Stock Analysis
Fiserv, Inc. Common StockFISV
P/E 9.03×· 5Y range 7.89–65.83×· bottom 7% of history
Sector: Technology · Industry: Services-Business Services, Nec
AnalystsHold43 analystsP/E 9.0× sits at the 7th percentile of its 5.086926762491444-year history.
Cash covers 2% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Growth87
- Quality85
Risks
- Financial Health38
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓P/E 9.0× at bottom 7% of 5-year history
What's happening with FISV
Profile
Strong valuation, growth and earnings quality; financial health lags behind.
How is each axis scored?
- Valuation95/100 · Strong
- P/E vs own history (7th pct)25/25
- FCF yield (15.6%)25/25
- P/S (1.2x)25/25
- EV/EBIT (11.3x)20/25
- Growth87/100 · Strong
- Revenue CAGR (6.9%)12/25
- Net income CAGR (27.1%)25/25
- EPS CAGR 5Y (33.7%)25/25
- Fwd implied growth (51.8%)25/25
- Profitability57/100 · Moderate
- ROIC (6.8%)5/25
- ROE (10.4%)12/25
- Net margin (13.4%)20/25
- Operating margin (22.3%)20/25
- Financial Health38/100 · Weak
- Altman Z (0.99)3/25
- Current ratio (1.04)12/25
- Interest coverage (6.2x)18/25
- Net cash / debt (D/A 34%)5/25
- Quality85/100 · Strong
- Piotroski F (6/9)15/25
- Beneish M (-2.62)25/25
- FCF conversion (140%)25/25
- Margin stability (σ 6.9%)20/25
- Moat74/100 · Moderate
- ROIC >12% years (3/10 yrs)6/25
- Median gross margin (59.6%)25/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 6.5%)18/25
Risk Flags
- ⚠Altman Z 1.0 — distress-zone balance sheet
About Fiserv, Inc. Common Stock
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. Show more
Following its 2019 merger with First Data, Fiserv also provides payment processing services to merchants. About 10% of the company's revenue is generated internationally.
Headquarters: MILWAUKEE, WI · Employees: 38,000 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
95A+P/E (TTM)9.0xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 7.9x–65.8x · 7th pct
P/FCF6.4xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield15.6%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 3.4%–16.7% · 96th pct
P/S (TTM)1.21xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.1x–4.9x · 3rd pct
EV/EBIT11.3xA
Grade A: CheapEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 9.9x–41.4x · 39th pct
EV/Sales2.5xB
Grade B: FairEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E5.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio0.94xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio2.73C
Grade C: ExpensiveFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield—
TTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio—
Dividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC6.8%D
Grade D: LowNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE10.4%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA3.5%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin13.4%A
Grade A: HighNet Income / Revenue
Operating Margin22.3%C
Grade C: AverageTTM EBIT / TTM Revenue
Gross Margin56.2%A
Grade A: PremiumGross Profit / Revenue
FCF Margin18.8%A
Grade A: HighFCF / Revenue
True FCF Margin17.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
87ARevenue CAGR6.9%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR27.1%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)33.7%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth51.8%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-21.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income13.5%C
Grade C: MedStock-based comp/Net income. >30% = dilution risk
SBC / Revenue1.8%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
38DAltman Z-Score0.99D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.04xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio0.92xC
Grade C: Ok(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage6.2xC
Grade C: OkEBIT/Interest. >10 Strong
Debt Repayment7.0yC
Grade C: AverageYears to repay net debt via FCF
Net Debt/EBIT5.9xD
Grade D: HighLeverage. <2x Low, >4x High
Debt/Equity1.04xC
Grade C: MedDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.02xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Quality
85APiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.62A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion140.2%A
Grade A: StrongFCF / Net Income
Margin Stability6.9%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue9.1%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.26xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
COHEN STEPHANIE Filed | COHEN STEPHANIE | Grant / award | +775 | |
