Market Summary
USD109.49+0.23
Market Closed0.21%
FISV Stock Price
FISV RSI Chart
FISV Valuation
FISV Price/Sales (Trailing)
FISV Profitability
FISV Fundamentals
FISV Revenue
FISV Earnings
Price Action
52 Week Range
87.03119.48
(Low)(High)
Last 7 days
-6.7%
Last 30 days
-6.2%
Last 90 days
11.0%
Trailing 12 Months
14.5%
FISV Financial Health
FISV Investor Care
Peers (Alternatives to Fiserv)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
ADP | 89.4B | 17.2B | -6.21% | 0.92% | 28.42 | 5.19 | 9.88% | 14.66% |
FISV | 70.0B | 17.7B | -6.17% | 14.47% | 27.68 | 3.95 | 9.31% | 89.66% |
SQ | 44.5B | 17.5B | -3.58% | -28.15% | -82.3 | 2.54 | -0.73% | -425.19% |
CTSH | 29.7B | 19.4B | -15.50% | -34.47% | 12.98 | 1.53 | 4.98% | 7.16% |
VRSN | 20.4B | 1.4B | -9.85% | -6.11% | 30.35 | 14.35 | 7.33% | -14.14% |
| MID-CAP | ||||||||
CACI | 6.7B | 6.5B | -6.29% | -5.62% | 18.33 | 1.03 | 6.38% | -16.32% |
SAIC | 5.7B | 7.5B | -2.29% | 18.08% | 21.29 | 0.76 | 2.58% | -9.12% |
DXC | 5.4B | 14.8B | -21.29% | -25.03% | 7.52 | 0.36 | -10.79% | 217.70% |
PRFT | 2.3B | 905.1M | -12.21% | -32.38% | 22.42 | 2.59 | 18.93% | 100.40% |
| SMALL-CAP | ||||||||
FSLY | 2.0B | 432.7M | 15.63% | 6.35% | -10.5 | 4.63 | 22.12% | 14.33% |
CSGS | 1.6B | 1.1B | -17.43% | -18.78% | 36.68 | 1.48 | 4.13% | -39.09% |
TCX | 257.5M | 324.7M | -28.83% | -63.85% | -16 | 0.79 | 10.96% | -317.50% |
UIS | 233.9M | 2.0B | -37.32% | -83.97% | -2.21 | 0.12 | -3.63% | 76.37% |
INOD | 193.8M | 79.0M | 12.39% | 27.29% | -16.23 | 2.45 | 13.25% | -613.39% |
BCOV | 191.4K | 211.0M | -33.86% | -33.86% | -0.02 | 9e-4 | -0.04% | -267.04% |
Financials for Fiserv
| Income Statement (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 2.2% | 17,737 | 17,363 | 17,008 | 16,609 | 16,226 |
| S&GA Expenses | -0.4% | 6,059 | 6,081 | 6,010 | 5,904 | 5,810 |
| Costs and Expenses | -1.9% | 13,997 | 14,269 | 14,133 | 13,950 | 13,938 |
| EBITDA | 33.1% | 2,180 | 1,638 | 1,482 | 4,583 | - |
| EBITDA Margin | 30.3% | 0.12* | 0.09* | 0.09* | 0.28* | - |
| Earnings Before Taxes | 24.4% | 2,913 | 2,342 | 2,168 | 2,020 | 1,666 |
| EBT Margin | 21.8% | 0.16* | 0.13* | 0.13* | 0.12* | - |
| Interest Expenses | -4.1% | -733 | -704 | -686 | -685 | -693 |
| Net Income | 21.6% | 2,530 | 2,081 | 2,028 | 1,699 | 1,334 |
| Net Income Margin | 19.0% | 0.14* | 0.12* | 0.12* | 0.10* | - |
| Free Cahsflow | 10.8% | 3,139 | 2,834 | 2,442 | 2,640 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 10.9% | 83,869 | 75,640 | 77,212 | 75,470 | 76,249 |
| Current Assets | 38.6% | 27,544 | 19,875 | 20,281 | 18,443 | 18,870 |
| Cash Equivalents | -73.3% | 902 | 3,375 | 3,063 | 2,833 | 835 |
| Net PPE | 6.7% | 1,924 | 1,804 | 1,729 | 1,742 | - |
| Goodwill | 1.6% | 36,811 | 36,241 | 36,829 | 670 | 36,433 |
| Liabilities | 17.3% | 52,181 | 44,497 | 45,242 | 43,328 | 44,299 |
