📊 FISV Key Takeaways
Is Fiserv Inc. (FISV) a Good Investment?
FISV is a mature financial services business with stable but modest growth (3.6% revenue, flat net income YoY) and solid operating margins (18.3%). However, poor capital efficiency (2.2% ROE, 0.7% ROA), weak free cash flow conversion (2.8% FCF margin), and elevated leverage (1.06x debt-to-equity) with modest interest coverage (2.5x) limit upside potential and financial flexibility.
Fiserv shows strong fundamental quality through high operating margins, solid free cash flow generation, and resilient earnings despite only modest top-line growth. Growth quality looks good because diluted EPS rose much faster than net income, but leverage and thin liquidity keep the balance sheet from looking elite.
Why Buy Fiserv Inc. Stock? FISV Key Strengths
- Solid operating margin at 18.3% demonstrates pricing power and operational efficiency
- Stable revenue base of $5.0B with consistent 3.6% YoY growth in mature market
- EPS growth of 17.8% YoY reflects disciplined capital allocation and share repurchase activity
- Strong profitability with 27.5% operating margin and 16.4% net margin
- Robust cash generation with $4.30B of free cash flow and 20.3% FCF margin
- Revenue growth remained positive while diluted EPS increased 17.8%, indicating effective capital allocation and operating discipline
FISV Stock Risks: Fiserv Inc. Investment Risks
- Critically low capital efficiency with ROE of only 2.2% and ROA of 0.7% despite $80.5B asset base indicates poor asset deployment
- Weak free cash flow margin of 2.8% and $141M annual FCF generation insufficient relative to $27.9B long-term debt burden
- Thin liquidity position (1.06x current and quick ratios) combined with 1.06x debt-to-equity and 2.5x interest coverage leaves limited financial flexibility for downturns or debt service spikes
- Revenue growth of 3.6% and slightly declining net income suggest limited underlying growth momentum
- Leverage is meaningful with $27.76B of long-term debt and debt-to-equity of 1.08x
- Liquidity is tight with only $798M of cash and a current ratio of 1.03x
Key Metrics to Watch
- Free cash flow generation and FCF margin trajectory - currently critically low at 2.8%
- Return on Equity and Return on Assets trends - currently well below acceptable levels
- Debt reduction rate relative to cash flow - leverage ratio must improve from current 1.06x
- Free cash flow conversion versus net income
- Debt reduction and interest coverage
Fiserv Inc. (FISV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The relatively thin 2.8% FCF margin may limit capital allocation flexibility.
FISV Profit Margin, ROE & Profitability Analysis
FISV vs Services Sector: How Fiserv Inc. Compares
How Fiserv Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fiserv Inc. Stock Overvalued? FISV Valuation Analysis 2026
Based on fundamental analysis, Fiserv Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Fiserv Inc. Balance Sheet: FISV Debt, Cash & Liquidity
FISV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Fiserv Inc.'s revenue has grown significantly by 179% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.98 reflects profitable operations.
FISV Revenue Growth, EPS Growth & YoY Performance
FISV Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $5.0B | $571.0M | $1.07 |
| Q3 2022 | $4.2B | $428.0M | $0.64 |
| Q2 2022 | $4.1B | $269.0M | $0.40 |
| Q1 2022 | $3.8B | $304.0M | $0.45 |
| Q3 2021 | $3.8B | $264.0M | $0.39 |
| Q2 2021 | $3.5B | $2.0M | $0.00 |
| Q1 2021 | $3.8B | $304.0M | $0.45 |
| Q3 2020 | $3.1B | $198.0M | $0.33 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Fiserv Inc. Dividends, Buybacks & Capital Allocation
FISV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fiserv Inc. (CIK: 0000798354)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FISV
What is the AI rating for FISV?
Fiserv Inc. (FISV) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 75% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FISV's key strengths?
Claude: Solid operating margin at 18.3% demonstrates pricing power and operational efficiency. Stable revenue base of $5.0B with consistent 3.6% YoY growth in mature market. ChatGPT: Strong profitability with 27.5% operating margin and 16.4% net margin. Robust cash generation with $4.30B of free cash flow and 20.3% FCF margin.
What are the risks of investing in FISV?
Claude: Critically low capital efficiency with ROE of only 2.2% and ROA of 0.7% despite $80.5B asset base indicates poor asset deployment. Weak free cash flow margin of 2.8% and $141M annual FCF generation insufficient relative to $27.9B long-term debt burden. ChatGPT: Revenue growth of 3.6% and slightly declining net income suggest limited underlying growth momentum. Leverage is meaningful with $27.76B of long-term debt and debt-to-equity of 1.08x.
What is FISV's revenue and growth?
Fiserv Inc. reported revenue of $5.0B.
Does FISV pay dividends?
Fiserv Inc. does not currently pay dividends.
Where can I find FISV SEC filings?
Official SEC filings for Fiserv Inc. (CIK: 0000798354) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FISV's EPS?
Fiserv Inc. has a diluted EPS of $1.07.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FISV a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Fiserv Inc. has a BUY rating with 75% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FISV stock overvalued or undervalued?
Valuation metrics for FISV: ROE of 2.2% (sector avg: 16%), net margin of 11.4% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy FISV stock in 2026?
Our dual AI analysis gives Fiserv Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FISV's free cash flow?
Fiserv Inc.'s operating cash flow is $599.0M, with capital expenditures of $458.0M. FCF margin is 2.8%.
How does FISV compare to other Services stocks?
Vs Services sector averages: Net margin 11.4% (avg: 10%), ROE 2.2% (avg: 16%), current ratio 1.06 (avg: 1.5).