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FISV

101.52USD-0.24(-0.24%)Market Closed

Fiserv Inc

Market Summary

USD101.52-0.24Market Closed
-0.24%

FISV Alerts

FISV Stock Price

RSI Chart

Valuation

Market Cap

65.6B

Price/Earnings

31.53

Price/Sales

3.78

Price/Cashflow

15.16

MarketCap/EBT

28.02

Price/Sales

Profitability

EBT Margin

13.49%

Return on Equity

6.72%

Return on Assets

2.75%

Fundamentals

Revenue

Revenue (TTM)

17.4B

Revenue Y/Y

8.53%

Revenue Q/Q

1.53%

Earnings

Earnings (TTM)

2.1B

Earnings Y/Y

12.38%

Earnings Q/Q

-19.57%

Price Action

52 Week Range

87.03110.99
(Low)(High)

Last 7 days

0.5%

Last 30 days

-1.0%

Last 90 days

0.3%

Trailing 12 Months

4.2%

Financial Health

Current Ratio

1.06

Debt/Equity

0.67

Debt/Cashflow

0.21

Investor Care

Buy Backs (1Y)

3.82%

Diluted EPS (TTM)

3.19

Peers (Alternatives to Fiserv)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
100.8B
16.9B
5.94% 10.52%
34.19
6.11
9.86% 12.25%
65.6B
17.4B
-1.05% 4.16%
31.53
3.78
9.89% 59.95%
35.6B
16.3B
1.34% -70.82%
-72.87
2.19
2.24% -185.26%
32.6B
19.3B
-4.96% -24.05%
14.44
1.69
10.57% 34.44%
21.6B
1.4B
-4.14% -20.25%
26.22
15.49
6.77% 34.71%
MID-CAP
7.1B
6.3B
1.32% 14.98%
19.36
1.13
3.99% -18.61%
6.9B
15.4B
-2.61% -6.16%
12.68
0.43
-8.73% 94.10%
5.9B
7.5B
2.23% 27.62%
22.72
0.79
3.56% -8.77%
2.3B
887.2M
3.43% -50.13%
27.46
2.55
25.16% 47.30%
2.1B
1.1B
-6.94% 17.44%
46.55
1.96
5.13% -31.88%
SMALL-CAP
1.0B
411.1M
2.56% -78.68%
-5.38
2.69
21.18% 4.38%
601.3M
2.0B
-54.57% -78.36%
-2.68
0.3
-6.20% 49.90%
484.1M
322.6M
-37.13% -65.66%
-71.86
1.5
10.82% -199.96%
282.0M
214.4M
-20.51% -45.46%
-110.97
1.33
1.07% -145.72%
89.0M
78.9M
-6.44% -52.49%
-10.41
1.14
20.00% -1729.41%

Financials for Fiserv

Income Statement (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Revenue2.1%17,36317,00816,60916,22615,801
  S&GA Expenses1.2%6,0816,0105,9045,8105,748
Earnings Before Taxes8.0%2,3422,1682,0201,6661,604
Net Income2.6%2,0812,0281,6991,3341,301
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Assets-2.0%75,64077,21275,47076,24975,767
  Current Assets-2.0%19,87520,28118,44318,87018,425
    Cash Equivalents10.2%3,3753,0632,833835942
  Net PPE6.7%1,9241,8041,7291,7421,717
  Goodwill-1.6%36,24136,82936,53836,43336,303
Liabilities-1.6%44,49745,24243,32844,29943,183
  Current Liabilities-3.2%18,72419,35117,73018,29517,562
  Long Term Debt-0.3%20,84720,91520,51820,72920,540
Shareholder's Equity-0.4%30,98231,10931,27230,95231,596
  Retained Earnings3.0%16,59416,11315,51514,84614,442
  Additional Paid-In Capital0.3%23,01022,95022,98322,974-
Shares Outstanding-0.9%645651661--
Minority Interest-6.3%656700706720728
* denotes actual numbers (not divided by Millions)
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q32022Q22022Q12021Q42021Q3
Cashflow From Operations13.1%4,3283,8263,8974,0343,877
  Share Based Compensation9.7%293267234239273
Cashflow From Investing-5.1%-2,199.00-2,092.00-1,022.00-1,630.00-1,152.00
Cashflow From Financing-11.4%-1,246.00-1,118.00-2,425.00-1,741.00-2,338.00

Risks

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.