| Current Liabilities | 41.3% | 26,458 | 18,724 | 19,351 | 17,730 | 18,295 |
| Long Term Debt | 0.5% | 20,950 | 20,847 | 20,915 | 20,518 | 20,729 |
| Shareholder's Equity | 1.7% | 30,828 | 30,326 | 31,809 | 31,978 | 30,952 |
| Retained Earnings | 4.7% | 17,376 | 16,594 | 16,113 | 15,515 | 14,846 |
| Additional Paid-In Capital | 0.2% | 23,011 | 22,959 | 23,010 | 22,950 | 22,983 |
| Shares Outstanding | -0.9% | 640 | 645 | 651 | - | - |
| Minority Interest | 6.6% | 699 | 656 | 700 | 706 | 720 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | 6.7% | 4,618 | 4,328 | 3,826 | 3,897 | 4,034 |
| Share Based Compensation | 10.2% | 323 | 293 | 267 | 234 | 239 |
| Cashflow From Investing | 4.0% | -2,112 | -2,199 | -2,092 | -1,022 | -1,630 |
| Cashflow From Financing | -51.8% | -2,478 | -1,632 | -1,284 | -2,425 | -1,741 |
Risks for FISV
What is the probability of a big loss on FISV?
36.5%
Probability that Fiserv stock will be more than 20% underwater in next one year
18.5%
Probability that Fiserv stock will be more than 30% underwater in next one year.
0%
Probability that Fiserv stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does FISV drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Fiserv was unfortunately bought at previous high price.
Drawdowns
Returns for FISV
Cumulative Returns on FISV
17.7%
10-Year Cumulative Returns
11.8%
7-Year Cumulative Returns
8.0%
5-Year Cumulative Returns
1.9%
3-Year Cumulative Returns
What are the long-term rolling returns for FISV?
FIve years rolling returns for Fiserv.
Annualized Returns
Which funds bought or sold FISV recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-03-15 | B. Riley Wealth Advisors, Inc. | reduced | -14.44 | -232,579 | 2,807,420 | 0.08% |
2023-03-13 | Claro Advisors LLC | reduced | -19.41 | -18,376 | 200,624 | 0.07% |
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | reduced | -2.33 | 2,790,460 | 53,572,500 | 0.06% |
2023-03-08 | Capital Asset Advisory Services LLC | reduced | -32.76 | -210,963 | 608,037 | 0.05% |
2023-03-08 | SHEETS SMITH WEALTH MANAGEMENT | unchanged | - | 50,915 | 690,915 | 0.11% |
2023-03-06 | OLD MISSION CAPITAL LLC | sold off | -100 | -314,000 | - | -% |
2023-03-06 | NORTH STAR ASSET MANAGEMENT INC | added | 0.3 | 2,655,810 | 34,507,800 | 2.14% |
2023-03-06 | Rockefeller Capital Management L.P. | added | 83.05 | 7,621,000 | 15,420,000 | 0.08% |
2023-03-03 | Crumly & Associates Inc. | added | 18.31 | 113,117 | 521,117 | 0.20% |
2023-03-03 | TIAA, FSB | added | 5.91 | 187,490 | 1,491,490 | 0.01% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Fiserv News
Schedule 13G FIlings of Fiserv
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 14, 2023 | price t rowe associates inc /md/ | 8.4% | 53,232,727 | SC 13G/A | |
| Feb 14, 2023 | dodge & cox | 5.7% | 36,319,244 | SC 13G/A | |
| Feb 09, 2023 | vanguard group inc | 7.98% | 50,669,809 | SC 13G/A | |
| Feb 07, 2023 | blackrock inc. | 6.6% | 42,148,392 | SC 13G/A | |
| Jul 01, 2022 | kkr 2006 fund l.p. | 4.8% | 30,939,249 | SC 13D/A | |
| May 10, 2022 | kkr 2006 fund l.p. | 5.6% | 36,195,843 | SC 13D/A | |
| Mar 24, 2022 | kkr 2006 fund l.p. | 6.6% | 42,787,369 | SC 13D/A | |
| Feb 14, 2022 | dodge & cox | 5.4% | 35,432,277 | SC 13G | |
| Feb 14, 2022 | price t rowe associates inc /md/ | 6.7% | 44,832,098 | SC 13G/A | |
| Feb 10, 2022 | vanguard group inc | 7.20% | 47,540,583 | SC 13G/A |
FISV Fair Value
Fiserv fair value in different scenarios
The table shows the Fair Value estimates for Fiserv for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
| Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
|---|---|---|---|---|---|
| Very Low Inflation | 62.17 -43.22% | 80.86 -26.15% | 209.29 91.15% | 273.63 149.91% | 334.85 205.83% |
| Current Inflation | 40.43 -63.07% | 59.05 -46.07% | 126.50 15.54% | 222.84 103.53% | 312.67 185.57% |
| Very High Inflation | 51.30 -53.15% | 63.49 -42.01% | 149.51 36.55% | 191.76 75.14% | 231.67 111.59% |
Historical Fiserv Fair Value Estimates
Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price
Recent SEC filings of Fiserv
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 8-K | Current Report | |
| Mar 01, 2023 | 424B5 | Prospectus Filed | |
| Feb 27, 2023 | FWP | Prospectus Filed | |
| Feb 27, 2023 | 424B5 | Prospectus Filed | |
| Feb 27, 2023 | 4 | Insider Trading | |
| Feb 27, 2023 | 4 | Insider Trading | |
| Feb 27, 2023 | 4 | Insider Trading | |
| Feb 27, 2023 | 4 | Insider Trading | |
| Feb 24, 2023 | 4 | Insider Trading |
Latest Insider Trading transactions for FISV
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-03-02 | Chiarello Guy | sold | -1,515,110 | 116 | -13,059 | chief operating officer |
2023-03-01 | Chiarello Guy | sold | -1,502,700 | 115 | -13,059 | chief operating officer |
2023-03-01 | Chiarello Guy | sold | -917,920 | 114 | -8,000 | chief operating officer |
2023-02-26 | Best Kenneth | sold (taxes) | -28,498 | 114 | -249 | chief accounting officer |
2023-02-26 | Chiarello Guy | sold (taxes) | -323,550 | 114 | -2,827 | chief operating officer |
2023-02-26 | Bisignano Frank | sold (taxes) | -561,148 | 114 | -4,903 | chairman, president and ceo |
2023-02-26 | Foskett Christopher M | sold (taxes) | -85,036 | 114 | -743 | chief revenue officer |
2023-02-23 | Rosman Adam L. | sold (taxes) | -185,532 | 116 | -1,592 | chief admin. and legal officer |
2023-02-23 | Hau Robert W. | sold (taxes) | -394,371 | 116 | -3,384 | chief financial officer |
2023-02-23 | Foskett Christopher M | sold (taxes) | -175,043 | 116 | -1,502 | chief revenue officer |
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.
