Fiserv, Inc.

NasdaqGS:FISV Stok Raporu

Piyasa değeri: US$30.1b

Fiserv Gelecekteki Büyüme

Future kriter kontrolleri 1/6

Fiserv kazanç ve gelirin sırasıyla yıllık 5.9% ve 1.7% oranında artacağı tahmin edilmektedir. EPS'nin yıllık 10.4% oranında büyümesi beklenmektedir. Özkaynak kârlılığının 3 yıl içinde 15.1% olacağı tahmin edilmektedir.

Anahtar bilgiler

5.9%

Kazanç büyüme oranı

10.44%

EPS büyüme oranı

Diversified Financial kazanç büyümesi8.0%
Gelir büyüme oranı1.7%
Gelecekteki özkaynak getirisi15.05%
Analist kapsamı

Good

Son güncelleme20 May 2026

Gelecekteki son büyüme güncellemeleri

Recent updates

Anlatı Güncellemesi • 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.
Seeking Alpha • May 05

Fiserv Looks Like A Value Trap After Q1

Summary Fiserv, Inc. continues to deteriorate, with Q1 2026 revenue down 2% and organic revenue down 4% year-over-year. FISV margins are sharply contracting: Merchant Solutions fell from ~34% to 26%, and Financial Solutions from 47.5% to 38%. Despite FISV's reaffirmed guidance (organic growth 1%-3%, EPS $8-$8.3), I see no credible turnaround plan or offensive strategy. High leverage ($28B debt) and declining free cash flow ($259M vs. $371M) leave FISV little room for innovation or error. Read the full article on Seeking Alpha
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Yeni Anlatı • 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 sources​​​​​​​​​​​​​​​​
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Analiz Makalesi • 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...
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking Alpha • Dec 06

Fiserv: Favorable Macroeconomic Tailwinds Will Drive Steady Revenue Growth

Summary Fiserv is poised for robust growth driven by favorable macroeconomic trends, strong holiday season performance, and international expansion, particularly with its Clover platform. Anticipated Fed rate cuts in 2025 are expected to stimulate small business growth, a key segment for Fiserv, enhancing revenue and margin expansion. Fiserv's recent performance, including 15% organic revenue growth and 40.2% operating margins, underscores its strong execution and market position. Despite a premium valuation, Fiserv's superior growth profile, product innovation, and strategic partnerships justify a BUY rating with the potential for multiple expansion. Read the full article on Seeking Alpha
Seeking Alpha • Oct 23

Fiserv: No Longer A Bargain But Still A Fairly Valued High-Quality Company

Summary Fiserv's performance validates the initial investment thesis and consistent buy recommendation. Updating and rolling forward my DCF gives a fair value of $195. As FI is no longer undervalued, I changed my rating to Hold. I discuss the merits of holding a high-quality franchise at fair value or with even a minor overvaluation. Read the full article on Seeking Alpha