Yarkoni Charlotte Filed | Yarkoni Charlotte | Grant / award | +748 | |
Mamilli Wafaa Filed | Mamilli Wafaa | Grant / award | +858 | |
DiSimone Harry Filed | DiSimone Harry | Grant / award | +775 | |
Dufetel Celine S Filed | Dufetel Celine S | Grant / award | +775 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Nixon Gordon M. Filed | Nixon Gordon M. | Grant / award | +1.1K | |
Shedlin Gary Filed | Shedlin Gary | Grant / award | +886 | |
DE CASTRO HENRIQUE Filed | DE CASTRO HENRIQUE | Grant / award | +720 |
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
74B+ROIC >12% Years3/10 yrsD
Grade D: WeakShare of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)59.6%A
Grade A: DurableMedian annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor6.5%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$5.27
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$3.71
Cash & short-term investments per share (Finnhub)
Book Value / Share$50.67
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$28.03B
Total debt obligations (short + long term)
Cash & Equiv.$627.00M
Cash and short-term investments
Net Debt$27.41B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$26.93B
Shareholders' equity (book value)
Asset / Liability1.50xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$25.23B
Current Market Capitalization
Beta0.87B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Fiserv, Inc. Common Stock (FISV)
FISV is up 0.72% at the last close. Piotroski F-Score of 6/9 indicates mixed fundamentals for Fiserv, Inc. Common Stock. Altman Z-Score of 0.99 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.62 suggests a low likelihood of earnings manipulation.
- Fiserv, Inc. Common Stock converts about 19% of revenue into free cash flow — strong cash generation.
- Takes ~7.0 years to repay net debt from free cash flow.
- At a valuation score of 95/100, FISV trades near the cheapest end of its own historical range (P/E 9.0).
See how FISV ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all FISV moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 5 | Regular | 46.17 | +4.08% | 2.30 |
| Oct 5 | After-hours | 45.94 | +3.56% | 2.07 |
Frequently Asked Questions about FISV
What is the current Fiserv, Inc. Common Stock (FISV) stock price?
FISV is trading at $47.55 at the last market close, up 0.72% on the session. PreMarketPrice tracks FISV pre-market, intraday and after-hours prices.
Is FISV stock a buy right now?
PreMarketPrice's quantitative model rates Fiserv, Inc. Common Stock's financial health at 38/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is FISV stock overvalued?
Fiserv, Inc. Common Stock trades at a trailing P/E of 9.0 and our valuation score rates it 95/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Fiserv, Inc. Common Stock report earnings?
No confirmed earnings date is currently scheduled for FISV. The Earnings section lists recent reports and updates as dates are announced.
What sector does Fiserv, Inc. Common Stock operate in?
Fiserv, Inc. Common Stock operates in the Technology sector, within the Services-Business Services, Nec industry. The Related Stocks section lists sector peers for comparison.
What does Fiserv, Inc. Common Stock do?
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.
About Fiserv, Inc. Common Stock (FISV) Stock
Fiserv, Inc. Common Stock (FISV) is a US-listed stock operating in the Technology sector, specifically the Services-Business Services, Nec industry. As of the latest update, Fiserv, Inc. Common Stock is trading at $47.55, up 0.72% on the day with a market capitalization of $25.2 billion. The financial health score for FISV is 38/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for FISV stock.
FISV Stock Analysis & Key Metrics
On PreMarketPrice, you can track Fiserv, Inc. Common Stock (FISV) across multiple dimensions:
- Pre-market price & movement: Real-time FISV stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for FISV with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Fiserv, Inc. Common Stock across multiple reporting periods.
- Financial health score: A composite score of 38/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for FISV.
- Sector peers: Compare FISV against 6 other technology stocks on key financial metrics.
Is FISV a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Fiserv, Inc. Common Stock (FISV) as an investment. The financial health score of 38/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Fiserv, Inc. Common Stock (FISV) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.