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 (€193.04) is trading above our estimate of fair value (€190.94)

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 Ratio38.3x
EarningsUS$3.06b
Market CapUS$117.23b

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
22.2x5.3%€41.0b
DBK Deutsche Bank
8.1x12.6%€31.6b
PYPL PayPal Holdings
19.7x6.2%US$87.4b
SQ Block
52.8x27.6%US$55.6b
FIV Fiserv
38.3x18.6%€117.2b

Price-To-Earnings vs Peers: FIV is expensive based on its Price-To-Earnings Ratio (38.3x) 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 38.3xIndustry Avg. 11.2xNo. of Companies13PE01020304050+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FIV is expensive based on its Price-To-Earnings Ratio (38.3x) compared to the European Diversified Financial industry average (11.2x).


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 Ratio38.3x
Fair PE Ratio25.7x

Price-To-Earnings vs Fair Ratio: FIV is expensive based on its Price-To-Earnings Ratio (38.3x) compared to the estimated Fair Price-To-Earnings Ratio (25.7x).


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€193.04
€222.51
+15.3%
10.1%€268.13€144.68n/a34
Dec ’25€210.60
€213.10
+1.2%
10.0%€263.41€142.13n/a34
Nov ’25€185.04
€200.75
+8.5%
9.5%€225.16€138.42n/a33
Oct ’25€160.64
€165.65
+3.1%
6.7%€183.39€135.51n/a33
Sep ’25€156.28
€160.73
+2.8%
8.2%€179.94€116.96n/a33
Aug ’25€152.46
€164.26
+7.7%
8.0%€185.00€120.25n/a32
Jul ’25€137.58
€161.14
+17.1%
7.8%€187.04€121.58n/a34
Jun ’25€135.86
€158.32
+16.5%
8.5%€184.34€119.82n/a33
May ’25€145.04
€158.09
+9.0%
8.5%€186.54€121.25n/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€109.51€210.6031
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

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


Discover undervalued companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 04:46
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Fiserv, Inc. is covered by 72 analysts. 25 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jasper HellwegArgus Research Company
David KoningBaird
Ishan MajumdarBaptista Research