Fiserv (FI) AI Stock Analysis

• Market Cap: $71.87B
• Dividend Yield: N/A
• Average Volume (3M): 5.67M
• Price to Earnings (P/E): 22.1
• Beta (1Y): 0.53
• Revenue Growth: 6.73%
• EPS Growth: 3.93%
• Country: US
• Employees: 38,000
• Sector: Technology
• Sector Strength: 96
• Industry: Information Technology Services
• EPS (TTM): 2.47
• Shares Outstanding: 543,593,200
• 10 Day Avg. Volume: 5,719,842
• 30 Day Avg. Volume: 5,671,799
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.73
• Enterprise Value/Revenue: 5.90
• Enterprise Value/Gross Profit: 9.65
• Enterprise Value/Ebitda: 13.39
• 1Y Price Target: $189.52
• Price Target Upside: 43.23% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 29

• Rating: 66 Neutral
• Price Target: $144.00 ▲(8.83% Upside)

Fiserv's overall stock score reflects strong financial performance and strategic initiatives, tempered by bearish technical indicators and valuation concerns. The company's recent earnings call and corporate events provide a balanced outlook with both growth opportunities and challenges.

Positive Factors

Competitive Advantage

Clover has a competitive edge due to superior product design and strong value-added services attach, despite slower volume growth.

Earnings Growth

FI is seen as a mid-to-high teens EPS grower that can garner a better multiple.

Revenue Growth

Clover revenue growth accelerated to 30%, and management reiterated its FY25 Clover revenue target of $3.5bn, indicating confidence in this segment.

Negative Factors

Market Positioning

The stock reaction likely accounts for reduced confidence in longer term EPS trajectory and market positioning concerns.

Organic Revenue Growth

Fiserv reported roughly in-line second quarter results and lowered full-year organic revenue growth guidance to about 10%.

Revenue Guidance

FI lowered revenue guidance across the board, with merchant solutions and financial solutions now expected to grow at the low-end of prior outlooks.

Fiserv Business Overview & Revenue Model

Company Description

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

How the Company Makes Money

Fiserv generates revenue primarily through a subscription-based model and transaction-based fees. Key revenue streams include payment processing services, which account for a significant portion of its earnings by charging fees for each transaction processed. Additionally, Fiserv earns revenue from its software solutions and technology services, which are sold on a subscription basis to financial institutions. Partnerships with banks and credit unions enhance its market reach and provide a steady income stream through long-term contracts. The company's continuous innovation in digital banking and payments also contributes to revenue growth, as it attracts more clients looking for advanced technological solutions.

Fiserv Financial Statement Overview

Summary

Fiserv exhibits strong financial performance with consistent revenue growth, healthy profitability margins, and robust cash flow generation. The balance sheet reflects moderate leverage and strong equity returns, positioning the company well for future growth and stability.

Income Statement

Fiserv demonstrates strong revenue growth, with a TTM revenue of $21.11 billion, reflecting a 3.21% increase from the previous year. The gross profit margin stands at 61.13%, and the net profit margin is 16.01%, indicating healthy profitability. EBIT and EBITDA margins are solid at 30.13% and 44.04% respectively, showcasing efficient operational management.

Balance Sheet

The company maintains a stable balance sheet with a debt-to-equity ratio of 1.18, indicating moderate leverage. The equity ratio is 30.94%, reflecting a balanced capital structure. Return on equity (ROE) is robust at 13.40%, highlighting strong shareholder returns.

Cash Flow

Fiserv's cash flow position is strong, with a TTM free cash flow of $5.97 billion, showing a 17.97% growth from the previous year. The operating cash flow to net income ratio is 2.00, and the free cash flow to net income ratio is 1.77, indicating efficient cash generation relative to net income.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	20.46B	19.09B	17.74B	16.23B	14.85B
Gross Profit	12.44B	11.43B	9.74B	8.10B	7.04B
EBITDA	8.84B	8.02B	6.83B	5.56B	5.10B
Net Income	3.13B	3.07B	2.53B	1.33B	958.00M
Balance Sheet
Total Assets	77.18B	90.89B	83.87B	76.25B	74.62B
Cash, Cash Equivalents and Short-Term Investments	1.24B	1.20B	902.00M	835.00M	906.00M
Total Debt	24.96B	23.90B	21.54B	21.24B	20.68B
Total Liabilities	49.49B	60.22B	52.18B	44.30B	41.29B
Stockholders Equity	27.07B	29.86B	30.83B	30.95B	32.33B
Cash Flow
Free Cash Flow	5.06B	3.77B	3.14B	2.87B	3.25B
Operating Cash Flow	6.63B	5.16B	4.62B	4.03B	4.15B
Investing Cash Flow	-2.40B	-1.07B	-2.11B	-1.63B	-341.00M
Financing Cash Flow	-4.17B	-4.36B	-2.48B	-761.00M	-3.84B