Returns

Cumulative Returns on FISV

18.1%


10-Year Cumulative Returns

11.1%


7-Year Cumulative Returns

9.1%


5-Year Cumulative Returns

-4.4%


3-Year Cumulative Returns

What are the long-term rolling returns for FISV?

FIve years rolling returns for Fiserv.

Which funds bought or sold FISV recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2022-11-23
Gould Capital, LLC
REDUCED
-0.38
44,000
981,000
0.85%
2022-11-23
Aurora Investment Counsel
REDUCED
-44.57
-720,000
864,000
0.66%
2022-11-23
Eagle Bay Advisors LLC
REDUCED
-2.84
935
48,000
0.03%
2022-11-23
Toroso Investments, LLC
REDUCED
-0.5
49,000
1,112,000
0.05%
2022-11-22
CVA Family Office, LLC
ADDED
76.76
125,000
270,000
0.07%
2022-11-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
NEW
-
8,930,000
8,930,000
0.10%
2022-11-22
B. Riley Wealth Advisors, Inc.
ADDED
10.43
421,000
3,040,000
0.09%
2022-11-21
DEARBORN PARTNERS LLC
ADDED
1.79
15,000
229,000
0.01%
2022-11-21
ST GERMAIN D J CO INC
UNCHANGED
-
-
395,000
0.03%
2022-11-21
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM
REDUCED
-1.88
2,972,000
95,966,000
0.16%

1–10 of 45

Latest Funds Activity

Are funds buying FISV calls or puts?
Are funds bullish or bearish(Calls - Puts)?
No. of funds that own FISV

Fiserv News

MarketWatch

Jack Henry & Associates Inc. stock underperforms Tuesday when compared to competitors.11 hours ago

InvestorsObserver

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 ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

62.17

-38.76%

80.86

-20.35%

209.29

106.16%

273.63

169.53%

334.85

229.84%

Current Inflation

57.26

-43.60%

72.90

-28.19%

181.45

78.73%

235.36

131.84%

286.51

182.22%

Very High Inflation

51.30

-49.47%

63.49

-37.46%

149.51

47.27%

191.76

88.89%

231.67

128.20%

Historical Fiserv Fair Value Estimates


Recent SEC filings of Fiserv

View All Filings
Date Filed Form Type Document
Nov 21, 2022
8-K
Current Report
Nov 02, 2022
4
Insider Trading
Oct 28, 2022
10-Q
Quarterly Report
Oct 27, 2022
8-K
Current Report
Oct 06, 2022
4
Insider Trading
Oct 03, 2022
4
Insider Trading
Oct 03, 2022
4
Insider Trading
Oct 03, 2022
4
Insider Trading
Oct 03, 2022
4
Insider Trading
Sep 13, 2022
4
Insider Trading

Latest Insider Trading transactions for FISV

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2022-11-01
Chiarello Guy
SOLD
-470,015
103.3
-4,550
Chief Operating Officer
2022-09-12
DiSimone Harry
SOLD
-294,196
108.72
-2,706
-
2022-09-07
Chiarello Guy
SOLD
-462,220
105.05
-4,400
Chief Operating Officer
2022-09-02
Chiarello Guy
SOLD
-10,500
105
-100
Chief Operating Officer
2022-09-01
Chiarello Guy
SOLD
-1,205,400
100.98
-11,937
Chief Operating Officer
2022-09-01
Chiarello Guy
ACQUIRED
498,370
41.75
11,937
Chief Operating Officer
2022-08-15
Bisignano Frank
SOLD (Taxes)
-12,416,800
110.16
-112,716
Chairman, President and CEO
2022-08-12
DE CASTRO HENRIQUE
ACQUIRED
769,194
108.72
7,075
-
2022-08-12
Bisignano Frank
ACQUIRED
32,224,700
36.54
881,902
Chairman, President and CEO
2022-08-12
Bisignano Frank
SOLD (Taxes)
-63,838,900
109.37
-583,697
Chairman, President and CEO

