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Fundamentals snapshot

Fiserv, Inc.

FISV · NMS

Current price

$53.78

52-week range

$51.78 - $177.36

Market cap

$28.68B

One-glance verdict

Undervalued

$191.33 our estimate vs market $53.78

Wall Street consensus: $70.00 (-63.4% lower than our fair-value estimate)

Balance sheet

Stretched

3.72x Stretched

Net cash $0.00. Interest coverage shows how many times profit covers the interest bill.

What this company does

Fiserv, Inc.

We couldn't generate the summary right now, but the rest of the dashboard still uses live market data.

Price history

How the share price has moved

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Earnings history

Last 8 quarters — what happened

Click any quarter to read the call summary and what the numbers say.

Free cash flow by quarter (oldest to newest)
FY2024 Q2 $993.00M FY2024 Q3 $1.84B FY2024 Q4 $1.82B FY2025 Q1 $313.00M FY2025 Q2 $1.19B FY2025 Q3 $1.30B FY2025 Q4 $1.50B FY2026 Q1 $141.00M
Revenue $5.03B
Net income $571.00M
Diluted EPS 1.07
Operating cash flow $599.00M
Free cash flow $141.00M
Revenue $5.28B
Net income $811.00M
Diluted EPS 1.51
Operating cash flow $1.94B
Free cash flow $1.50B
Revenue $5.26B
Net income $792.00M
Diluted EPS 1.46
Operating cash flow $1.80B
Free cash flow $1.30B
Revenue $5.52B
Net income $1.03B
Diluted EPS 1.86
Operating cash flow $1.67B
Free cash flow $1.19B
Revenue $5.13B
Net income $851.00M
Diluted EPS 1.51
Operating cash flow $648.00M
Free cash flow $313.00M
Revenue $5.25B
Net income $938.00M
Diluted EPS 1.63
Operating cash flow $2.22B
Free cash flow $1.82B
Revenue $5.21B
Net income $564.00M
Diluted EPS 0.98
Operating cash flow $2.24B
Free cash flow $1.84B
Revenue $5.11B
Net income $894.00M
Diluted EPS 1.53
Operating cash flow $1.34B
Free cash flow $993.00M

Is it cheap or expensive?

Fair value $191.33 vs current price $53.78

Wall Street consensus is the average analyst price target: $70.00 (-63.4% lower than our fair-value estimate).

Our most-likely fair value is $191.33 a share — about 255.8% above today's price of $53.78, so the stock currently looks cheap (undervalued).

undervalued

We estimate the cash this business should generate over the next 10 years and beyond, then convert it to today's money for a fair value per share, in its trading currency. Cautious, middle and optimistic growth cases give a range. Not for banks/insurers.

Base

Growth 7.0% · Discount 8.1% · Terminal 2.5%

$191.33

Bear

Growth 2.5% · Discount 8.1% · Terminal 2.5%

$147.56

Bull

Growth 11.0% · Discount 8.1% · Terminal 2.5%

$240.14

Is it drowning in debt?

Stretched

Net cash $0 - more cash than debt. Interest coverage 3.7x.

Net debt $0.00
Interest coverage 3.72x

Fiserv, Inc.'s profit covers its interest bill about 3.7 times over.

Stretched
Worse cushion Baseline Better cushion
FISV BASELINE Fiserv, Inc.

Total debt — Interest coverage 3.72x This is the baseline the peer rows are being compared against.

3.72x
FIS Fidelity National Information Services, Inc.

Total debt $21.15B Interest coverage 4.50x +21% vs FISV Carries about 1.2x more debt cushion than FISV.

4.50x +21% vs FISV
GPN Global Payments Inc.

Total debt $23.59B Interest coverage 2.27x -39% vs FISV Carries about 1.6x less debt cushion than FISV.

2.27x -39% vs FISV
PYPL PayPal Holdings, Inc.

Total debt $11.67B Interest coverage 14.50x +290% vs FISV Carries about 3.9x more debt cushion than FISV.

14.50x +290% vs FISV
JKHY Jack Henry & Associates, Inc.

Total debt $136.59M Interest coverage 54.49x +1,364% vs FISV Carries about 14.6x more debt cushion than FISV.

54.49x +1,364% vs FISV

What you should know

The case for and against FISV

2 Rewards 1 Risk

Rewards

  • Free cash flow was positive in 10/10 years.
  • Trades at 9.1x P/E vs peer median 12.9x (29.1% cheaper).

Risks

  • Net debt grew 37.2% over 3 years.

The numbers

All the key metrics, grouped by purpose

Tap any ? icon to learn what it means.

Valuation

How expensive the stock looks

P/E (TTM)
9.12x
Forward P/E
6.01x
P/B
1.09x
P/S
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EV/EBITDA
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PEG ratio
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Profitability

How much profit each dollar creates

Gross margin
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Operating margin
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Net margin
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ROE
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ROA
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Health

Liquidity and balance-sheet strength

Debt / equity
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Current ratio
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Quick ratio
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Total debt
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Total cash
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Growth

How the business has been compounding

Revenue TTM
$21.09B
Revenue 5Y CAGR
6.9%
EPS TTM
6.34
EPS 5Y CAGR
17.5%

Cash flow

How much cash the business throws off

Operating CF TTM
$6.01B
Free CF TTM
$4.30B
FCF margin
20.4%

Dividend

Shareholder payout

Yield
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Payout ratio
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Last ex-div date
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