Fiserv Inc

Consumer Discretionary
Business Services
www.fiserv.com

Earnings Score
Moat Score
Safety Score
Final Score

Market Cap $103.58B
PE 32
Debt $28.30B
Cash $3.37B
EV $128.51B
FCF $4.96B

Earnings

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Sales & Net Margins

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Earnings	$3.24B
EBIT	$6.09B
ROE	12%
ROA	8%
FCF	$4.96B
Equity	$26.52B
Growth Stability	80%
PE	31.93
PEG	0.82
PB	3.91
P/FCF	20.87
P/S	5
Price/Cash	0.03
Debt/Equity	1.07
Debt/FCF	5.7
Net Margins	17%
Op. Margins	29%
Earnings CAGR	17%
Sales Growth YoY	5%
Sales Growth QoQ	-2%
Sales CAGR	21%
FCF CAGR	21%
Equity CAGR	42%
Earnings Stability	0.71
Earnings Growth YoY	15%
Earnings Growth QoQ	-10%

Earnings CAGR 5Y	39%
Sales CAGR 5Y	8%
FCF CAGR 5Y	10%
Equity CAGR 5Y	-4%
Earnings CAGR 3Y	7%
Sales CAGR 3Y	7%
FCF CAGR 3Y	25%
Equity CAGR 3Y	-6%
Market Cap	$103.58B
Revenue	$20.70B
Assets	$80.40B
Total Debt	$28.30B
Cash	$3.37B
Shares Outstanding	557.89M
EV	128.51B
Earnings Score	91%
Moat Score	90%
Safety Score	80%
Final Score	87%
Working Capital	2.3B
Current Ratio	1.1
Shares Growth 3y	-5%
Equity Growth QoQ	-4%
Equity Growth YoY	-10%

Assets & ROA

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Stockholders Equity & ROE

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Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for U.S. banks and credit unions, with a focus on small and midsize banks. Through the merger with First Data in 2019, Fiserv now provides payment processing services for merchants. About 10% of the company's revenue is generated internationally.

SEC Filings

Direct access to Fiserv Inc (FI) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2025
- 10-Q Mar 31
2024
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Fiserv Inc compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Fiserv Inc compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 17%

Stability 71%

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Fiserv Inc Discounted Cash Flow

Fully customizable DCF calculator online for Fiserv Inc.

Years

Calculation mode

= $215B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$5B	$6B	$7.3B	$8.8B	$11B	$13B	$16B	$19B	$23B	$28B	$33B	$333B
DCF		$5.5B	$6B	$6.6B	$7.3B	$8B	$8.8B	$9.6B	$11B	$12B	$13B	$128B
Value	$215B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Net Margins	14%	17%	22%	20%	9%	6%	8%	14%	16%	15%	17%
ROA	-	15%	15%	16%	2%	3%	3%	4%	6%	8%	8%
ROE	-	37%	46%	52%	3%	3%	4%	8%	10%	11%	12%

Good Net Margins (16.53%)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	TTM
Debt over FCF	-	4.08	4.1	5	10.77	6.54	7.39	6.82	6.13	4.91	5.7
Debt over Equity	1.62	1.83	1.8	2.6	0.65	0.64	0.67	0.68	0.76	0.9	1.07
Growth Stability	-	-	-	100%	80%	86%	100%	100%	100%	100%	80%

Bad Debt/FCF ratio (5.7)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Neutral Debt/Equity ratio (1.07)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (80%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	12/2023	12/2024	CAGR 5Y
Revenue YoY growth	-	5%	3%	2%	75%	46%	9%	9%	8%	7%	8%
Earnings YoY growth	-	31%	34%	-5%	-25%	7%	39%	90%	21%	2%	39%
Equity YoY growth	-	-4%	7%	-16%	1K%	-4%	-4%	-0%	-3%	-9%	-4%
FCF YoY growth	-	16%	5%	-0%	74%	57%	-11%	9%	20%	34%	10%