Fiserv Gestion
Gestion contrôle des critères 1/4
Nous ne disposons actuellement pas d’informations suffisantes sur le PDG.
Informations clés
Takis Georgakopoulos
Directeur général
US$13.9m
Rémunération totale
| Pourcentage du salaire du PDG | 7.17% |
| Durée du mandat du directeur général | no data |
| Propriété du PDG | 0.008% |
| Durée moyenne d'occupation des postes de direction | 2yrs |
| Durée moyenne du mandat des membres du conseil d'administration | 2.3yrs |
Mises à jour récentes de la gestion
Recent updates
Seeking Alpha • Jun 15
Fiserv: CEO Departure Does Not Derail The Value Opportunity
Summary Fiserv, Inc. remains a Strong Buy despite the recent CEO departure and ongoing operational uncertainty. FISV's valuation is deeply discounted, trading at ~5x 2026 earnings, with significant upside if stability and growth targets are met. Clover, FISV's fintech platform, is a major value driver, with potential for 15%+ annual revenue growth and strategic monetization opportunities. Activist interest is rising, with asset sales and buybacks seen as catalysts to unlock value and drive the FISV share price higher. Read the full article on Seeking Alpha
Mise à jour du récit • 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.
Mise à jour du récit • 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.
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.
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 sourcesMise 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 AlphaSeeking 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 AlphaSeeking 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 AlphaSeeking 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 AlphaSeeking 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 AlphaAnalyse de la rémunération des PDG
| Date | Rémunération totale | Salaire | Bénéfices de l'entreprise |
|---|---|---|---|
| Mar 31 2026 | n/a | n/a | US$3b |
| Dec 31 2025 | US$14m | US$1m | US$3b |
Rémunération vs marché: La rémunération totale de Takis ($USD 13.94M ) est dans la moyenne des entreprises de taille similaire sur le marché US ($USD 14.67M ).
Rémunération et revenus: Données insuffisantes pour comparer la rémunération de Takis avec les performances de l'entreprise.
PDG
Takis Georgakopoulos (56 yo)
no data
Titularisation
US$13,937,840
Compensation
Mr. Takis T. Georgakopoulos, also known as Takis, serves as CEO & Director at Fiserv, Inc. since June 14, 2026. He was Co-President and Head of Technology & Merchant Solutions of Fiserv, Inc. from December...
Équipe de direction
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO & Director | no data | US$13.94m | 0.0079% $ 2.0m | |
| President | no data | US$16.80m | 0.0053% $ 1.4m | |
| Chief Financial Officer | less than a year | US$3.82m | 0.0051% $ 1.3m | |
| Chief Administrative Officer & Chief Legal Officer | 4.9yrs | US$5.87m | 0.011% $ 2.9m | |
| Chief Accounting Officer | 10.3yrs | pas de données | 0.012% $ 3.1m | |
| Chief Technology Officer | 5yrs | pas de données | pas de données | |
| Senior VP & Head of Investor Relations | less than a year | pas de données | pas de données | |
| Chief Communications & Marketing Officer | less than a year | pas de données | pas de données | |
| Head of Corporate Development | 9.4yrs | US$1.37m | pas de données | |
| Chief Human Resources Officer | 3.3yrs | pas de données | pas de données | |
| Head of Latin America Region | no data | pas de données | pas de données | |
| Chief Operating Officer of Financial Solutions | no data | pas de données | 0.0025% $ 634.7k |
2.0yrs
Durée moyenne de l'emploi
55.5yo
Âge moyen
Gestion expérimentée: L'équipe de direction de FISV n'est pas considérée comme expérimentée (ancienneté moyenne 2 ans), ce qui suggère une nouvelle équipe.
Membres du conseil d'administration
| Nom | Position | Titularisation | Compensation | Propriété |
|---|---|---|---|---|
| CEO & Director | no data | US$13.94m | 0.0079% $ 2.0m | |
| Independent Chairman of the Board | less than a year | pas de données | 0.0022% $ 565.3k | |
| Independent Director | 2.3yrs | US$360.11k | 0.00060% $ 154.2k | |
| Independent Director | less than a year | pas de données | 0.00025% $ 64.2k | |
| Independent Director | 2.3yrs | US$372.75k | 0.0024% $ 629.6k | |
| Vice Chairman | 1.2yrs | US$8.50m | 0.026% $ 6.7m | |
| Independent Director | 3.4yrs | US$360.11k | 0.0011% $ 290.4k | |
| Vice Chairman | no data | pas de données | pas de données | |
| Independent Director | 6.9yrs | US$360.11k | 0.0045% $ 1.2m | |
| Independent Director | 1.3yrs | US$366.50k | 0.00026% $ 66.8k | |
| Independent Director | 8.3yrs | US$367.47k | 0.0042% $ 1.1m | |
| Independent Director | 5yrs | US$372.75k | 0.0021% $ 542.2k |
2.3yrs
Durée moyenne de l'emploi
63yo
Âge moyen
Conseil d'administration expérimenté: Le conseil d'administration de la FISV n'est pas considéré comme expérimenté ( 2.3 années d'ancienneté moyenne), ce qui suggère un nouveau conseil d'administration.
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/25 13:26 |
| Cours de l'action en fin de journée | 2026/06/24 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
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.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
|
| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
|
* 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 pour apprendre à 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 52 analystes. 27 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.
| Analyste | Institution |
|---|---|
| Jasper Hellweg | Argus Research Company |
| David Koning | Baird |
| Gary Prestopino | Barrington Research Associates, Inc. |