Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks.
It is a $24.3B technology company. Revenue shrank 1.2% over the last year, it keeps 13¢ of every dollar of sales as profit, and its net debt equals ~7.2 years of free cash flow. It trades at 8.7× earnings — near the lowest of its own history.
- Website
- fiserv.com
- Location
- Milwaukee, WI
- Employees
- 38 000
- Sector
- Technology
Skills
Six independent scores, 0–100, built from reported numbers and valuation history. Click a row to see how it was scored.
Strong valuation, growth and quality; Health lags behind.
Valuation100
- P/E vs own history3th pct · 25/25
- FCF yield16.2% · 25/25
- P/S1.2x · 25/25
- EV/EBITDA7.6x · 25/25
Growth87
- Revenue CAGR6.9% · 12/25
- Net income CAGR27.1% · 25/25
- EPS CAGR ~5Y35.2% · 25/25
- Fwd implied growth46.0% · 25/25
Profitability57
- ROIC6.4% · 5/25
- ROE10.8% · 12/25
- Net margin13.4% · 20/25
- Operating margin23.1% · 20/25
Health27
- Altman Zn/a · 0/25
- Current ratio1.04 · 12/25
- Interest coverage3.7x · 10/25
- Net cash / debtD/A 35% · 5/25
Quality85
- Piotroski F6/9 · 15/25
- Beneish M-2.62 · 25/25
- FCF conversion140% · 25/25
- Margin stabilityσ 6.5% · 20/25
Moat74
- ROIC >12% years3/10 yrs · 6/25
- Median gross margin59.6% · 25/25
- FCF-positive years10/10 yrs · 25/25
- Worst-year net marginworst 6.5% · 18/25
Experience
The company's career so far — founding, the IPO, landmark products and acquisitions, plus revenue milestones and insider buying.
- FY2025FinancialBest year on record$3.48B net income
- FY2019FinancialRevenue crossed $10B$10.2B for the year
- 2019AcquisitionLargest acquisition: First Data Corporation in 2019 for $22 billion * Total acquisitions: Over 24 companies since…
- FY2016FinancialProfitable every year on record10 consecutive profitable years in our data
- FY2016FinancialRevenue already above $1B$5.50B in first reported year
- FY2016FinancialPositive free cash flow every year since10-year streak
Achievements
Verifiable track record, straight from the reported numbers.
Strengths & watch-outs
What a bull and a bear would each point to. Both lists come from the reported numbers, not opinions.
Strengths
- High gross margin (56.2%)
- Strong cash conversion — FCF is 18.8% of revenue
Watch-outs
- Revenue shrinking 1.2% year over year
- Net debt equals ~7.2 years of free cash flow
Qualifications
The basics a company should meet before you research it further. Each check uses the reported numbers.
- Revenue growing — the company sells more than a year ago-1.2% YoY
- Profitable — makes more than it spends$2.80B TTM
- Profit growing — earnings are higher than last year+17.5% YoY
- Generates cash — cash left after running and investing$3.93B TTM
- Debt under control — could handle its obligations~7.2y of cash flow to repay
- Established company — not a micro-cap — lower blow-up risk$24.3B market cap
- Not printing shares — share count not ballooning — you keep your slice-19.7% shares over ~5y
- Proven track record — years of profitability behind it10/10 profitable years
- Financially stable — balance sheet not near distresshealth score 22/100
- Pays a dividend — returns cash to shareholdersno data
- Valuation not extreme — price not wildly above earningsP/E 8.7
Peer comparisonFiserv, Inc. vs 6 largest technology peers — cap, P/E, growth and margin side by sideOpen ▾Close ▴
| Company | Market cap | P/E | Revenue growth | Net margin | Profile |
|---|---|---|---|---|---|
| FISV this company | $24.3B | 8.7 | -1.2% | 13.4% | Strained |
| NVDA Nvidia Corp | $5.5T | 28.6 | +83.4% | 63.7% | Mixed |
| AAPL Apple Inc. | $4.9T | 38.1 | +14.2% | 27.6% | Strong |
| GOOGL Alphabet Inc. | $4.3T | 17.6 | +20.1% | 54.8% | Mixed |
| MSFT Microsoft Corp | $4.0T | 29.7 | +17.8% | 40.3% | Strong |
| SPCX Space Exploration Technologies Corp. | $2.1T | — | +33.2% | -34.0% | Strained |
| META Meta Platforms, Inc. | $1.8T | 26.9 | +27.7% | 29.8% | Mixed |
Head-to-head: FISV vs NVDA · FISV vs AAPL · FISV vs GOOGL
References
What covering analysts publish about the company — information only, not a recommendation.
Appendix · Financial records
The full statements behind this CV, FY2016–FY2025. For readers who want to check the numbers.
Live data and quarterly detail: stockcv.com/FISV
Want the live picture — intraday moves, valuation history and full analysis?
Deeper analysis of FISV on PreMarketPriceFigures are derived from company filings (quarterly values normalised from as-filed year-to-date data where applicable) and may be delayed, restated or incomplete. This page is information, not investment advice. Latest price $45.63 · market cap $24.3B.