FISV Miscellaneous

Fiserv, Inc.

$58.40+12.46%

Price as of close on Nov 3, 2026 · Financials updated Nov 4, 2026

Basics

Sector: Miscellaneous
Industry: Miscellaneous
Market cap: 31.1B USD
Enterprise value: 52.5B USD

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings
Drawback: growing more slowly than most peersgrowing more slowly than peers
About average: risk (debt, liquidity and share-price swings)risk

Ranks #2 of 6 miscellaneous companies (top 34%)

Yahoo Finance doesn’t classify this company, so it is compared with other unclassified companies. That group mixes unrelated businesses, so its rankings are less meaningful than sector rankings.

See how it ranks against its peers

Worth knowing

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $14.9B in 2020 to $21.2B in 2025.
Fiserv's fiscal-year revenue rose in each of the five years to 2025, from $14.9B to $21.2B.
Profit is backed by cash. Free cash flow is 140% of reported profit.
Fiserv's free cash flow is 140% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.
Wide margins. Operating margin 22% (12 months to Jun 2026) vs a peer median of 7.7%.Operating margin 22% vs peers 7.7%.
Fiserv keeps 22% of revenue as operating profit, more than 91% of peers (median 7.7%).

StockQuotient Score

60/ 100

Oct 5 60 → Nov 4 60

Valuation

Is the price right?

98/100

Strong▼ 2 since Oct 27 close

2/3 inputs reported · Partial data

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 100 → 98

Peer companies moved-2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ FCF yield

Compare with peers

Behind the score

Sector-normalized EBITDA, earnings, and free cash flow yields.

Earnings yield10.1%

SEC filings · 12 months to Jun 2026Reported value30% base weight · Z-score 0.10Sector median: 0.0930 · MAD: 0.0820

EBITDA yieldUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.0595 · MAD: 0.0403

Free cash flow yield14.2%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported value20% base weight · Z-score 7.75Sector median: 0.0162 · MAD: 0.0162

Other data (not scored)

Book yield97.4%

SEC filings · latest balance sheetReported valueInformational · 0% composite weightSector median: 0.6716 · MAD: 0.4443

Growth

Is it growing?

36/100

Weak

3/3 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ EPS growth
▼ Revenue growth

Compare with peers

Behind the score

Revenue and earnings-per-share growth over one year, and revenue growth over three years.

Earnings per share growth-15.3%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.60Sector median: 0.1263 · MAD: 0.4644

3-year revenue growth4.2%

SEC filings · 3 years to Jun 2026Reported value33% base weight · Z-score 0.11Sector median: 0.0337 · MAD: 0.0767

Revenue growth-1.2%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.49Sector median: 0.0583 · MAD: 0.1425

Profitability

Does it earn well?

72/100

Moderate▲ 2 since Oct 27 close

3/3 inputs reported · High confidence

Since last quarter: ▼ Weaker

Operating margin fell 3.0 points to 22.3%

Why it changed since the Oct 27, 2026 close: Score 70 → 72

Peer companies moved+2

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Stronger than most peers on:

▲ Operating margin

Compare with peers

Behind the score

Return on invested capital, operating margin, and return on assets.

Operating margin22.3%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 2.22Sector median: 0.0771 · MAD: 0.0660

Return on assets3.5%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score 0.40Sector median: 0.0266 · MAD: 0.0200

Return on invested capital6.8%

SEC filings · 12 months to Jun 2026Reported value33% base weight · Z-score -0.18Sector median: 0.0812 · MAD: 0.0731

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.3551 · MAD: 0.2203

Return on equity10.4%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0809 · MAD: 0.0753

Risk

Debt, liquidity, price swings

Moderate

Moderate relative risk

2/3 inputs reported · Partial data

Since last quarter: No major change

Why

Held back by:

▼ Debt / equity

Compare with peers

Behind the score

Relative to sector peers: 0 = lower relative risk · 1 = moderate · 2 = higher. Based on leverage, beta and liquidity.

BetaUnavailable

Missing · left out of the score · no sector data, so not countedNot counted · remaining weights rescaledSector median: 0.5990 · MAD: 0.2460

Current ratio1.04×

SEC filings · latest balance sheetReported value33% base weight · Z-score -0.30Sector median: 1.1680 · MAD: 0.4090

Debt / equity1.04×

SEC filings · latest balance sheetReported value33% base weight · Z-score -1.00Sector median: 0.5425 · MAD: 0.4940

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Fiserv

Is Fiserv getting weaker?: Its latest SEC filing (Aug 7, 2026) got weaker in some ways: operating margin fell 3.0 points to 22.3%. Its overall score is unchanged at 60/100 since Oct 28, 2026.
How is Fiserv valued vs its peers?: Priced lower than most peers relative to what it earns. Valuation scores 98/100 against 170 miscellaneous peers. Free cash flow yield 14.2% vs a peer median of 1.6% (stronger than 81% of peers).Free cash flow yield 14.2% vs peers 1.6% (stronger than 81% of peers).
Is Fiserv growing?: More slowly than most of its peers. Growth scores 36/100 against 170 miscellaneous peers. Earnings per share growth -15.3% vs a peer median of 12.6% (weaker than 67% of peers).Earnings per share growth -15.3% vs peers 12.6% (weaker than 67% of peers).
How profitable is Fiserv?: More profitable than most of its peers. Profitability scores 72/100 against 170 miscellaneous peers. Operating margin 22.3% vs a peer median of 7.7% (stronger than 91% of peers).Operating margin 22.3% vs peers 7.7% (stronger than 91% of peers).
How risky is Fiserv?: Moderate risk relative to 170 miscellaneous peers, judged on debt, liquidity and share-price swings. Debt / equity 1.04× vs a peer median of 0.54× (weaker than 66% of peers).Debt / equity 1.04× vs peers 0.54× (weaker than 66% of peers). A relative measure, not a bankruptcy probability.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 7, 2026 · compared with the quarter ended Mar 31, 2026

