Fiserv
FISV
45.31
-0.17
-0.37%
Fiserv
US · FISV
#816 by market cap
Listed 1970
45.31
-0.17
-0.37%
Live - 5344 symbols - heartbeat 310s ago
· 2026-10-08 08:24
Pre-market
45.00
-0.68%
After-hours
45.31
0.00%
Overnight
45.20
-0.24%
- Market cap
- 24.09B
- P/E (TTM)i
- 8.68
- P/Bi
- 0.90
- EPSi
- 6.34
- Div yieldi
- 0.00%
- 52W posi
- 2%
Reader sentiment
Are you bullish or bearish on FISV?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Weak
- Altman Z-Score is 1.25, below the 1.8 "distress zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +3.60% YoY
Margins
- Gross margin
- 59.36%
- Operating margin
- 26.89%
- Net margin
- 16.42%
Key ratios & quality
- Enterprise valuei
- 50.78B
- PEG ratioi
- 0.77
- Altman Z-Scorei
- 1.25
PEG uses trailing P/E against the 3-year net income growth rate (11.21%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 5.82B | 10.19B | 14.85B | 16.23B | 17.74B | 19.09B | 20.46B | 21.19B |
| Gross profit | 2.75B | 4.88B | 7.04B | 8.10B | 9.75B | 11.42B | 12.44B | 12.58B |
| Selling & admin expenses | 1.23B | 3.28B | 5.65B | 5.81B | 6.06B | 6.58B | 6.56B | 6.88B |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 1.53B | 1.59B | 1.39B | 2.29B | 3.69B | 4.85B | 5.88B | 5.70B |
| Pretax profit | 1.56B | 1.08B | 1.17B | 1.67B | 2.91B | 3.90B | 4.51B | 4.26B |
| Tax | 378.00M | 198.00M | 196.00M | 363.00M | 551.00M | 754.00M | 641.00M | 811.00M |
| Net profit | 1.19B | 914.00M | 975.00M | 1.40B | 2.58B | 3.13B | 3.18B | 3.49B |
| Basic EPS | 3 | 2 | 1 | 2 | 4 | 5 | 5 | 6 |
| Diluted EPS | 2.87 | 1.71 | 1.40 | 1.99 | 3.91 | 4.98 | 5.38 | 6.34 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 5.13B | 5.52B | 5.26B | 5.28B | 5.03B | 5.29B |
| Gross profit | 3.06B | 3.41B | 3.10B | 3.02B | 2.72B | 2.90B |
| Selling & admin expenses | 1.68B | 1.71B | 1.76B | 1.73B | 1.89B | 1.89B |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 1.38B | 1.70B | 1.34B | 1.29B | 835.00M | 1.01B |
| Pretax profit | 1.05B | 1.29B | 964.00M | 962.00M | 593.00M | 775.00M |
| Tax | 190.00M | 246.00M | 173.00M | 202.00M | 24.00M | 156.00M |
| Net profit | 848.00M | 1.03B | 799.00M | 813.00M | 573.00M | 630.00M |
| Basic EPS | 2 | 2 | 1 | 2 | 1 | 1 |
| Diluted EPS | 1.51 | 1.86 | 1.46 | 1.51 | 1.07 | 1.17 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 2.22B | 17.05B | 16.22B | 18.87B | 27.54B | 34.81B | 23.48B | 24.65B |
| Cash & ST investments | 415.00M | 893.00M | 906.00M | 835.00M | 902.00M | 1.20B | 1.24B | 798.00M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 11.26B | 77.54B | 74.62B | 76.25B | 83.87B | 90.89B | 77.18B | 80.13B |
| Total current liabilities | 2.01B | 15.73B | 15.64B | 18.30B | 26.46B | 33.55B | 22.16B | 23.89B |
| Short-term debt | 4.00M | 287.00M | 384.00M | 508.00M | 592.00M | 873.00M | 1.23B | 1.37B |
| Long-term debt | 5.95B | 21.37B | 19.80B | 20.20B | 20.41B | 21.71B | 23.07B | 26.12B |
| Total liabilities | 8,969,000,000.00 | 42,682,000,000.00 | 41,290,000,000.00 | 44,299,000,000.00 | 52,181,000,000.00 | 60,221,000,000.00 | 49,490,000,000.00 | 54,324,000,000.00 |
| Total equity | 2.29B | 34.86B | 33.33B | 31.95B | 31.69B | 30.67B | 27.69B | 25.81B |
| Retained earnings | 11.64B | 12.53B | 13.44B | 14.85B | 17.38B | 20.44B | 23.58B | 27.06B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 25.59B | 26.47B | 24.16B | 24.65B | 24.78B | 25.36B |
| Cash & ST investments | 641.00M | 532.00M | 884.00M | 798.00M | 335.00M | 245.00M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 80.40B | 81.53B | 79.37B | 80.13B | 80.55B | 80.89B |
| Total current liabilities | 23.29B | 24.32B | 22.38B | 23.89B | 23.42B | 24.31B |
| Short-term debt | 1.40B | 1.65B | 1.44B | 1.37B | 1.45B | 1.33B |
