# Fiserv, Inc. Common Stock (FISV) — Stock CV

Fiserv, Inc. 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.

> 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.

## Identity

- **Ticker**: FISV
- **Sector**: Technology
- **Industry**: Services-Business Services, Nec
- **Headquarters**: MILWAUKEE, WI
- **Employees**: 38 000
- **Website**: https://www.fiserv.com
- **Market cap**: $24.3B
- **Last price**: $45.63
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $20.9B
- **Net income**: $2.80B
- **Free cash flow**: $3.93B
- **Net debt**: $28.2B
- **P/E**: 8.7
- **Revenue growth (YoY)**: -1.2%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 100 |
| Growth | 87 |
| Profitability | 57 |
| Health | 27 |
| Quality | 85 |
| Moat | 74 |

## Qualifications (beginner checklist) — 7 of 10 passed

- [ ] Revenue growing — -1.2% YoY
- [x] Profitable — $2.80B TTM
- [x] Profit growing — +17.5% YoY
- [x] Generates cash — $3.93B TTM
- [ ] Debt under control — ~7.2y of cash flow to repay
- [x] Established company — $24.3B market cap
- [x] Not printing shares — -19.7% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 22/100
- [x] Valuation not extreme — P/E 8.7

## Experience (career milestones)

- **FY2025** — Best year on record: $3.48B net income
- **FY2019** — Revenue crossed $10B: $10.2B for the year
- **2019** — Largest acquisition: First Data Corporation in 2019 for $22 billion * Total acquisitions: Over 24 companies since…
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $5.50B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## 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

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $16.2B | $1.33B | $2.87B |
| FY2022 | $17.7B | $2.53B | $3.14B |
| FY2023 | $19.1B | $3.07B | $3.77B |
| FY2024 | $20.5B | $3.13B | $5.06B |
| FY2025 | $21.2B | $3.48B | $4.30B |

---

Source: https://stockcv.com/FISV — derived from company filings; may be delayed or incomplete. Information, not investment advice.