Fidelity National Info (FIS) AI Stock Analysis

• Market Cap: $34.59B
• Dividend Yield: 2.5%
• Average Volume (3M): 3.87M
• Price to Earnings (P/E): 210.4
• Beta (1Y): 0.38
• Revenue Growth: 4.26%
• EPS Growth: -75.98%
• Country: US
• Employees: 50,000
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): 1.51
• Shares Outstanding: 517,850,770
• 10 Day Avg. Volume: 2,608,968
• 30 Day Avg. Volume: 3,865,319
• PEG Ratio: -0.27
• Price to Book (P/B): 2.85
• Price to Sales (P/S): 4.41
• P/FCF Ratio: 22.63
• Enterprise Value/Market Cap: 1.36
• Enterprise Value/Revenue: 4.40
• Enterprise Value/Gross Profit: 11.59
• Enterprise Value/Ebitda: 13.27
• 1Y Price Target: $80.92
• Price Target Upside: 23.24% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 14
• EPS Forecast (FY): 5.77
• Revenue Forecast (FY): $10.60B

• Rating: 64 Neutral
• Price Target: $69.00 ▲(5.09% Upside)

Fidelity National Info's overall stock score is driven by strong earnings call results and stable financial performance. However, technical indicators suggest a bearish trend, and the high P/E ratio raises valuation concerns. The company's strategic investments and improved cash flow generation are positive, but profitability and market momentum need improvement.

Positive Factors

Revenue Growth

The consistent revenue growth indicates strong market demand for FIS's offerings, supporting its long-term expansion and market position.

Cash Flow Generation

Strong cash flow conversion enhances financial flexibility, enabling strategic investments and shareholder returns, supporting long-term stability.

Strategic Investments

Investments in AI and digital capabilities position FIS for future growth by enhancing product offerings and maintaining competitive advantage.

Negative Factors

Profitability Challenges

Low profitability margins indicate challenges in converting revenue into profit, which could hinder long-term financial performance and shareholder value.

TSA Revenue Impact

The TSA revenue impact poses a temporary margin challenge, potentially affecting profitability until resolved by 2026, impacting near-term financial results.

Capital Markets Challenges

Decline in professional services revenue in Capital Markets could signal operational challenges, affecting segment growth and overall profitability.

Fidelity National Info Business Overview & Revenue Model

Company Description

Fidelity National Information Services, Inc. (FIS) is a global leader in financial services technology, providing a wide array of solutions to banks, merchants, and capital markets firms. The company operates in several sectors, including payment processing, banking solutions, asset management, and risk and compliance services. FIS offers a comprehensive suite of products that facilitate electronic payments, enhance customer experiences, and streamline financial operations for its clients.

How the Company Makes Money

FIS generates revenue through multiple key streams, primarily focusing on transaction processing fees, software licensing, and consulting services. The company earns significant income from its payment processing solutions, where it charges fees for each transaction processed on its platforms. Additionally, FIS provides software solutions to banks and financial institutions, charging for licenses and ongoing support services. The company also benefits from consulting services that help organizations optimize their operations and technology infrastructure. Strategic partnerships with major financial institutions and technology providers enhance FIS's market reach and contribute to its revenue growth, allowing it to capture a larger share of the global fintech landscape.

Fidelity National Info Financial Statement Overview

Summary

Fidelity National Info demonstrates stable revenue growth and improved leverage, but profitability remains a challenge. The company shows strong cash flow generation, which supports its financial stability. While the balance sheet has strengthened, enhancing profitability and returns on equity will be crucial for future growth.

Income Statement

Fidelity National Info shows a moderate revenue growth rate of 3.54% in the TTM, indicating steady expansion. However, the net profit margin is low at 1.42%, suggesting challenges in converting revenue into profit. The gross profit margin is healthy at 37.94%, but the EBIT margin has declined to 14.88%, reflecting increased operational costs. Overall, the income statement reflects stable revenue growth but highlights profitability challenges.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.30 in the TTM, indicating a stronger balance sheet with reduced leverage. However, the return on equity is low at 0.73%, suggesting limited returns for shareholders. The equity ratio is not explicitly calculated, but the improvement in debt levels suggests a more stable financial position. Overall, the balance sheet shows improved leverage but highlights the need for better returns on equity.

Cash Flow

Fidelity National Info's free cash flow growth rate is positive at 5.96% in the TTM, indicating improved cash generation. The operating cash flow to net income ratio is 2.46, showing strong cash flow relative to net income. The free cash flow to net income ratio is high at 91.69%, reflecting efficient cash conversion. Overall, the cash flow statement indicates strong cash generation and efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.68B	10.13B	9.83B	9.72B	13.88B	12.55B
Gross Profit	4.05B	3.80B	3.66B	3.50B	5.20B	4.20B
EBITDA	3.54B	3.38B	2.90B	2.88B	5.02B	4.32B
Net Income	152.00M	1.45B	-6.66B	-16.72B	417.00M	158.00M
Balance Sheet
Total Assets	33.04B	33.78B	54.97B	63.28B	82.93B	83.84B
Cash, Cash Equivalents and Short-Term Investments	571.00M	834.00M	440.00M	456.00M	2.01B	1.96B
Total Debt	13.07B	11.54B	19.34B	20.41B	20.88B	20.62B
Total Liabilities	19.18B	18.08B	35.92B	35.87B	35.40B	34.35B
Stockholders Equity	13.86B	15.70B	19.05B	27.22B	47.35B	49.30B
Cash Flow
Free Cash Flow	2.00B	1.97B	4.22B	3.67B	3.56B	3.31B
Operating Cash Flow	2.16B	2.07B	4.33B	3.94B	4.81B	4.44B
Investing Cash Flow	-3.51B	8.14B	-1.52B	-373.00M	-1.77B	-914.00M
Financing Cash Flow	-1.40B	-12.62B	-3.32B	-2.57B	-2.54B	-2.75B

Fidelity National Info Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 65.66
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For FIS, the sentiment is Negative. The current price of 65.66 is above the 20-day moving average (MA) of 64.94, above the 50-day MA of 65.58, and below the 200-day MA of 72.12, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 52.37 is Neutral, neither overbought nor oversold. The STOCH value of 80.28 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for FIS.

Fidelity National Info Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACIW	77 Outperform	$4.79B	18.81	18.58%	―	7.01%	17.48%
JKHY	77 Outperform	$12.50B	26.23	23.45%	1.33%	7.75%	20.42%
BR	71 Outperform	$26.57B	29.11	38.21%	1.60%	8.57%	35.02%
FISV	68 Neutral	$34.01B	9.78	13.64%	―	5.16%	24.92%
GPN	68 Neutral	$18.63B	11.04	6.72%	1.25%	-11.30%	34.28%
FIS	64 Neutral	$34.59B	210.39	1.15%	2.50%	4.26%	-75.98%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

Fidelity National Info Corporate Events

Fidelity National Information Services Reports Strong Q3 2025

Fidelity National Information Services (FIS) is a leading financial technology company that provides solutions to financial institutions, businesses, and developers worldwide, focusing on enhancing the way the world pays, banks, and invests. In its latest earnings report, FIS announced strong third-quarter results for 2025, with increased earnings and revenue, and an optimistic outlook for the full year. Key highlights include a 6% increase in revenue to $2.7 billion and an 8% rise in adjusted EPS to $1.51. The company also reported a significant increase in free cash flow and raised its full-year outlook for revenue, adjusted EBITDA, and adjusted free cash flow conversion. FIS continues to execute its strategic initiatives, including the acquisition of Amount and the anticipated closing of the Issuer Solutions acquisition in early 2026. Looking ahead, FIS remains focused on leveraging its differentiated market position and operational excellence to drive growth and deliver value to its clients and shareholders.

FIS Earnings Call: Strong Growth and Strategic Moves

The recent earnings call for Fidelity National Information Services (FIS) painted a picture of robust financial health and strategic foresight. The sentiment was overwhelmingly positive, with the company showcasing increased revenues and the fruits of strategic investments. Despite some hurdles in Capital Markets and TSA-related margin impacts, the overall outlook remains optimistic, with a strong emphasis on technological advancements and strategic acquisitions.

Fidelity National Information Services Reports Strong Q2 2025

Fidelity National Information Services (FIS) is a global leader in financial technology, providing solutions to financial institutions, businesses, and developers to enhance their financial operations. The company is headquartered in Jacksonville, Florida, and is a member of the Fortune 500 and S&P 500 indices.

FIS Earnings Call Highlights Strong Growth and Strategic Moves

The recent earnings call for Fidelity National Information Services (FIS) painted a generally positive picture, highlighting strong financial performance and strategic growth initiatives. Despite facing some challenges, the overall sentiment was optimistic, driven by robust revenue growth and improved profit margins.