Got weaker

Operating margin fell 3.0 points to 22.3%

	Previous quarter	Latest quarter	Change
Revenue (12 months)	21.1B USD	20.9B USD	−1.1%
Net income (12 months)	3.2B USD	2.8B USD	−12.5%
Operating margin	25.3%	22.3%	−3.0 pts
Free cash flow (12 months)	4.1B USD	3.9B USD	−4.9%
Debt	29.2B USD	27.9B USD	−4.4%
Cash	829.0M USD	627.0M USD	−24.4%
Shares outstanding	533.3M	531.8M	−0.3%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	14.1%	21.1%	26.3%	28.7%	27.5%	▼ 1.3 pts
Net margin	8.2%	14.3%	16.1%	15.3%	16.4%	▲ 1.1 pts
Return on assets (ROA)	1.7%	3.0%	3.4%	4.1%	4.3%	▲ 0.3 pts
Return on equity (ROE)	4.3%	8.2%	10.3%	11.6%	13.5%	▲ 1.9 pts
Free cash flow margin	17.7%	17.7%	19.8%	24.7%	20.3%	▼ 4.5 pts
Current ratio	1.03×	1.04×	1.04×	1.06×	1.03×	▼ 2.6%
Debt to equity	0.69×	0.70×	0.78×	0.92×	1.12×	▲ 22%
Interest coverage	3.29×	5.01×	4.99×	4.75×	3.80×	▼ 20%

FISV price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Strength: its shares are priced lower than most peers relative to what it earnspriced lower than peers for its earnings

Drawback: growing more slowly than most peersgrowing more slowly than peers

About average: risk (debt, liquidity and share-price swings)risk

Ranks #2 of 6 miscellaneous companies (top 34%)

Yahoo Finance doesn’t classify this company, so it is compared with other unclassified companies. That group mixes unrelated businesses, so its rankings are less meaningful than sector rankings.

See how it ranks against its peers

Worth knowing

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $14.9B in 2020 to $21.2B in 2025.

Fiserv's fiscal-year revenue rose in each of the five years to 2025, from $14.9B to $21.2B.

Profit is backed by cash. Free cash flow is 140% of reported profit.

Fiserv's free cash flow is 140% of its reported profit, so its earnings are turning into cash it can reinvest, pay out or use to reduce debt.

Wide margins. Operating margin 22% (12 months to Jun 2026) vs a peer median of 7.7%.Operating margin 22% vs peers 7.7%.

Fiserv keeps 22% of revenue as operating profit, more than 91% of peers (median 7.7%).

Questions investors ask about Fiserv

Is Fiserv getting weaker?

Its latest SEC filing (Aug 7, 2026) got weaker in some ways: operating margin fell 3.0 points to 22.3%. Its overall score is unchanged at 60/100 since Oct 28, 2026.

How is Fiserv valued vs its peers?

Priced lower than most peers relative to what it earns. Valuation scores 98/100 against 170 miscellaneous peers. Free cash flow yield 14.2% vs a peer median of 1.6% (stronger than 81% of peers).Free cash flow yield 14.2% vs peers 1.6% (stronger than 81% of peers).

Is Fiserv growing?

More slowly than most of its peers. Growth scores 36/100 against 170 miscellaneous peers. Earnings per share growth -15.3% vs a peer median of 12.6% (weaker than 67% of peers).Earnings per share growth -15.3% vs peers 12.6% (weaker than 67% of peers).

How profitable is Fiserv?

More profitable than most of its peers. Profitability scores 72/100 against 170 miscellaneous peers. Operating margin 22.3% vs a peer median of 7.7% (stronger than 91% of peers).Operating margin 22.3% vs peers 7.7% (stronger than 91% of peers).

How risky is Fiserv?

Moderate risk relative to 170 miscellaneous peers, judged on debt, liquidity and share-price swings. Debt / equity 1.04× vs a peer median of 0.54× (weaker than 66% of peers).Debt / equity 1.04× vs peers 0.54× (weaker than 66% of peers). A relative measure, not a bankruptcy probability.

Previous quarter

Latest quarter

Change

Revenue (12 months)

21.1B USD

20.9B USD

−1.1%

Net income (12 months)

3.2B USD

2.8B USD

−12.5%

Operating margin

25.3%

22.3%

−3.0 pts

Free cash flow (12 months)

4.1B USD

3.9B USD

−4.9%

Debt

29.2B USD

27.9B USD

−4.4%

Cash

829.0M USD

627.0M USD

−24.4%

Shares outstanding

533.3M

531.8M

−0.3%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

14.1%

21.1%

26.3%

28.7%

27.5%

▼ 1.3 pts

Net margin

8.2%

14.3%

16.1%

15.3%

16.4%

▲ 1.1 pts

Return on assets (ROA)

1.7%

3.0%

3.4%

4.1%

4.3%

▲ 0.3 pts

Return on equity (ROE)

4.3%

8.2%

10.3%

11.6%

13.5%

▲ 1.9 pts

Free cash flow margin

17.7%

19.8%

24.7%

20.3%

▼ 4.5 pts

Current ratio

1.03×

1.04×

1.06×

1.03×

▼ 2.6%

Debt to equity

0.69×

0.70×

0.78×

0.92×

1.12×

▲ 22%

Interest coverage

3.29×

5.01×

4.99×

4.75×

3.80×

▼ 20%