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Fiserv

NSQ:FISV · US3377381088
IT ServicesX-Large

360

30
Medium confidence — indicative
EV / EBIT70
Price / Owner Earnings82
Owner Earnings Yield60
Dividend Yield1
Price/Sales54
EV / Gross Profit37
Price/Book88
Returns on capital39
Profit margins74
Cash Conversion48
Accruals44
Owner Earnings Margin83
Sales growth10
Profit Growth94
Long-Term EPS Growth52
Owner Earnings Growth25
Reinvestment29
Price momentum10
Debt load39
Debt serviceability81
Liquidity46
Analyst ratings24
Opinion Changes50
Price Target Upside40
Market mood71
Value Creation8/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Fiserv clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryUSA
IndustryIT Services
SizeX-Large
TypePublic Company
ExchangeNASDAQGS
Founded1984
Employees30,791
Websitefiserv.com
ISINUS3377381088
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)S&P 500 (USA)
Themes
Process AutomationElectronic Money Institutions (EMIs)Online PaymentsAnti-FraudFintechPayment Facilitator EnablersSmart CardsData ProtectionFinancial ServicesFinTechInformation ServicesInformation Technology

Description

Fiserv, Inc. provides payments and financial services technology solutions. The company serves clients around the globe, including merchants, banks, credit unions, other financial institutions, corporate and public sector clients. The company helps…

Analysis

Middle-of-the-road

Fiserv, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 6.2× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -10% yearly growth; analysts expect 9%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is adequate. The company scores 8/20 on our value-creation score: creating some value.

What to watch: A large part of the company's book value is the price paid for past acquisitions. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
75
2023202420252026

All-time high

78

Oct 2025

All-time low

27

Nov 2025

Average rank

58

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
54
21
25
31
Price/Earnings
74
53
50
53
Price/Book
88
42
67
78
Dividend Yield
1
1
1
1
Value (overall)
70
84
32
43

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →