in US Market3.2%

Cours de l'action stable: FISV n'a pas connu de volatilité de prix significative au cours des 3 derniers mois par rapport au marché US.

Volatilité au fil du temps: La volatilité hebdomadaire de FISV ( 5% ) est restée stable au cours de l'année écoulée.

À propos de l'entreprise

FondéeSalariésPDGSite web
198438,000Mike Lyonswww.fiserv.com

Fiserv, Inc. fournit des solutions technologiques pour les paiements et les services financiers aux États-Unis, en Europe, au Moyen-Orient et en Afrique, en Amérique latine, dans la région Asie-Pacifique et dans le monde entier. Elle opère par le biais des segments Merchant Solutions et Financial Solutions. Le segment Merchant Solutions propose des services d'acquisition de commerçants et de commerce numérique, des services de paiement mobile, des solutions de sécurité et de protection contre la fraude, des solutions à valeur stockée, des logiciels en tant que service, des terminaux de point de vente et des solutions de paiement par banque.

Fiserv, Inc. Résumé des fondamentaux

Comment les bénéfices et les revenus de Fiserv se comparent-ils à sa capitalisation boursière ?
FISV statistiques fondamentales
Capitalisation boursièreUS$30.08b
Bénéfices(TTM)US$3.20b
Recettes(TTM)US$21.09b
9.3x
Ratio P/E
1.4x
Ratio P/S

Le site FISV est-il surévalué ?

Voir Juste valeur et analyse de l'évaluation

Bénéfices et recettes

Principales statistiques de rentabilité tirées du dernier rapport sur les bénéfices (TTM)
FISV compte de résultat (TTM)
RecettesUS$21.09b
Coût des recettesUS$8.85b
Marge bruteUS$12.24b
Autres dépensesUS$9.04b
Les revenusUS$3.20b

Derniers bénéfices déclarés

Mar 31, 2026

Prochaine date de publication des résultats

s/o

Résultat par action (EPS)6.00
Marge brute58.06%
Marge bénéficiaire nette15.17%
Ratio dettes/capitaux propres102.5%

Quelles ont été les performances à long terme de FISV?

Voir les performances historiques et les comparaisons

Analyse de l'entreprise et données financières

DonnéesDernière mise à jour (heure UTC)
Analyse de l'entreprise2026/05/21 23:51
Cours de l'action en fin de journée2026/05/21 00:00
Les revenus2026/03/31
Revenus annuels2025/12/31

Sources de données

Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.

PaquetDonnéesCadre temporelExemple de source américaine *
Finances de l'entreprise10 ans
  • Compte de résultat
  • Tableau des flux de trésorerie
  • Bilan
Estimations consensuelles des analystes+3 ans
  • Prévisions financières
  • Objectifs de prix des analystes
Prix du marché30 ans
  • Cours des actions
  • Dividendes, scissions et actions
Propriété10 ans
  • Actionnaires principaux
  • Délits d'initiés
Gestion10 ans
  • L'équipe dirigeante
  • Conseil d'administration
Principaux développements10 ans
  • Annonces de l'entreprise

* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.

Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.

Modèle d'analyse et flocon de neige

Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.

Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.

Indicateurs de l'industrie et du secteur

Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.

Sources des analystes

Fiserv, Inc. est couverte par 57 analystes. 28 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.

AnalysteInstitution
Jasper HellwegArgus Research Company
David KoningBaird
Gary PrestopinoBarrington Research Associates, Inc.