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FISV

Fiserv NasdaqGS:FISV Stock Report

Last Price

US$94.17

Market Cap

US$63.2b

7D

1.7%

1Y

-16.7%

Updated

18 May, 2022

Data

Company Financials +
FISV fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance5/6
Financial Health3/6
Dividends0/6

FISV Stock Overview

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide.

Fiserv Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Fiserv
Historical stock prices
Current Share PriceUS$94.17
52 Week HighUS$119.86
52 Week LowUS$89.91
Beta0.79
1 Month Change-5.73%
3 Month Change-0.17%
1 Year Change-16.72%
3 Year Change5.10%
5 Year Change53.42%
Change since IPO19,856.39%

Recent News & Updates

May 09

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.

Shareholder Returns

FISVUS ITUS Market
7D1.7%2.5%0.5%
1Y-16.7%-27.4%-11.5%

Return vs Industry: FISV exceeded the US IT industry which returned -25.2% over the past year.

Return vs Market: FISV underperformed the US Market which returned -8.1% over the past year.

Price Volatility

Is FISV's price volatile compared to industry and market?
FISV volatility
FISV Average Weekly Movement4.6%
IT Industry Average Movement10.2%
Market Average Movement7.9%
10% most volatile stocks in US Market17.0%
10% least volatile stocks in US Market3.0%

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

FoundedEmployeesCEOWebsite
198444,000Frank Bisignanohttps://www.fiserv.com

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

How do Fiserv's earnings and revenue compare to its market cap?
FISV fundamental statistics
Market CapUS$63.16b
Earnings (TTM)US$1.70b
Revenue (TTM)US$16.61b

35.8x

P/E Ratio

3.7x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FISV income statement (TTM)
RevenueUS$16.61b
Cost of RevenueUS$8.19b
Gross ProfitUS$8.42b
Other ExpensesUS$6.72b
EarningsUS$1.70b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)2.63
Gross Margin50.67%
Net Profit Margin10.23%
Debt/Equity Ratio63.2%

How did FISV perform over the long term?

See historical performance and comparison

Valuation

Is Fiserv undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


47.8%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: FISV ($94.17) is trading below our estimate of fair value ($180.39)

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 (35.8x) compared to the US IT industry average (26.4x).

PE vs Market: FISV is poor value based on its PE Ratio (35.8x) compared to the US market (16x).


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 (1.9x) compared to the US IT industry average (3.2x).


Future Growth

How is Fiserv forecast to perform in the next 1 to 3 years based on estimates from 28 analysts?

Future Growth Score

2/6

Future Growth Score 2/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


18.3%

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 (12.4% per year).

High Growth Earnings: FISV's earnings are forecast to grow, but not significantly.

Revenue vs Market: FISV's revenue (6.7% per year) is forecast to grow slower than the US market (7.8% per year).

High Growth Revenue: FISV's revenue (6.7% 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%).


Past Performance

How has Fiserv performed over the past 5 years?

Past Performance Score

5/6

Past Performance Score 5/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


2.7%

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 22.4%.


Return on Equity

High ROE: FISV's Return on Equity (5.5%) is considered low.


Financial Health

How is Fiserv's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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).


Balance Sheet


Dividend

What is Fiserv current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

2.8yrs

Average management tenure


CEO

Frank Bisignano (62 yo)

2.83yrs

Tenure

US$20,385,208

Compensation

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 ($USD20.39M) is above average for companies of similar size in the US market ($USD13.27M).

Compensation vs Earnings: Frank's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: FISV's management team is considered experienced (2.8 years average tenure).


Board Members

Experienced Board: FISV's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


Ownership

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

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Fiserv, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Fiserv, Inc.
  • Ticker: FISV
  • Exchange: NasdaqGS
  • Founded: 1984
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Implied Market Cap: US$63.159b
  • Shares outstanding: 646.39m
  • Website: https://www.fiserv.com

Number of Employees


Location

  • Fiserv, Inc.
  • 255 Fiserv Drive
  • Brookfield
  • Wisconsin
  • 53045
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/18 00:00
End of Day Share Price2022/05/18 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.