| Long-term debt | 25.80B | 26.75B | 27.28B | 26.12B | 26.12B | 24.94B |
| Total liabilities | 53,881,000,000.00 | 55,768,000,000.00 | 54,226,000,000.00 | 54,324,000,000.00 | 54,327,000,000.00 | 53,960,000,000.00 |
| Total equity | 26.52B | 25.76B | 25.14B | 25.81B | 26.22B | 26.93B |
| Retained earnings | 24.43B | 25.45B | 26.24B | 27.06B | 27.63B | 28.25B |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1.55B | 2.80B | 4.15B | 4.03B | 4.62B | 5.16B | 6.63B | 6.06B |
| Depreciation & amortization | 545.00M | 1.65B | 3.21B | 3.20B | 3.17B | 3.12B | 3.10B | 3.16B |
| Free cash flow | 1.19B | 2.07B | 3.25B | 2.87B | 3.14B | 3.77B | 5.06B | 4.30B |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -1.87B | -405.00M | -1.69B | -2.65B | -2.53B | -4.73B | -5.74B | -5.84B |
| Ending cash balance | 415.00M | 2.18B | 2.57B | 3.21B | 3.19B | 2.96B | 2.99B | 2.80B |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 648.00M | 1.67B | 1.81B | 1.94B | 599.00M | 1.48B |
| Depreciation & amortization | 768.00M | 802.00M | 788.00M | 803.00M | 819.00M | 857.00M |
| Free cash flow | 313.00M | 1.19B | 1.30B | 1.50B | 141.00M | 985.00M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -2.33B | -2.28B | -1.04B | -195.00M | -228.00M | -143.00M |
| Ending cash balance | 3.37B | 2.97B | 2.77B | 2.80B | 2.25B | 2.00B |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 47.25 | 5.06 | 2.93 | 4.22 | 8.19 | 10.11 | 11.00 | 13.17 |
| ROA %i | 11.02 | 2.01 | 1.26 | 1.77 | 3.16 | 3.51 | 3.73 | 4.42 |
| ROIC %i | 16.79 | 4.05 | 2.87 | 3.57 | 5.98 | 7.32 | 7.91 | 8.77 |
| 5-year avg ROE %i | 35.22 | 31.85 | 27.66 | 21.35 | 13.53 | 6.10 | 7.29 | 9.34 |
| EBIT margin %i | 30.02 | 15.27 | 12.66 | 14.56 | 20.63 | 25.67 | 28.08 | 27.34 |
| FCF / sales %i | 20.47 | 20.36 | 21.86 | 17.71 | 17.70 | 19.77 | 24.75 | 20.29 |
| Current ratioi | 1.11 | 1.08 | 1.04 | 1.03 | 1.04 | 1.04 | 1.06 | 1.03 |
| Quick ratioi | 0.73 | 0.23 | 0.22 | 0.20 | 0.17 | 0.14 | 0.25 | 0.21 |
| Debt / assetsi | 52.91 | 28.24 | 27.72 | 27.85 | 25.69 | 25.57 | 32.34 | 36.34 |
| LT debt / equityi | 259.70 | 65.53 | 62.79 | 66.97 | 67.96 | 74.90 | 87.67 | 107.62 |
| Interest coveragei | 9.06 | 3.29 | 2.65 | 3.39 | 4.90 | 4.88 | 4.64 | 3.79 |
| Revenue CAGR (3Y) %i | 3.49 | 22.77 | 37.64 | 40.72 | 20.30 | 8.73 | 8.03 | 6.11 |
| Net income CAGR (3Y) %i | 18.57 | -1.34 | -8.39 | 3.97 | 41.50 | 47.40 | 32.90 | 11.21 |
| FCF CAGR (3Y) %i | 6.49 | 22.04 | 39.50 | 34.09 | 14.81 | 5.14 | 20.77 | 11.05 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 11.88 | 12.66 | 13.64 | 13.17 | 12.29 | 10.75 |
| ROA %i | 3.75 | 3.86 | 4.53 | 4.42 | 3.98 | 3.45 |
| ROIC %i | 8.04 | 8.33 | 8.82 | 8.77 | 8.11 | 7.39 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 28.72 | 29.28 | 28.20 | 27.34 | 25.43 | 23.23 |
| FCF / sales %i | 23.98 | 24.43 | 21.83 | 20.29 | 19.57 | 18.82 |
| Current ratioi | 1.10 | 1.09 | 1.08 | 1.03 | 1.06 | 1.04 |
| Quick ratioi | 0.21 | 0.20 | 0.23 | 0.21 | 0.19 | 0.18 |
| Debt / assetsi | 35.34 | 36.44 | 38.20 | 36.34 | 36.38 | 34.66 |
| LT debt / equityi | 104.37 | 111.28 | 114.95 | 107.62 | 106.33 | 99.25 |
| Interest coveragei | 4.55 | 4.45 | 4.03 | 3.79 | 3.45 | 3.12 |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
✦ Quant Revenue Concentration how this is computed
Lead segment, long tail
- Merchant is the largest reported line at 49.28% of revenue, across 3 reported segments.
- Financial follows at 44.50%, so the top line still matters most but isn’t the whole story.
Revenue breakdown most recent period
Business
Merchant49.28%
Financial44.50%
Corporate and Other Revenue6.22%
Quote time 2026-10-08 08:24:51 · For reference only, not investment advice and not tailored to your situation.