Kazanç ve Gelir Büyüme Tahminleri

NasdaqGS:FISV - Analistlerin gelecek tahminleri ve geçmiş finansal verileri (USD Millions )
TarihGelirKazançlarSerbest Nakit AkışıFaaliyetlerden NakitAvg. Analist Sayısı
12/31/202821,6413,6154,5556,40314
12/31/202720,8603,3544,2506,07727
12/31/202620,0423,0133,8965,56928
3/31/202621,0903,2004,1276,013N/A
12/31/202521,1933,4804,2996,062N/A
9/30/202521,1603,6074,6196,339N/A
6/30/202521,1123,3795,1576,772N/A
3/31/202520,7033,2474,9646,448N/A
12/31/202420,4563,1315,0626,631N/A
9/30/202420,1223,0634,4816,005N/A
6/30/202419,7803,4513,8495,326N/A
3/31/202419,4293,2403,3944,863N/A
12/31/202319,0933,0683,7745,162N/A
9/30/202318,8072,9803,8355,200N/A
6/30/202318,4522,5093,3814,821N/A
3/31/202318,1462,4243,4464,933N/A
12/31/202217,7372,5303,1394,618N/A
9/30/202217,3632,0812,8344,328N/A
6/30/202217,0082,0282,4423,826N/A
3/31/202216,6091,6992,6403,897N/A
12/31/202116,2261,3342,8744,034N/A
9/30/202115,8011,3012,8523,877N/A
6/30/202115,4241,1373,3354,241N/A
3/31/202114,8388703,3234,211N/A
12/31/202014,8529583,2474,147N/A
9/30/202015,0659053,2934,272N/A
6/30/202014,4078393,2694,268N/A
3/31/202012,4541,0602,5743,443N/A
12/31/201910,187893N/A2,928N/A
9/30/20197,693932N/A2,188N/A
6/30/20195,977961N/A1,518N/A
3/31/20195,885989N/A1,596N/A
12/31/20185,8231,187N/A1,595N/A
9/30/20185,7881,433N/A1,511N/A
6/30/20185,7761,438N/A1,467N/A
3/31/20185,7421,408N/A1,411N/A
12/31/20175,6961,232N/A1,502N/A
9/30/20175,611915N/A1,404N/A
6/30/20175,591897N/A1,435N/A
3/31/20175,568888N/A1,385N/A
12/31/20165,505930N/A1,431N/A
9/30/20165,442904N/A1,433N/A
6/30/20165,375908N/A1,433N/A
3/31/20165,310823N/A1,509N/A
12/31/20155,254712N/A1,346N/A
9/30/20155,202704N/A1,302N/A
6/30/20155,152725N/A1,337N/A

Analist Gelecek Büyüme Tahminleri

Kazançlar ve Tasarruf Oranları: FISV 'nin tahmini kazanç büyümesi (yıllık 5.9% ) tasarruf oranının ( 3.5% ) üzerindedir.

Kazançlar ve Piyasa: FISV şirketinin kazançlarının (yıllık 5.9% ) US pazarından (yıllık 16.8% ) daha yavaş büyümesi öngörülüyor.

Yüksek Büyüme Kazançları: FISV şirketinin kazançlarının artması bekleniyor, ancak önemli ölçüde.

Gelir ve Pazar: FISV şirketinin gelirinin (yıllık 1.7% ) US pazarından (yıllık 11.6% ) daha yavaş büyümesi öngörülüyor.

Yüksek Büyüme Geliri: FISV şirketinin gelirinin (yıllık 1.7% ) yıllık 20% oranından daha yavaş büyümesi öngörülüyor.

Hisse Başına Kazanç Büyüme Tahminleri

Gelecekteki Özkaynak Getirisi

Gelecekteki ROE: FISV 'nin Özsermaye Getirisi'nin 3 yıl içinde düşük olması tahmin ediliyor ( 15.1 %).

Büyüyen şirketleri keşfedin

7D

1Y

7D

1Y

7D

1Y

Şirket Analizi ve Finansal Veri Durumu

VeriSon Güncelleme (UTC saati)
Şirket Analizi2026/05/21 21:35
Gün Sonu Hisse Fiyatı2026/05/21 00:00
Kazançlar2026/03/31
Yıllık Kazançlar2025/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

PaketVeriZaman ÇerçevesiÖrnek ABD Kaynağı *
Şirket Finansalları10 yıl
  • Gelir tablosu
  • Nakit akış tablosu
  • Bilanço
Analist Konsensüs Tahminleri+3 yıl
  • Finansal tahminler
  • Analist fiyat hedefleri
Piyasa Fiyatları30 yıl
  • Hisse senedi fiyatları
  • Temettüler, Bölünmeler ve Eylemler
Sahiplik10 yıl
  • En büyük hissedarlar
  • İçeriden öğrenenlerin ticareti
Yönetim10 yıl
  • Liderlik ekibi
  • Yönetim Kurulu
Önemli Gelişmeler10 yıl
  • Şirket duyuruları

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.

Analist Kaynakları

Fiserv, Inc. 57 Bu analistlerden 28, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

AnalistKurum
Jasper HellwegArgus Research Company
David KoningBaird
Gary PrestopinoBarrington Research Associates, Inc.