Fiserv Inc
Exchange: NASDAQSector: TechnologyIndustry: Information Technology Services
Fiserv, Inc., a Fortune 500 company, moves more than money. As a global leader in payments and financial technology, the company helps clients achieve best-in-class results through a commitment to innovation and excellence in areas including account processing and digital banking solutions; card issuer processing and network services; payments; e-commerce; merchant acquiring and processing; and Clover ®, the world's smartest point-of-sale system and business management platform. Fiserv is a member of the S&P 500 ® Index and one of TIME Magazine's Most Influential Companies™.
Current Price
$55.48
-2.34%GoodMoat Value
$162.79
193.4% undervaluedProfile
Valuation (TTM)
Market Cap$29.67B
P/E9.27
EV$59.24B
P/B1.15
Shares Out534.78M
P/Sales1.41
Revenue$21.09B
EV/EBITDA6.77
Fiserv Inc (FISV) Stock Analysis
GoodMoat Analysis
Fiserv appears to be a high-quality, cash-generative business trading at a significant discount to its estimated intrinsic value. The company's moat is built on high switching costs and scale in financial technology, and its valuation metrics are deeply favourable. This combination of business strength and price makes it a compelling candidate for further due diligence.
Read full analysis
Fiserv Inc is a leading provider of financial technology solutions, including payment processing, core banking software, and merchant services. Applying the GoodMoat framework, the company demonstrates a durable competitive moat, likely scoring well on criteria like Switching Costs (its mission-critical software is deeply embedded in client operations), Scale Privilege, and Niche Dominance in financial services. Its financial quality is strong, evidenced by a robust 27.5% operating margin, a high free cash flow yield of 14.1%, and a solid ROE of 13.5%. The debt-to-equity ratio of 1.12 is manageable for a stable cash-generating business. The valuation is the most striking feature: with a P/E of 8.75 and the provided GoodMoat Target of $162.79, the current price of $56.16 implies a margin of safety of approximately 190%, which falls deep into the 'Deeply Undervalued' band (>40%) per the framework's valuation assessment. This passes the Decision Framework's Step 1 (Moat & Quality Gate) and Step 2 (Valuation & Risk Gate) with a strongly favourable rating. The primary task for an investor is to investigate the sustainability of its moat against fintech disruption and verify the assumptions behind the high target price, but the initial quantitative picture is highly attractive for a value investor.
Market Cap$29.67B
Current Price$55.48
P/E Ratio9.27
Forward P/E—
PEG Ratio-0.31
EPS$6.34
Book Value$48.23
P/B Ratio1.15
FISV Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use 12.9% FCF growth (CAGR)
Cash vs Debt
Net Debt: 28.2B
Revenue
10.2B
FY19
14.9B
FY20
16.2B
FY21
17.7B
FY22
19.1B
FY23
20.5B
FY24
21.2B
FY25
Net Income
893M
FY19
958M
FY20
1.3B
FY21
2.5B
FY22
3.1B
FY23
3.1B
FY24
3.5B
FY25
FISV 52-Week Range
$53.90
$191.00
50-Day MA: $59.10200-Day MA: $86.19
Did you know?
Currently near its 52-week low — in the bottom 1% of its range.
Fiserv Inc (FISV) Financial Summary
Fiserv Inc (FISV) is a Technology company in the Information Technology Services industry, listed on NASDAQ. The stock currently trades at $55.48 with a market capitalization of $29.67B.
Key valuation metrics include a P/E ratio of 9.27, price-to-book ratio of 1.15, and EPS of $6.34. The company reports a profit margin of 15.2% and return on equity of 12.4%.
FISV Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $29.67B |
| P/E Ratio | 9.27 |
| EPS | $6.34 |
| P/B Ratio | 1.15 |
| P/S Ratio | 1.41 |
| EV/EBITDA | 6.77 |
| Profit Margin | 15.2% |
| Return on Equity | 12.4% |
| Debt/Equity | 1.12 |
FISV Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $10.19B | $893.00M |
| FY20 | $14.85B | $958.00M |
| FY21 | $16.23B | $1.33B |
| FY22 | $17.74B | $2.53B |
| FY23 | $19.09B | $3.07B |
| FY24 | $20.46B | $3.13B |
| FY25 | $21.19B | $3.48B |
Fiserv Inc (FISV) Valuation
Based on GoodMoat's DCF model, Fiserv Inc has a fair value estimate of $162.79. At the current price of $55.48, the stock appears 65.9% undervalued relative to our intrinsic value estimate.
FISV Quality Indicators
Fiserv Inc maintains a profit margin of 15.2% and an operating margin of 27.5%. Return on equity stands at 12.4%. The current ratio is 1.03. Debt-to-equity ratio is 1.12.
About Fiserv Inc
Fiserv, Inc., a Fortune 500 company, moves more than money. As a global leader in payments and financial technology, the company helps clients achieve best-in-class results through a commitment to innovation and excellence in areas including account processing and digital banking solutions; card issuer processing and network services; payments; e-commerce; merchant acquiring and processing; and Clover ®, the world's smartest point-of-sale system and business management platform. Fiserv is a member of the S&P 500 ® Index and one of TIME Magazine's Most Influential Companies™.
FISV Free Cash Flow
Fiserv Inc generated $4.30B in trailing twelve-month free cash flow, representing an FCF yield of 14.49%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
FISV Shares Outstanding
Fiserv Inc has 0.53 billion shares outstanding at a share price of $55.48, giving it a market capitalization of $29.67B.