1–10 of 50

Frank J. Bisignano
44000
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

2022-09-30
Consolidated Statements of Income - USD ($)
shares in Millions, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2022
Sep. 30, 2021
Sep. 30, 2022
Sep. 30, 2021
Revenue$ 4,518$ 4,163$ 13,106$ 11,969
Selling, general and administrative1,5471,4764,5604,289
Net gain on sale of business and other assets1200(27)[1]0[1]
Total expenses3,6633,52710,54510,214
Operating income8556362,5611,755
Interest expense, net(190)(172)(534)(523)
Other (expense) income(13)14(83)36
Income before income taxes and income (loss) from investments in unconsolidated affiliates6524781,9441,268
Income tax provision(147)(54)(382)(300)
Income (loss) from investments in unconsolidated affiliates(12)22222[1]80[1]
Net income4934461,784[1]1,048[1]
Less: net income attributable to noncontrolling interests and redeemable noncontrolling interests12183647
Net income attributable to Fiserv, Inc.$ 481$ 428$ 1,748$ 1,001
Net income attributable to Fiserv, Inc. per share – basic (in dollars per share)$ 0.75$ 0.65$ 2.71$ 1.51
Net income attributable to Fiserv, Inc. per share – diluted (in dollars per share)$ 0.75$ 0.64$ 2.68$ 1.49
Shares used in computing net income attributable to Fiserv, Inc. per share:    
Basic (in shares)639.6661.4645.2664.6
Diluted (in shares)645.0669.7651.0674.1
Processing and services    
Revenue[2]$ 3,678$ 3,407$ 10,738$ 9,822
Cost of goods sold and services1,4431,5304,3814,425
Product    
Revenue8407562,3682,147
Cost of goods sold and services$ 553$ 521$ 1,631$ 1,500
[1]The company revised, for comparable purposes with the current period’s presentation, the consolidated statement of cash flows presentation for the nine months ended September 30, 2021 to include cash and cash equivalents within settlement assets as a component of total cash and cash equivalents. Additional information is included in Note 1.
[2]Includes processing and other fees charged to related party investments accounted for under the equity method of $51 million and $46 million for the three months ended September 30, 2022 and 2021, respectively, and $151 million and $160 million for the nine months ended September 30, 2022 and 2021, respectively (see Note 18).

FISV Balance Sheet

2022-09-30
Consolidated Balance Sheets - USD ($)
$ in Millions
Sep. 30, 2022
Dec. 31, 2021
Assets  
Cash and cash equivalents$ 893$ 835
Trade accounts receivable, less allowance for doubtful accounts3,3032,860
Prepaid expenses and other current assets1,4841,523
Settlement assets14,19513,652
Total current assets19,87518,870
Property and equipment, net1,9241,742
Intangible assets, net12,45614,009
Goodwill36,24136,433
Contract costs, net886811
Investments in unconsolidated affiliates2,3902,561
Other long-term assets1,8681,823
Total assets75,64076,249
Liabilities and Equity  
Accounts payable and accrued expenses3,4563,550
Short-term and current maturities of long-term debt528508
Contract liabilities545585
Settlement obligations14,19513,652
Total current liabilities18,72418,295
Long-term debt20,84720,729
Deferred income taxes3,7664,172
Long-term contract liabilities216225
Other long-term liabilities944878
Total liabilities44,49744,299
Commitments and Contingencies (see Note 17)
Redeemable Noncontrolling Interests161278
Fiserv, Inc. Shareholders’ Equity:  
Preferred stock, no par value: 25 million shares authorized; none issued00
Common stock, $0.01 par value: 1,800 million shares authorized; 784 million shares issued88
Additional paid-in capital22,95922,983
Accumulated other comprehensive loss(1,539)(745)
Retained earnings16,59414,846
Treasury stock, at cost, 148 million and 134 million shares(7,696)(6,140)
Total Fiserv, Inc. shareholders’ equity30,32630,952
Noncontrolling interests656720
Total equity30,98231,672
Total liabilities and equity75,64076,249
Customer relationships, net  
Assets  
Intangible assets, net8,4649,991
Other intangible assets, net  
Assets  
Intangible assets, net$ 3,992$ 4,018