QualityDipStocks / Consumer Discretionary · Business Services
Fiserv FISV
Outside our quality screen, so we don’t track its dips. It’s 28% below its 52-week high.
Outside our quality screen, trading well below our fair value estimate.
- Fair value est.
- $138.92+178%
- Market Value
- $49.59price +1%
- Off 52-wk high
- −28%
- Risk vs market
- Lowbeta 0.49
5 bullish · 5 bearish See why
Key levels
Every level vs today’s $50.02
- 52-wk lowlowest close, 1 year$44.36−11.3%
- Market Valueavg paid since Aug 6$49.59−0.9%
- PriceFri Oct 30 close$50.02you are here
- 52-wk highhighest close, 1 year$69.85+39.6%
- Fair value est.base case$138.92+177.7%
Fair value estimate
How the range is computed
Ten-year free-cash-flow DCF. Same 10-year free-cash-flow model as the base: discount rate 9.5% ±1 point and growth 6.1% ±2 points. Bear = 10.5% and 4.1%; bull = 8.5% and 8.1% (both fade to 3%). A model estimate from public filings, not a forecast of where the price will go.
Price is below even the bear case.
Cyclical / peak cash flow — treat with care
What the price implies To be worth today’s price, FISV’s free cash flow would need to shrink about 12% a year for five years; our estimate uses 6%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much FISV moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves much less than the market, but its own price swings are 3.0× the S&P 500’s (it moves on its own news).
- Beta vs S&P 500
- 0.49
- Volatility
- 38% vs 13% SPY
- Correlation SPY
- 0.16
- Correlation QQQ
- −0.01
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
ValuationFree-cash-flow yield of 14.7% (price / FCF 6.8×): $3.9B of free cash in the last 12 months.
ValuationOur DCF fair value estimate is $138.92, 178% above the price (cyclical or peak cash flow, so treat with care).
ValuationP/E of 9.5× vs a 20.9× median for the 169 Consumer Discretionary companies we cover.
Cash returnsShare count down 3.4% in a year.
GrowthDiluted EPS grew 18% to $6.34 in FY2025.
Top bearish points 5 of 5
Balance sheetNet debt of $27.3B, 102% of the market cap (Jun 30, 2026).
Balance sheetDebt rose 25% to $29.0B from FY2023 to FY2025.
Cash returnsFree cash flow fell 24% over the last 12 months vs the 12 months before.
GrowthSales fell 1.2% over the last 12 months, below the 7.0% median for the 175 Consumer Discretionary companies we cover.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%; sales down vs the year-ago quarter; net debt 3.4× EBITDA (limit 3×).
Who’s talking about it
Notable investors, executives, analysts and public figures on Fiserv in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Business Services
All fundamentals
P/E 9.5 · FCF yield 14.7% · ROE 11%
Valuation
- P/E
- 9.5×Consumer Discretionary median 20.9×
- Price / FCF
- 6.8×
- FCF yield
- 14.7%
- EV / EBITDA
- n/aD&A or debt not tagged in SEC data
- Price / sales
- 1.28×
- Price / book
- 0.99×
- Market cap
- $26.7Bprice × diluted shares
- Enterprise value
- $54.0B
Growth
- Revenue, 12 months
- $20.9B
- Sales growth, 12 months
- −1.2%vs the 12 months before
- Sales growth, 3 yrs
- +6.1%/yrfrom FY2022
- Diluted EPS, 12 months
- $5.22
- EPS growth, last FY
- +17.8%
- Net income, 12 months
- $2.8B
- Net income growth
- −17%12 months vs before
Profitability
- Gross margin
- n/agross profit isn't reported (common for service and financial companies)
- Operating margin
- 22.3%
- Net margin
- 13.4%
- FCF margin
- 18.8%
- Return on equity
- 11%
- Return on invested capital
- 7%
Balance sheet
- Cash & short-term inv.
- $627M
- Total debt
- $27.9B
- Net cash
- −$27.3B
- Debt / equity
- 1.04×
- Interest coverage
- 3.0×operating income / interest
Cash flow & returns
- Free cash flow, 12 months
- $3.9B
- FCF growth, 12 months
- −24%
- Dividend yield
- 0%
- Payout ratio
- n/anot reported in its SEC filings
- Buybacks, 12 months
- n/anot reported in its SEC filings
- Share count, 1 year
- −3.4%diluted shares vs a year ago
- Stock-based comp
- $377M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From Fiserv’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
DCF $138.92 · MV $49.59 · FCF value $190.48
Cyclical / peak cash flow — treat with care
Assumes 6.1% growth for 5 years (revenue grew 6.1% a year FY22–FY25), fading to 3%; 9.5% discount rate, 3% terminal growth. FCF base $7.36 a share (trailing 12 months to Jun 30, 2026), from the 10-Q filed Aug 7, 2026.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Momentum & 52-week range
RSI 59 · 5 days +0.3%
The business
FCF $3.9B · Sales −4%
- Free cash flow, 12 months$3.9B
- Free-cash-flow yield15.2%
- Free-cash-flow margin19%
- Gross margin56%
- Operating margin21%
- Return on invested capital7%
- Return on equity11%
- Sales growth (latest quarter vs year-ago quarter)−4%
- Net debt / EBITDA3.4×
Next report
Nov 3
- DateTue Nov 3, before the open
- Consensus EPS$1.72
- Year-ago EPS$2.04
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
FISV is outside our quality screen
One text when a published rule fires on one of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.