Fidelity National Info (FIS) AI Stock Analysis

• Market Cap: $42.25B
• Dividend Yield: 1.86%
• Average Volume (3M): 2.55M
• Price to Earnings (P/E): 50.3
• Beta (1Y): 0.60
• Revenue Growth: -9.12%
• EPS Growth: N/A
• Country: US
• Employees: 50,000
• Sector: Technology
• Sector Strength: 90
• Industry: Consumer Electronics
• EPS (TTM): 1.21
• Shares Outstanding: 525,395,100
• 10 Day Avg. Volume: 2,163,495
• 30 Day Avg. Volume: 2,554,431
• PEG Ratio: 6.13
• Price to Book (P/B): 2.78
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 26.37
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 1.31
• Enterprise Value/Gross Profit: 13.91
• Enterprise Value/Ebitda: 4.07
• 1Y Price Target: $89.62
• Price Target Upside: 9.37% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 15

• Rating: 68 Neutral
• Price Target: $88.00 ▲(7.40%Upside)

FIS's overall stock score is primarily driven by a positive earnings call, indicating strong earnings performance and strategic moves likely to enhance future growth. Financial performance, while solid in terms of cash management, faces challenges in profitability metrics. The technical analysis suggests limited price movement potential in the short term, while valuation concerns due to a high P/E ratio are somewhat mitigated by a decent dividend yield.

Positive Factors

Asset Swap

The pending asset swap is expected to drive significant growth opportunities for FIS.

Recurring Revenue

Over 80% of FIS's revenue is recurring, providing strong visibility into future earnings.

Negative Factors

Financial Complexity

The asset swap will likely further complicate FIS’s financials.

Financial Guidance

Q2 guidance slightly below Street with adjusted EPS guidance below Street expectations.

Fidelity National Info Business Overview & Revenue Model

Company Description

Fidelity National Information Services, Inc. provides technology solutions for merchants, banks, and capital markets firms worldwide. It operates through Merchant Solutions, Banking Solutions, and Capital Market Solutions segments. The Merchant Solutions segment offers enterprise acquiring, software-led small- to medium-sized businesses acquiring, and global e-commerce solutions. The Banking Solutions segment provides core processing and ancillary applications; digital solutions, including Internet, mobile, and e-banking; fraud, risk management, and compliance solutions; electronic funds transfer and network services; card and retail payment solutions; wealth and retirement solutions; and item processing and output services. The Capital Market Solutions segment offers securities processing and finance, global trading, asset management and insurance, and corporate liquidity solutions. Fidelity National Information Services, Inc. was founded in 1968 and is headquartered in Jacksonville, Florida.

How the Company Makes Money

FIS generates revenue through a variety of streams, primarily by offering technology solutions and services to financial institutions and merchants. Its key revenue sources include payment processing services, which involve transaction fees from credit and debit card processing, and core banking services, which provide software and systems that manage banking operations. Additionally, FIS earns money through consulting and implementation services that help clients to integrate and optimize their technology systems. The company also benefits from strategic partnerships and long-term contracts with major financial institutions, which contribute to stable and recurring revenue flows. These factors, along with its expansive global reach and continuous innovation in financial technologies, underpin FIS's financial performance.

Fidelity National Info Financial Statement Overview

Summary

The company demonstrates a resilient financial structure with strong operational efficiency and robust cash flow generation. Despite challenges in revenue growth and net profit margins, the stable balance sheet and effective cash management suggest a solid foundation for future performance.

Income Statement

The company shows a stable revenue base with a slight increase in TTM revenue compared to the previous year. However, the net profit margin has been under pressure, with a significant decline in net income compared to historical figures. The gross profit margin remains healthy, and the EBIT and EBITDA margins indicate solid operational efficiency.

Balance Sheet

The balance sheet reflects a moderate debt-to-equity ratio, suggesting a balanced approach to leveraging. However, the return on equity is negatively impacted by recent losses, indicating potential issues in generating returns for shareholders. The equity ratio is relatively stable, providing some cushion against financial volatility.

