Part 1 · What the company is worth
Overview
No description available.
No editorial profile for this company yet
Direct competitors
Who this company fights with for the same customers
Generated with artificial intelligence on September 18, 2026, shared with all users
FIS is the closest like-for-like rival, selling core account processing, card issuing and digital banking technology to the same banks and credit unions Fiserv serves.
Global Payments competes directly for merchant acquiring and point-of-sale contracts, from small shops to large retail chains, the same revenue Fiserv earns through Clover and Commerce Hub.
Jack Henry bids against Fiserv for the core processing and digital banking contracts of US community banks and credit unions.
Block's Square terminals and payment processing target the same small merchants that Fiserv's Clover platform is built to win.
Toast competes head-on with Clover for restaurant point-of-sale systems and the card payments that run through them.
Adyen competes for the enterprise and omnichannel merchants that Fiserv serves with Carat and Commerce Hub, especially those selling across several countries.
Balance Sheet & Liquidity
Revenue
$20.87B
Trailing 12 months (through 6/30/2026)
Net Income
$2.80B
Trailing 12 months (through 6/30/2026)
Free Cash Flow
$4.30B
Total Equity
$25.79B
Total Liabilities
$54.32B
Current Ratio
1.04
Interest Coverage
3.00
Debt/EBITDA
-
Earnings Per Share
Revenue & Net Income
Free Cash Flow
Income Breakdown
Historical statement
Margins over time
Debt over time
How heavy the debt is
Growth grid
Growth — Revenue
Fair Value Estimation
Fair Value
$142.02
Current Price
$49.86
Margin of Safety
+64.9%
Fair Value Range
$92.31 - $191.72
Spread across the valuation methods used, not a statistically calibrated confidence interval.
Estimation Methods
Valuation Metrics
P/E Ratio
9.57
ROE
13.5%
P/B Ratio
0.99
P/FCF
6.75
Gross Margin
-
ROIC
6.5%
Profitability Radar
Value Creation (Economic Moat)
ROIC
6.5%
WACC
6.7%
ROIC − WACC
-0.2 pp
ROIC is roughly in line with the cost of capital — the company is barely covering its capital cost.
Fundamental Analysis Criteria
Passed (18)
- EPS shows upward trend
- EPS CAGR 5.08%
- ROIC 6.5%
- P/FCF 6.75
- P/B ratio 0.99
- Debt/equity ratio
- Operating margin 22.3%
- Positive free cash flow
- Current ratio
- Interest coverage
- Return on tangible assets
- Price below Graham Number
- ROE 10.8%
- Revenue growth 5Y 7.4%
- PEG ratio 0.26
- Earnings quality (operating cash flow / net income) 2.08
- Share dilution -5.7%
- Piotroski F-Score 5/9
Failed (6)
- Price CAGR -0.64%
- CapEx intensity
- Low reliance on intangibles
- DCF valuation (Fairly Valued)
- Earnings surprise, average -3.8%
- Net margin trend 13.4% vs 16.0%
Unavailable (3)
- Gross margin –
- Dividend payout –
- Debt/EBITDA
Piotroski F-Score
Mixed signals: some areas need attention
Earnings Quality
High quality: earnings backed by cash
Share Dilution
Buying back shares. Shareholder friendly
Institutional Holdings
No institutional filings reported for this company.
Governance
Documents
- View document
Annual Report (10-K)
A yearly overview of the business, its financial results, and the risks it faces.
Filed on 2026-02-19
- View document
Quarterly Report (10-Q)
A snapshot of financial performance for the most recent three-month period.
Filed on 2026-08-07
- View document
Current Report (8-K)
An announcement of a major event, such as a leadership change or big news.
Filed on 2026-10-23
via SEC EDGAR
Income History
via SEC EDGAR
Part 2 · The price and its context
This part shows how the price has behaved, not whether the company is worth owning. Inside: technical analysis, potential, historical drawdowns, gamma exposure.
Market Reaction Profile
How much FISV moves, measured on its daily prices.
More volatile than 50% of the tracked stocks (90-day volatility).
- Volatility 30d
- 29.7%
- Volatility 90d
- 36.0%
- Beta vs S&P 500 (1y)
- 0.56Correlation 0.12
- Max drawdown (12m)
- -64.9%
- ATR (14d, % of price)
- 2.76%
Earnings reactions
How FISV moved around its past quarterly results.
Next earnings release
Nov 3, 2026 · In 10 days · Before the open
EPS estimate: 1.71Revenue estimate: $4.8B
What usually happens
- Over the last 12 releases the stock moved a median of 4.9% the next day, up or down.
- Next-day moves: up 6, down 5 (out of 12).
Release history
| Date | When | EPS est. | EPS actual | Surprise | Gap | 1 day | 5 days |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026 | Before the open | 1.95 | 1.84 | -5.5% | -7.8% | 0.0% | -4.7% |
| May 5, 2026 | Before the open | 1.60 | 1.79 | +11.7% | -7.9% | -8.8% | -13.4% |
| Feb 10, 2026 | Before the open | 1.94 | 1.99 | +2.8% | -0.8% | +4.1% | +5.5% |
| Oct 29, 2025 | Before the open | 2.70 | 2.04 | -24.3% | -43.4% | -44.0% | -48.9% |
| Jul 23, 2025 | Before the open | n/a | n/a | n/a | -17.5% | -13.8% | -14.1% |
| Apr 24, 2025 | Before the open | n/a | n/a | n/a | -11.1% | -18.5% | -15.0% |
| Feb 5, 2025 | Before the open | n/a | n/a | n/a | +4.8% | +7.1% | +7.3% |
| Oct 22, 2024 | Before the open | n/a | n/a | n/a | -2.7% | +1.3% | +2.2% |
| Jul 24, 2024 | Before the open | n/a | n/a | n/a | +1.8% | +2.5% | +3.7% |
| Apr 23, 2024 | Before the open | n/a | n/a | n/a | +7.0% | +4.4% | +3.7% |
| Feb 6, 2024 | Before the open | n/a | n/a | n/a | -1.8% | -2.1% | +0.1% |
| Oct 24, 2023 | Before the open | n/a | n/a | n/a | +3.2% | +5.3% | +3.0% |
Release dates from SEC 8-K filings.
Updated 10/24/2026
Historical statistics for educational purposes only. They are not forecasts and not investment advice.
Price reaction to the news
Latest news on FISV and what the price did next.
- 5/6/2026NegativeThese Analysts Slash Their Forecasts On Fiserv After Q1 Results
Published while the US market was open: the move of that day cannot be split into before and after the news, so no figure is shown.
Return of the stock minus return of SPY over the same days. A news item close to a price move did not necessarily cause it. Historical data for educational purposes only, not investment advice.
Latest News
Recent headlines for FISV.
- 5/6/2026NEGATIVEThese Analysts Slash Their Forecasts On Fiserv After Q1 Results
Fiserv Inc. (NASDAQ:FISV) reported Q1 results that presented a mixed picture for investors. While the company managed to surpass earnings per share expectations, its revenue fell short of forecasts. In response to these results, several financial analysts have revised their outlooks downwards, leading to price target reductions. This indicates a cautious sentiment among market watchers regarding Fiserv's near-term performance and growth prospects, despite the earnings beat.