FISV Income Statement
2022-12-31Consolidated Statements of Income - USD ($) shares in Millions, $ in Millions | 12 Months Ended | ||||
|---|---|---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |||
| Revenue: | |||||
| Total revenue | $ 17,737 | $ 16,226 | $ 14,852 | ||
| Expenses: | |||||
| Selling, general and administrative | 6,059 | 5,810 | 5,652 | ||
| Net gain on sale of businesses and other assets | (54) | 0 | (464) | ||
| Total expenses | 13,997 | 13,938 | 13,000 | ||
| Operating income | 3,740 | 2,288 | 1,852 | ||
| Interest expense, net | (733) | (693) | (709) | ||
| Other (expense) income | (94) | 71 | 28 | ||
| Income before income taxes and income from investments in unconsolidated affiliates | 2,913 | 1,666 | 1,171 | ||
| Income tax provision | (551) | (363) | (196) | ||
| Income from investments in unconsolidated affiliates | 220 | 100 | 0 | ||
| Net income | 2,582 | 1,403 | 975 | ||
| Less: net income attributable to noncontrolling interests and redeemable noncontrolling interests | 52 | 69 | 17 | ||
| Net income attributable to Fiserv, Inc. | $ 2,530 | $ 1,334 | $ 958 | ||
| Net income attributable to Fiserv, Inc. per share – basic (in dollars per share) | $ 3.94 | $ 2.01 | $ 1.42 | ||
| Net income attributable to Fiserv, Inc. per share – diluted (in dollars per share) | $ 3.91 | $ 1.99 | $ 1.40 | ||
| Shares used in computing net income attributable to Fiserv, Inc. per share: | |||||
| Basic (in shares) | 642.3 | 662.6 | 672.1 | ||
| Diluted (in shares) | 647.9 | 671.6 | 683.4 | ||
| Processing and services | |||||
| Revenue: | |||||
| Total revenue | [1] | $ 14,460 | $ 13,307 | $ 12,215 | |
| Expenses: | |||||
| Cost of goods and services sold | 5,771 | 6,084 | 5,841 | ||
| Product | |||||
| Revenue: | |||||
| Total revenue | 3,277 | 2,919 | 2,637 | ||
| Expenses: | |||||
| Cost of goods and services sold | $ 2,221 | $ 2,044 | $ 1,971 | ||
| |||||
FISV Balance Sheet
2022-12-31Consolidated Balance Sheets - USD ($) $ in Millions | Dec. 31, 2022 | Dec. 31, 2021 |
|---|---|---|
| Assets | ||
| Cash and cash equivalents | $ 902 | $ 835 |
| Trade accounts receivable, less allowance for doubtful accounts | 3,585 | 2,860 |
| Prepaid expenses and other current assets | 1,575 | 1,523 |
| Settlement assets | 21,482 | 13,652 |
| Total current assets | 27,544 | 18,870 |
| Property and equipment, net | 1,958 | 1,742 |
| Intangible assets, net | 12,415 | 14,009 |
| Goodwill | 36,811 | 36,433 |
| Contract costs, net | 905 | 811 |
| Investments in unconsolidated affiliates | 2,403 | 2,561 |
| Other long-term assets | 1,833 | 1,823 |
| Total assets | 83,869 | 76,249 |
| Liabilities and Equity | ||
| Accounts payable and accrued expenses | 3,883 | 3,550 |
| Short-term and current maturities of long-term debt | 468 | 508 |
| Contract liabilities | 625 | 585 |
| Settlement obligations | 21,482 | 13,652 |
| Total current liabilities | 26,458 | 18,295 |
| Long-term debt | 20,950 | 20,729 |
| Deferred income taxes | 3,602 | 4,172 |
| Long-term contract liabilities | 235 | 225 |
| Other long-term liabilities | 936 | 878 |
| Total liabilities | 52,181 | 44,299 |
| Commitments and Contingencies (see Note 18) | ||
| Redeemable Noncontrolling Interests | 161 | 278 |
| Fiserv, Inc. Shareholders’ Equity: | ||
| Preferred stock, no par value: 25 million shares authorized; none issued | 0 | 0 |
| Common stock, $0.01 par value: 1,800 million shares authorized; 784 million shares issued | 8 | 8 |
| Additional paid-in capital | 23,011 | 22,983 |
| Accumulated other comprehensive loss | (1,189) | (745) |
| Retained earnings | 17,376 | 14,846 |
| Treasury stock, at cost, 154 million and 134 million shares | (8,378) | (6,140) |
| Total Fiserv, Inc. shareholders’ equity | 30,828 | 30,952 |
| Noncontrolling interests | 699 | 720 |
| Total equity | 31,527 | 31,672 |
| Total liabilities and equity | 83,869 | 76,249 |
| Customer relationships, net | ||
| Assets | ||
| Intangible assets, net | 8,424 | 9,991 |
| Other intangible assets, net | ||
| Assets | ||
| Intangible assets, net | $ 3,991 | $ 4,018 |