Fiserv Inc. (FISV US)
FISV US$47.85
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Performance
Share price activity
- Last (Price)
- 47.85
- Change
- ▲ 0.45 (0.95)
- Bid / Ask
- 47.84 - 48.99
- Volume
- 1,739,371
- Turnover
- 31,920,044
- Open
- 47.00
- Day Range
- 47.00 - 47.91
- VWAP
- 47.58
- Prev Close
- 47.40
- Last Trade
- 28/10 4:00pm
Key information
- Sector
- Technology
- Shares Issued
- 531,766,721
- NTA/Share
- -41.30
- Last Dividend
- —
- Dividend Ex Date
- —
- Dividend Pay Date
- —
Current (USD) · FY2025
- Revenue
- 21,193.00
- EBITDA
- 8,918.00
- Profit
- 3,480.00
- Earnings Per Share (EPS)
- 6.34
- Dividend Per Share (DPS)
- —
- Yield %
- 0.00
- Market Cap
- 25,445.04
- Price to Earnings Ratio (P/E)
- 9.17
Estimates (USD) · FY2027
- Revenue
- 21,738.32
- EBITDA
- 8,040.25
- Profit
- 4,086.36
- Earnings Per Share (EPS)
- 8.00
- Dividend Per Share (DPS)
- 0.00
Quantitative rating
Undervalued
- Economic Moat
- Narrow
- Financial Health
- Moderate
- Uncertainty
- High
Morningstar Quantitative Rating as of 21 OCT 2026.
Quantitative Equity Rating Methodology – view here
Fair value estimate
Five-star price 70.12 Fair value 89.81 One-star price 115.05
Morningstar Quantitative Rating as of 21 OCT 2026.
Quantitative valuation
- Fair Value
- 89.81
- Price / Fair Value
- 0.54
- Valuation
- Undervalued
- Uncertainty
- High
Morningstar Quantitative Rating as of 21 OCT 2026. The slider runs from the five-star price (70.12) to the one-star price (115.05).
| Ratios |
|---|
| Currency (Price/reporting): USD/USD |
| Exchange Rate: 1.0000 |
| Price - closing or last bid | 48.21 |
| Price - 12 month high | 128.78 |
| Price - 12 month low | 43.88 |
| Pricing date | 20 OCT 2026 |
| Volume - avg. trading volume for the last ten days | 5.05 |
| Market capitalization | 25,636.47 |
| 12 Month High price date | 28 OCT 2025 |
| 12 Month Low price date | 2 OCT 2026 |
| Volume - avg. trading volume for the last 3 months | 6.95 |
| Price - 1 Day % Change | -0.08% |
| Price - 13 week price percent change | -4.74% |
| Price - 26 week price percent change | -23.79% |
| Price - 5 Day % Change | 4.65% |
| Price - 52 week price percent change | — |
| Price - YTD price percent change | -28.62% |
| Price % Change Month To Date | 3.74% |
| EPS excluding extraordinary items - most recent fiscal year | 6.340 |
| EPS excluding extraordinary items - trailing 12 month | 5.210 |
| EPS Normalized - most recent fiscal year | 8.640 |
| Revenue/share - most recent fiscal year | 38.603 |
| Revenue/share - trailing 12 month | 38.864 |
| Book value per share - most recent fiscal year | 48.300 |
| Book value per share - most recent quarter | 50.667 |
| Book value (tangible) per share - most recent fiscal year | -41.301 |
| Book value (tangible) per share - most recent quarter | -38.249 |
| Cash per share - most recent fiscal year | 1.494 |
| Cash per share - most recent quarter | 0.461 |
| Cash Flow per share - most recent fiscal year | 11.058 |
| Cash Flow per share - trailing 12 month | 9.834 |
| Dividend per share - most recent fiscal year | — |
| Dividends per share - trailing 12 month | 0.000 |
| EBITD per share - trailing 12 month | 15.040 |
| EPS Basic excluding extraordinary items - most recent fiscal year | 6.360 |
| EPS Basic excluding extraordinary items - trailing 12 month | 5.220 |
| EPS including extraordinary items - most recent fiscal year | 6.360 |
| EPS including extraordinary items - trailing 12 month | 5.220 |
| Free Cash Flow per share - trailing 12 month | 6.286 |
| P/E excluding extraordinary items, most recent fiscal year | 9.25 |
| P/E Normalized, most recent fiscal year | 6.29 |
| Price to sales - most recent fiscal year | 1.24 |
| Price to Tangible Book - most fiscal year | — |
