Fiserv, Inc. (FISV), Discounted Cash Flow Valuation

شركة Fiserv ، Inc. (FISV) Profile

US | Technology | Information Technology Services | NASDAQ
114.23 2.00 (1.78%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
116.2B
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
20.46B
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
3.13B
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
571.4M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
5.39
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
37.97
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
0.00%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
2.42M
Open The opening trade price over the trading day.
112.54
Previous Close The last closing price.
112.23
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.85
1 day delta The range between the high and low prices over the past day.
112.48-116.07
52 weeks The range between the high and low prices over the past 52 weeks.
109.115-188.85

Total Valuation

Fiserv, Inc. has a market cap or net worth of 115.88B. The enterprise value is 139.49B.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
115.88B
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
139.49B

Valuation Ratios

The trailing PE ratio is 37.86. Fiserv, Inc.'s PEG ratio is 10.36.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
37.86
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
5.66
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
4.38
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
22.72
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
10.36

Enterprise Valuation

The stock's EV/EBITDA ratio is 15.81, with a EV/FCF ratio of 27.34.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
6.82
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
15.81
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
20.85
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
27.34

Financial Efficiency

Return on equity (ROE) is 11.20% and return on invested capital (ROIC) is 8.98%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
11.20%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
4.06%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
8.98%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.27
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 60.81%, with operating and profit margins of 28.73% and 15.31%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
60.81%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
28.73%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
22.03%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
15.31%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
43.12%

Income Statement

In the last 12 months, Fiserv, Inc. had revenue of 20.46B and earned 3.13B in profits. Earnings per share (EPS) was 5.39.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
20.46B
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
12.44B
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
5.88B
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
4.51B
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
3.13B
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
8.82B
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
5.74B
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
5.39

Financial Position

The company has a trailing 12 months (ttm) current ratio of 1.06, with a ttm Debt / Equity ratio of 0.92.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
1.06
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
1.06
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0.92
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
0.77

Dividends & Yields

This stock pays an annual dividend of 0, which amounts to a dividend yield of 0.00%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
0
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
0.00%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
2.64%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
4.40%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
0.00%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
0.00%

Balance Sheet

The company has 1.24B in cash and 24.84B in debt, giving a net cash position of -23.6B.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
1.24B
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
24.84B
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
-23.6B
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
27.07B
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
48.45
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
1.32B

Cash Flow

In the last 12 months, operating cash flow of the company was 6.69B and capital expenditures -1.57B, giving a free cash flow of 5.1B.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
6.69B
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-1.57B
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
5.1B
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
8.93

Fiserv, Inc. News

Apr 8, 2025 - pymnts.com
Fiserv Acquires Australian Payment Facilitator Pinch Payments
Fiserv says it has acquired payment facilitator (PayFac) Pinch Payments and its management platform Glassbox. As the company noted in a Monday (April 7) announcement, Pinch — founded in 2017 and serving roughly 2,000 merchants in Australia and New Zealand — provides tools to facilitate payments more efficiently at scale....[read more]
Mar 19, 2025 - pymnts.com
Fiserv Purchases CCV to Expand Clover Throughout Europe
Fiserv has acquired CCV, a payment solutions provider operating in the Netherlands, Belgium and Germany. The payments technology firm announced the deal Wednesday (March 19) morning, saying it allows Fiserv to speed deployment of its Clover point-of-sale (POS) platform throughout Europe....[read more]
Feb 5, 2025 - pymnts.com
Fiserv's Clover Revenues Leap 29%, Commerce Hub's Momentum Continues
In the final three months of the year, Fiserv's revenue growth continued to be underpinned by its merchant and financial solutions segments — and an embrace by enterprises of Clover, its POS hardware and software flagship offering. Commerce Hub, the company's payments acceptance platform, has seen significant growth, management said on its Wednesday (Feb....[read more]
Jan 23, 2025 - pymnts.com
Fiserv Appoints PNC Veteran Michael Lyons as President and CEO-Elect
Fiserv has appointed Michael P. Lyons, former president of PNC Financial Services Group, as its president and CEO-elect, effective Monday (Jan. 27)....[read more]
Nov 3, 2024 - cnbc.com
Top Wall Street analysts are confident about the long-term potential of these 3 stocks
TipRanks' analyst ranking service pinpoints Wall Street's best-performing stocks, including Chipotle Mexican Grill and Fiserv....[read more]
Oct 22, 2024 - pymnts.com
Fiserv Earnings Highlight Embedded Finance and Pay-by-Bank Pacts
Fiserv's latest third quarter results showed growth in its core point-of-sale solutions — and long-term potential for embedded finance amid new and recently struck partnerships....[read more]
Sep 27, 2024 - pymnts.com
Fiserv-Wells Fargo Merchant Acquiring Joint Venture to Expire in April
Fiserv disclosed Wednesday (Sept. 25) that it expects its merchant acquiring joint venture with Wells Fargo to expire April 1, 2025....[read more]
Aug 29, 2024 - pymnts.com
Fiserv to Facilitate Merchant Access to PayPal, Venmo and Fastlane
Fiserv clients will be able to more easily enable PayPal, Venmo and related services, and accelerate guest checkout flows in the U.S. via a simple connection point to Fastlane by PayPal. These enhancements are enabled by an expansion of the global strategic partnership of Fiserv and PayPal, the companies said in a Thursday (Aug....[read more]
Jul 24, 2024 - pymnts.com
Fiserv: Clover Revenues Are Up 29% in 2024
Fiserv's momentum with its Clover point of sale technologies continues to help underpin revenue growth, while management charted a path for its partnership with Apple, enabling new Apple Pay functionalities....[read more]
Jul 5, 2024 - zacks.com
5 Financial Transaction Stocks in Focus Amid Digital Payment Boom
The Financial Transaction Services industry benefits from digital adoption, strong consumer spending and M&A strategies. Companies like FI, FIS, GPN, WEX and WU are well-positioned to thrive amid these favorable trends....[read more]

Fiserv, Inc. Details

Country US
City Brookfield
Address 255 Fiserv Drive
Ticker Symbol FISV
Exchange NASDAQ Global Market
IPO Date May 30, 2023
CEO Mr. Frank J. Bisignano
Sector Technology
Industry Information Technology Services
Employees 41K

Fiserv, Inc. Company Description

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. The company was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

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