Cash Flow

Cash flow analysis reveals robust operational cash flows with consistent free cash flow generation. The free cash flow growth rate is positive, indicating effective cash management. The operating cash flow to net income ratio is favorable, demonstrating strong cash conversion despite net income fluctuations.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.13B	9.82B	9.72B	9.34B	12.55B
Gross Profit	3.80B	3.68B	3.50B	3.35B	4.20B
EBITDA	3.38B	2.91B	2.88B	5.02B	4.32B
Net Income	1.45B	-6.65B	-16.72B	417.00M	158.00M
Balance Sheet
Total Assets	33.78B	55.10B	63.28B	82.93B	83.84B
Cash, Cash Equivalents and Short-Term Investments	834.00M	440.00M	456.00M	2.01B	1.96B
Total Debt	11.54B	19.34B	20.41B	20.88B	20.62B
Total Liabilities	18.08B	36.01B	35.87B	35.40B	34.35B
Stockholders Equity	15.70B	19.09B	27.22B	47.35B	49.30B
Cash Flow
Free Cash Flow	1.36B	3.21B	2.55B	3.56B	3.31B
Operating Cash Flow	2.17B	4.33B	3.94B	4.81B	4.44B
Investing Cash Flow	8.14B	-1.35B	-373.00M	-1.77B	-914.00M
Financing Cash Flow	-12.62B	-3.49B	-2.57B	-2.54B	-2.75B

Fidelity National Info Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 81.94
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 81.94 is above the 20-day moving average (MA) of 80.57, above the 50-day MA of 80.14, and above the 200-day MA of 79.15, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 56.99 is Neutral, neither overbought nor oversold. The STOCH value of 82.90 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for FIS.

Fidelity National Info Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CTSH	78 Outperform	$37.82B	16.15	16.61%	1.59%	4.09%	14.05%
ACN	77 Outperform	$175.46B	22.42	27.27%	2.09%	6.21%	14.87%
BR	76 Outperform	$29.72B	38.02	33.92%	1.39%	5.73%	13.40%
INFY	75 Outperform	$74.61B	22.87	30.46%	2.92%	4.52%	-0.22%
FIS	68 Neutral	$42.25B	50.30	5.25%	1.86%	-9.12%	―
FI	68 Neutral	$77.67B	23.41	12.66%	―	6.73%	3.93%
Sector *	57 Neutral	HK$14.47B	5.85	-5.77%	4.75%	9.65%	-43.80%

Fidelity National Info Corporate Events

Fidelity National Info Awaits Regulatory Approvals for Deal

On April 17, 2025, FIS entered into an agreement to purchase the Issuer Solutions business from Global Payments Inc. and sell its equity interests in Worldpay Holdco, LLC to Global Payments. The Hart-Scott-Rodino Antitrust Improvements Act waiting period expired on July 18, 2025, but the transaction still requires additional regulatory clearances and approvals.

The most recent analyst rating on (FIS) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Fidelity National Info stock, see the FIS Stock Forecast page.

Fidelity National Info Holds Annual Shareholder Meeting

On June 12, 2025, Fidelity National Information Services, Inc. held its Annual Meeting of Shareholders where all nominated directors were elected to serve until the 2026 meeting. Additionally, shareholders approved the executive compensation on an advisory basis and ratified KPMG LLP as the independent registered public accounting firm for 2025.

The most recent analyst rating on (FIS) stock is a Buy with a $85.00 price target. To see the full list of analyst forecasts on Fidelity National Info stock, see the FIS Stock Forecast page.

Fidelity National Info Secures $8B Term Loan Agreement

On May 1, 2025, Fidelity National Information Services, Inc. entered into a Term Loan Credit Agreement with Goldman Sachs Bank USA and other lenders, allowing the company to draw up to $8 billion in senior unsecured term loans. These loans, maturing 364 days after borrowing, will fund the acquisition of the Issuer Solutions Business and related expenses. The agreement includes various covenants and replaces a previous bridge loan commitment.