Fiserv Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 132.32
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FI, the sentiment is Negative. The current price of 132.32 is below the 20-day moving average (MA) of 144.39, below the 50-day MA of 158.56, and below the 200-day MA of 194.94, indicating a bearish trend. The MACD of -8.77 indicates Positive momentum. The RSI at 23.28 is Positive, neither overbought nor oversold. The STOCH value of 13.53 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FI.

Fiserv Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BR	76 Outperform	$30.75B	36.99	34.81%	1.34%	5.88%	20.69%
INFY	75 Outperform	$67.67B	20.67	30.46%	3.16%	4.52%	-0.22%
ACN	70 Outperform	$148.62B	18.99	27.27%	2.49%	6.21%	14.87%
JKHY	68 Neutral	$11.54B	26.98	22.49%	1.43%	6.04%	13.36%
FI	66 Neutral	$71.87B	22.10	12.66%	―	6.73%	3.93%
FIS	58 Neutral	$36.50B	261.59	1.01%	2.12%	3.64%	102.21%
Sector *	57 Neutral	HK$14.39B	9.80	-0.60%	4.57%	7.08%	-37.99%

Fiserv Corporate Events

Fiserv Enters New Credit Agreement with JPMorgan

On August 12, 2025, Fiserv, Inc. entered into a new Credit Agreement with JPMorgan Chase Bank, replacing its prior agreement from June 16, 2022. This move, involving Fiserv Funding Unlimited Company, signifies a strategic financial restructuring, as the previous $6 billion revolving credit facility was voluntarily terminated, reflecting Fiserv’s evolving financial strategy and operational adjustments.

The most recent analyst rating on (FI) stock is a Buy with a $262.00 price target. To see the full list of analyst forecasts on Fiserv stock, see the FI Stock Forecast page.

Fiserv Completes $2 Billion Senior Notes Issuance

On August 11, 2025, Fiserv, Inc. completed the issuance of $2 billion in senior notes, divided equally between 4.550% notes due in 2031 and 5.250% notes due in 2035. This strategic financial move is likely to impact Fiserv’s operational capabilities and market positioning, offering flexibility in managing its debt and potentially enhancing its financial stability.

The most recent analyst rating on (FI) stock is a Buy with a $262.00 price target. To see the full list of analyst forecasts on Fiserv stock, see the FI Stock Forecast page.

Fiserv Announces $2 Billion Senior Notes Offering

On August 4, 2025, Fiserv, Inc. entered into an Underwriting Agreement with several underwriters for the sale of $2 billion in senior notes, split between 4.550% Senior Notes due 2031 and 5.250% Senior Notes due 2035. This public offering, expected to close on August 11, 2025, is part of Fiserv’s strategic financial operations, potentially impacting its market position and stakeholder interests by enhancing its capital structure.

The most recent analyst rating on (FI) stock is a Buy with a $262.00 price target. To see the full list of analyst forecasts on Fiserv stock, see the FI Stock Forecast page.

Fiserv Holds Annual Shareholders Meeting with Key Decisions

On May 14, 2025, Fiserv, Inc. held its annual shareholders meeting where several key decisions were made. The shareholders elected ten directors to serve until the next annual meeting, approved the executive compensation plan, ratified Deloitte & Touche LLP as the independent registered public accounting firm for 2025, and rejected a proposal to amend the Compensation Recoupment Policy. These decisions reflect the company’s ongoing governance and operational strategies, potentially impacting its market positioning and stakeholder relations.

The most recent analyst rating on (FI) stock is a Buy with a $262.00 price target. To see the full list of analyst forecasts on Fiserv stock, see the FI Stock Forecast page.