| Price to Free Cash Flow per Share - most recent fiscal year | 7.67 |
| Price to Cash Flow per share - trailing 12 month | 4.90 |
| Price to Book - most recent fiscal year | 0.95 |
| P/E excluding extraordinary items high, trailing 12 months | 21.16 |
| P/E excluding extraordinary items low, trailing 12 months | 8.00 |
| Net Debt, LFI | 27,789.00 |
| Net Debt, LFY | 28,325.00 |
| Dividend Yield - 5 Year Average | — |
| Dividend Yield - indicated annual dividend divided by closing price | — |
| Current Dividend Yield - Common Stock Primary Issue, LTM | 0.00% |
| Free Cash Flow - most recent fiscal year | 4,308.00 |
| LT debt/equity - most recent fiscal year | 107.55% |
| Payout ratio - most recent fiscal year | — |
| Total debt/total equity - most recent fiscal year | 112.84% |
| LT debt/equity - most recent quarter | 99.16% |
| Total debt/total equity - most recent quarter | 104.12% |
| Free Cash Flow - trailing 12 month | 3,375.00 |
| Payout ratio - trailing 12 month | — |
| Revenue - most recent fiscal year | 21,193.00 |
| Revenue - trailing 12 month | 20,866.00 |
| EBITD - most recent fiscal year | 8,918.00 |
| EBITD - trailing 12 month | 8,075.00 |
| Earnings before taxes - most recent fiscal year | 4,264.00 |
| Earnings before taxes - trailing 12 month | 3,294.00 |
| Net Income available to common - most recent fiscal year | 3,480.00 |
| Net Income available to common - trailing 12 months | 2,801.00 |
| Earnings before taxes Normalized - most recent fiscal year | 4,586.00 |
| Net Income Available to Common, Normalized - most recent fiscal year | 4,745.00 |
| Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM | 7.66 |
| Net Profit Margin % - 1st historical fiscal year | 16.47% |
| Net Profit Margin % - trailing 12 month | 13.49% |
| Operating margin - 1st historical fiscal year | 26.89% |
| Operating margin - trailing 12 month | 21.41% |
| Pretax margin - trailing 12 month | 15.79% |
| Pretax margin - 1st historical fiscal year | 20.12% |
| Operating Margin - 5 year average | 23.18% |
| Pretax Margin - 5 year average | 17.85% |
| Free Operating Cash Flow/Revenue, 5 Year Average | 22.82% |
| Free Operating Cash Flow/Revenue, TTM | 16.17% |
| Net Profit Margin - 5 year average | 14.32% |
| Return on average assets - most recent fiscal year | 4.38% |
| Return on average assets - trailing 12 month | 3.50% |
| Return on average equity - most recent fiscal year | 13.52% |
| Return on average equity - trailing 12 month | 10.89% |
| Return on average assets - 5 year average | 3.43% |
| Return on average equity - 5 year average | 9.69% |
| Net Income/employee - most recent fiscal year | 91,842.11 |
| Revenue/employee - most recent fiscal year | 557,710.53 |
| Revenue growth rate, 5 year | 7.37% |
| EPS growth rate, 5 year | 35.27% |
| Growth rate% - dividend, 3 year | — |
| Revenue/share (5 yr growth) | 12.18% |
| Growth rate% - Revenue, 3 year | 6.11% |
| Growth rate% - EPS, 3 year | 17.48% |
| Book value per share growth rate, 5 year | -0.01% |
| Capital Spending growth rate, 5 year | 14.39% |
| Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR | 12.42% |
Financial forecast (USD, millions except per share)
| Actuals | Estimates | |||||||
| 2025 | 2026 | 2027 | 2028 | 2029 | ||||
| Estimate breakdown | ||||||||
Financials (USD, millions)
| Period end: | DEC 21 | DEC 22 | DEC 23 | DEC 24 | DEC 25 |
| Fiscal year: | 2021 | 2022 | 2023 | 2024 | 2025 |
| Period length: | 12 months | 12 months | 12 months | 12 months | 12 months |
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Business Summary
Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Following its 2019 merger with First Data, Fiserv also provides payment processing services to merchants. About 10% of the company's revenue is generated internationally.