FI Fiserv, Inc. - Fundamental Analysis
AI Analysis
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Key Strengths
Key Risks
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Fiserv appears cheap relative to both its history and the broader technology sector, where peers trade at premium multiples despite weaker profitability—suggesting FI is priced for permanent deceleration.
- Forward P/E of 6.26 is dramatically below sector average of 155.76
- Price/Sales of 1.62 and Price/Book of 1.36 are well below high-growth fintech peers
- Low multiples may reflect justified concerns about growth sustainability
- Missing EV/EBITDA and cash flow data limits full valuation confidence
The company’s future growth trajectory appears weak, with flat revenue and declining EPS momentum, while price trends show no sign of reversal—down 62% over 6 months—lagging strong peer momentum seen in Zoom and Snowflake.
- Analyst target implies 57% upside, suggesting belief in recovery potential
- Operating leverage could amplify bottom-line gains if revenue stabilizes
- Revenue growth of 0.9% YoY is insufficient for re-rating in a growth-oriented sector
- Recent Q/Q EPS decline of 17.4% and weakening earnings surprises undermine forward confidence
Fiserv has historically delivered reliable profitability and earnings execution, but the past year’s collapse in share price (-69.9%) and declining EPS trend suggest a breakdown in investor confidence, possibly due to macro pressures in payments or competitive erosion.
- Long track record of earnings stability—22 of 25 quarters at or above estimates
- Consistently high margins: gross (60.48%), operating (25.39%), and net (17.05%)
- Earnings growth has reversed sharply, with last two quarters showing YoY declines
- 5-year total return of -42.2% reflects prolonged underperformance despite solid fundamentals
Fiserv’s balance sheet is leveraged beyond sector norms, with tight liquidity (quick ratio 0.24), raising concerns about flexibility in a rising rate environment, though ongoing profitability may support debt servicing.
- Operating margin strength supports cash generation potential
- Current ratio of 1.08 indicates minimal short-term solvency risk
- Debt/Equity of 1.21 is high for the sector (avg 0.76), increasing financial risk
- Quick ratio of 0.24 signals limited liquid assets to cover short-term liabilities
The absence of a dividend reduces shareholder yield and signals capital is being retained—potentially for debt reduction or reinvestment—but offers no cushion for long-term investors amid volatility.
- No dividend currently paid, eliminating income appeal
- Payout ratio of 0.00% suggests no near-term return of capital to shareholders
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for FI and closest competitors.
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
FI
Fiserv, Inc.
Primary
|
-42.2% | -36.8% | -69.9% | -62.0% | -47.6% | -0.4% |
|
MCHP
Microchip Technology Incorporated
Peer
|
-9.3% | -25.6% | -16.1% | -11.3% | -18.0% | -5.0% |
|
TEAM
Atlassian Corporation
Peer
|
-19.9% | +7.5% | -39.3% | -31.2% | +1.3% | -3.8% |
|
PAYX
Paychex, Inc.
Peer
|
+38.6% | +0.9% | -20.7% | -26.9% | -11.2% | +0.1% |
|
FICO
Fair Isaac Corporation
Peer
|
+268.0% | +182.5% | -25.0% | -20.9% | +6.4% | +0.1% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability
Profit margins and return metrics
Growth
Revenue and earnings growth rates
Financial Health
Balance sheet strength and liquidity metrics
Quarterly Earnings History
EPS performance vs analyst estimates
Technology Sector Comparison
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
FI
Fiserv, Inc.
|
NEUTRAL | $34.31B | 9.86 | 13.5% | 17.0% | $63.8 | |
|
MCHP
Microchip Technology Incorporated
|
BEARISH | $28.9B | - | -2.9% | -4.4% | $53.48 | |
|
TEAM
Atlassian Corporation
|
NEUTRAL | $39.94B | - | -15.3% | -3.4% | $151.79 | |
|
PAYX
Paychex, Inc.
|
NEUTRAL | $40.34B | 25.13 | 41.3% | 27.9% | $112.1 | |
|
FICO
Fair Isaac Corporation
|
BULLISH | $41.29B | 65.79 | -% | 32.7% | $1741.37 |
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-10-30 | FRITZ LANCE M | Director | Purchase | 10,000 | $651,800 |
| 2025-05-28 | GELB ANDREW | Officer | Sale | 5,652 | $904,320 |
| 2025-05-27 | ROSMAN ADAM L | Officer | Sale | 2,512 | $403,631 |
Wall Street Analysts
Professional analyst ratings and price targets