Fiserv, Inc.

DB:FIV Stock Report

Market Cap: €118.3b

Fiserv Valuation

Is FIV undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FIV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FIV (€209.9) is trading above our estimate of fair value (€199.15)

Significantly Below Fair Value: FIV is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FIV?

Key metric: As FIV is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for FIV. This is calculated by dividing FIV's market cap by their current earnings.
What is FIV's PE Ratio?
PE Ratio40.4x
EarningsUS$3.06b
Market CapUS$123.99b

Price to Earnings Ratio vs Peers

How does FIV's PE Ratio compare to its peers?

The above table shows the PE ratio for FIV vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average25.7x
DB1 Deutsche Börse
21.2x4.6%€39.1b
DBK Deutsche Bank
8x13.4%€31.1b
PYPL PayPal Holdings
19.2x6.1%US$85.0b
SQ Block
54.6x27.7%US$55.6b
FIV Fiserv
40.4x18.7%€124.0b

Price-To-Earnings vs Peers: FIV is expensive based on its Price-To-Earnings Ratio (40.4x) compared to the peer average (25.7x).

Price to Earnings Ratio vs Industry

How does FIV's PE Ratio compare vs other companies in the European Diversified Financial Industry?

7 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FIV 40.4xIndustry Avg. 10.7xNo. of Companies14PE01020304050+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FIV is expensive based on its Price-To-Earnings Ratio (40.4x) compared to the European Diversified Financial industry average (10.4x).

Price to Earnings Ratio vs Fair Ratio

What is FIV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FIV PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio40.4x
Fair PE Ratio25.9x

Price-To-Earnings vs Fair Ratio: FIV is expensive based on its Price-To-Earnings Ratio (40.4x) compared to the estimated Fair Price-To-Earnings Ratio (25.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FIV forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€209.90
€210.49
+0.3%
9.5%€263.77€151.81n/a34
Nov ’25€185.04
€201.03
+8.6%
9.1%€225.16€147.65n/a33
Oct ’25€160.64
€165.93
+3.3%
6.3%€183.39€140.03n/a33
Sep ’25€156.28
€161.00
+3.0%
7.9%€179.94€116.96n/a33
Aug ’25€152.46
€164.55
+7.9%
7.7%€185.00€120.25n/a32
Jul ’25€137.58
€159.74
+16.1%
7.6%€185.10€120.32n/a34
Jun ’25€135.86
€158.32
+16.5%
8.5%€184.34€119.82n/a33
May ’25€145.04
€158.44
+9.2%
8.5%€186.96€121.52n/a34
Apr ’25€147.70
€150.73
+2.1%
8.1%€172.24€121.03n/a34
Mar ’25€138.70
€147.47
+6.3%
7.7%€171.70€120.65n/a34
Feb ’25€132.10
€139.69
+5.7%
9.2%€170.00€118.26n/a34
Jan ’25€120.20
€132.36
+10.1%
10.5%€167.98€108.96n/a32
Dec ’24€120.20
€129.37
+7.6%
8.3%€159.71€109.51n/a31
Nov ’24€107.55
€132.92
+23.6%
8.9%€165.60€113.56€185.0432
Oct ’24€107.15
€132.72
+23.9%
8.4%€159.19€103.94€160.6430
Sep ’24€113.55
€130.40
+14.8%
8.1%€156.15€101.95€156.2831
Aug ’24€114.35
€128.32
+12.2%
8.5%€154.79€101.07€152.4632
Jul ’24€115.10
€122.88
+6.8%
7.6%€146.03€101.31€137.5832
Jun ’24€104.75
€121.22
+15.7%
8.3%€145.42€99.98€135.8631
May ’24€110.20
€120.64
+9.5%
8.0%€140.66€99.83€145.0431
Apr ’24€104.34
€116.71
+11.9%
9.7%€141.20€91.69€147.7031
Mar ’24€108.14
€119.75
+10.7%
10.3%€145.18€94.27€138.7032
Feb ’24€97.25
€109.34
+12.4%
11.3%€139.89€87.43€132.1032
Jan ’24€94.38
€114.54
+21.4%
10.3%€144.29€90.18€120.2032
Dec ’23€99.31
€118.68
+19.5%
10.6%€149.13€93.20€120.2032
Nov ’23€103.94
€121.47
+16.9%
10.6%€152.55€95.34€107.5532

Analyst Forecast: Target price is less than 20% higher than the current share price.

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