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FISV

S&P 500
Neutral · 50/100

Fiserv

Financials
Transaction & Payment Processing Services

$47.18

1.4%

Updated Today 7:15 PM ET

Price — Past Year

▼ Down 70.7% over the last 12 months

Price 50-day average 200-day averageSource: Yahoo Finance · refreshed daily
Key Metrics

Market Cap

$25.52B

P/E

7.91x

Forward P/E (est.)

7.58x

ROE

12.5%

Revenue Growth

1.9%

EPS Growth

4.3%

Profit Margin

15.2%

FCF Yield

16.8%

Debt / Equity

1.12x

ROIC

16.0%

Interest Coverage

5.79x

Current Ratio

1.06x

Dividend Yield

Implied Growth (rev. DCF)

-6.7%

Rating Score

50/100

Technical Analysis (Educational)
Research

Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what FISV's chart says today, with each tool explained.

Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. FISV trades near $47.18, below its 50-day average ($56.96) and 200-day average ($74.93). Price below both averages is a downtrend — momentum is against buyers for now.

Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 32 it is in neutral territory — neither stretched nor washed out.

MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently negative — short-term momentum is fading.

Volatility — ATR. Average True Range is the typical daily move. FISV's is $2.61 (~5.5% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.

Support & resistance. Over the last month FISV found buyers near $47.37 (support) and sellers near $59.08 (resistance); its 52-week range is $47.37–$177.36. A decisive break beyond either edge often marks the next move.

Volume. The latest session traded 1.5× the 20-day average — heavier than usual, which adds conviction to the move. Rising volume on up-days suggests real buying; on down-days, real selling.

Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.

Business Overview
Research

Fiserv (FISV) is a large-cap company in the Transaction & Payment Processing Services industry, part of the Financials sector of the S&P 500, with a market value around $25.52B.

In its latest reported year it generated about $21.19B in revenue and $3.48B in net profit.

Our model rates FISV Neutral (50/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.

Revenue Growth
Research

4Y CAGR

6.9%

Revenue moved from $16.23B in 2021 to $21.19B in 2025, a 6.9% compound annual growth rate. The most recent year was roughly flat (1.9%) year over year. Slower, mature growth is common for established businesses.

Profitability
Research

Gross Margin

58.1%

Operating Margin

27.5%

Net Margin

16.4%

ROE

12.5%

Fiserv keeps about 15.2% of each sales dollar as net profit, with a 58.1% gross margin and 27.5% operating margin. Return on equity is 12.5% and return on invested capital about 16.0%. Margins this wide usually signal pricing power or a cost advantage.

Debt Analysis
Research

Total Debt

$3.23B

Net Debt

$2.40B

Net Debt / EBITDA

0.41x

Debt / Equity

1.12x

Leverage: debt-to-equity is 1.1x, and operating profit covers interest about 5.8x, with a current ratio of 1.1x. That is a moderate, manageable debt load for most businesses. It carries roughly $3.23B of total debt against $829.00M of cash.

Cash Flow Analysis
Research

Operating CF

$6.06B

Free Cash Flow

$4.30B

FCF Margin

20.3%

In the latest year Fiserv produced about $6.06B of operating cash flow and $4.30B of free cash flow after capital spending. That is a free-cash-flow yield of about 16.8% on today's price. Strong cash generation funds dividends, buybacks, and reinvestment.

Valuation Analysis
Research

P/E

7.91x

P/S

1.24x

P/B

1.35x

EV / EBITDA

3.23x

FISV trades at 7.9x trailing earnings (about 7.6x on estimated forward earnings), 1.2x sales, and 1.3x book value. Reverse-engineering today's price implies the market expects roughly -6.7% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.

Metrics vs. Typical Range

Where this stock sits versus what most companies trade at.

TTM P/E
7.9xCheap
Forward P/E
7.6xCheap
P/S ratio
1.2xCheap
Revenue growth
1.9%Weak
EPS growth
4.3%Weak
Gross margin
58.1%Strong
Net margin
15.2%Strong
ROE
12.5%Average

Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.

Sector Peer Comparison

How FISV stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.

In the Financials sector (76 S&P 500 companies), FISV ranks #64 of 76 by our overall rating. It trades at a discount versus the sector on earnings (7.9x P/E vs. 15.2x median) with a lower return on equity (12.5% vs. 15.3%) and slower revenue growth (1.9% vs. 9.1%).

P/E vs sector

7.9x

median 15.2x

ROE vs sector

12.5%

median 15.3%

Growth vs sector

1.9%

median 9.1%

Sector rank

#64

of 76 by rating

CompanyP/ERev Gr.Rating
FISVThis stock7.9x1.9%Neutral· 50
CPAY18.8x18.3%Favorable· 71
FIS7.4x12.2%Favorable· 70
GPN13.1x-12.6%Neutral· 44
PYPL7.4x5.8%Favorable· 66
XYZ55.1x2.3%Weak· 25
JKHY17.3x8.4%Strong· 74
WRB13.3x5.8%Favorable· 62
Financials median15.2x9.1%65/100

Valuation vs. quality map

sector medianCPAYFISGPNPYPLXYZJKHYWRBFISVP/E — cheaper ←→ pricierROE — more profitable ↑

The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.

Compare side by side

Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.

5-Year Projection Model

Project revenue → earnings → price. Edit the assumptions to build your own case.

2030 price target (Base Case)

$36.86$58.97

vs. $47.18 today · expected CAGR -5%5%

Metric20262027202820292030
Revenue$21.83B$22.48B$23.16B$23.85B$24.57B
Net income$3.49B$3.60B$3.71B$3.82B$3.93B
EPS$6.55$6.75$6.95$7.16$7.37
Share price (low)$32.75$33.73$34.74$35.78$36.86
Share price (high)$52.40$53.97$55.59$57.26$58.97
CAGR (low–high)-31% / 11%-15% / 7%-10% / 6%-7% / 5%-5% / 5%

Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.

Bull Case

The case for FISV:

  • High net margins (15.2%) point to pricing power or efficiency.
  • Healthy free-cash-flow yield (~16.8%) funds buybacks and dividends.
Bear Case

The case against FISV:

  • Revenue growth is slow (1.9%), limiting the upside engine.
  • Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Key Risks
Research

Balance-sheet risk — debt/equity of 1.1x magnifies the impact of higher rates or weaker earnings.

Growth risk — sluggish revenue (1.9%) leaves little margin for execution missteps.

Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.

Investment Thesis
Research

On balance, the picture is mixed: Fiserv is a large-cap financials business growing at a mature pace, with solid profitability, and a heavier debt load to watch. It trades at 7.9x earnings, which our model scores Neutral (50/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.

Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.

Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.