FISV Stock Overview
Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide.
Price History & Performance
|Historical stock prices|
|Current Share Price||US$96.17|
|52 Week High||US$119.86|
|52 Week Low||US$89.91|
|1 Month Change||-3.51%|
|3 Month Change||-1.76%|
|1 Year Change||-15.94%|
|3 Year Change||10.16%|
|5 Year Change||59.38%|
|Change since IPO||20,280.23%|
Recent News & Updates
Fiserv: Quietly Securing Its Leading Position
As high growth stocks are getting hammered, profitable businesses with solid competitive advantages are once again in the spotlight. Proceeds from Fiserv's legacy businesses are used to secure the company's leading position over the long-term. At the same time, the company remains very conservatively priced relative to peers.
|FISV||US IT||US Market|
Return vs Industry: FISV exceeded the US IT industry which returned -26.4% over the past year.
Return vs Market: FISV underperformed the US Market which returned -10.4% over the past year.
|FISV Average Weekly Movement||4.6%|
|IT Industry Average Movement||10.2%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: FISV is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: FISV's weekly volatility (5%) has been stable over the past year.
About the Company
Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform.
Fiserv Fundamentals Summary
|FISV fundamental statistics|
Is FISV overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|FISV income statement (TTM)|
|Cost of Revenue||US$8.19b|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.63|
|Net Profit Margin||10.23%|
How did FISV perform over the long term?See historical performance and comparison
Is Fiserv undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FISV ($96.17) is trading below our estimate of fair value ($179.07)
Significantly Below Fair Value: FISV is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: FISV is poor value based on its PE Ratio (36.6x) compared to the US IT industry average (26.3x).
PE vs Market: FISV is poor value based on its PE Ratio (36.6x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: FISV is poor value based on its PEG Ratio (2x)
Price to Book Ratio
PB vs Industry: FISV is good value based on its PB Ratio (2x) compared to the US IT industry average (3.1x).
How is Fiserv forecast to perform in the next 1 to 3 years based on estimates from 28 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: FISV's forecast earnings growth (18.3% per year) is above the savings rate (1.9%).
Earnings vs Market: FISV's earnings (18.3% per year) are forecast to grow faster than the US market (12.6% per year).
High Growth Earnings: FISV's earnings are forecast to grow, but not significantly.
Revenue vs Market: FISV's revenue (6.6% per year) is forecast to grow slower than the US market (8% per year).
High Growth Revenue: FISV's revenue (6.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: FISV's Return on Equity is forecast to be low in 3 years time (13.4%).
How has Fiserv performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FISV has high quality earnings.
Growing Profit Margin: FISV's current net profit margins (10.2%) are higher than last year (5.9%).
Past Earnings Growth Analysis
Earnings Trend: FISV's earnings have grown by 2.7% per year over the past 5 years.
Accelerating Growth: FISV's earnings growth over the past year (95.3%) exceeds its 5-year average (2.7% per year).
Earnings vs Industry: FISV earnings growth over the past year (95.3%) exceeded the IT industry 21.9%.
Return on Equity
High ROE: FISV's Return on Equity (5.5%) is considered low.
How is Fiserv's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: FISV's short term assets ($18.4B) exceed its short term liabilities ($17.7B).
Long Term Liabilities: FISV's short term assets ($18.4B) do not cover its long term liabilities ($25.6B).
Debt to Equity History and Analysis
Debt Level: FISV's net debt to equity ratio (54.4%) is considered high.
Reducing Debt: FISV's debt to equity ratio has reduced from 191.4% to 63.2% over the past 5 years.
Debt Coverage: FISV's debt is not well covered by operating cash flow (19.2%).
Interest Coverage: FISV's interest payments on its debt are well covered by EBIT (3.7x coverage).
What is Fiserv current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate FISV's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate FISV's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if FISV's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if FISV's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as FISV has not reported any payouts.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Frank Bisignano (62 yo)
Mr. Frank J. Bisignano serves as the Chief Executive Officer at Fiserv, Inc. July 1, 2020. Mr. Bisignano serves as the Chief Executive Officer at FDGS Group, LLC and FundsXpress Financial Network, Inc. Mr....
CEO Compensation Analysis
Compensation vs Market: Frank's total compensation ($USD20.39M) is above average for companies of similar size in the US market ($USD13.26M).
Compensation vs Earnings: Frank's compensation has increased by more than 20% in the past year.
Experienced Management: FISV's management team is considered experienced (2.8 years average tenure).
Experienced Board: FISV's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Fiserv, Inc.'s employee growth, exchange listings and data sources
- Name: Fiserv, Inc.
- Ticker: FISV
- Exchange: NasdaqGS
- Founded: 1984
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$62.164b
- Shares outstanding: 646.39m
- Website: https://www.fiserv.com
Number of Employees
- Fiserv, Inc.
- 255 Fiserv Drive
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 00:00|
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.