Fiserv, Inc. (FISV) AI Stock Analysis

Fiserv, Inc. is a global provider of payment and financial services technology solutions operating through three primary segments: Acceptance, Fintech, and Payments. The Acceptance segment delivers point-of-sale merchant acquiring and digital commerce services, featuring the Carat omnichannel commerce solution, the Clover cloud-based point-of-sale platform, and Clover Connect for independent software vendors. The Fintech segment manages customer deposit and loan accounts, general ledgers, central information files, and digital banking platforms. The Payments segment processes debit, credit, and prepaid card transactions, provides card production and network services, and facilitates non-card digital payment software such as bill payment and account-to-account transfers.

Fiserv expanded revenue from $16.23B in FY2021 to $21.19B in FY2025, achieving a 5-year revenue CAGR of 7.4%. Annual revenue growth moderated over this timeframe, moving from 9.3% in FY2021 and FY2022 to 7.6% in FY2023, 7.1% in FY2024, and 3.6% in FY2025. Gross margin expanded from 49.9% in FY2021 to 59.4% in FY2025, while operating margin rose from 14.1% to 26.9%. Over the same period, net income increased from $1.33B to $3.48B, with diluted EPS rising from $5.58 to $8.64. For the trailing twelve months ended June 30, 2026, reported revenue was $0 with an operating margin of 0.0% and EPS of $0.00.

As of June 30, 2026, Fiserv held $627.0M in cash and short-term investments alongside $27.89B in total debt, resulting in net debt of $27.26B. Total assets stood at $80.89B against shareholders' equity of $26.90B, yielding a current ratio of 1.04 and a debt-to-equity ratio of 1.04. In FY2025, the company generated $6.06B in operating cash flow and $4.30B in free cash flow. Capital allocation in FY2025 included $1.76B in capital expenditures and $5.90B in share buybacks, which contributed to a 19.3% reduction in share count over five years.

At a last close of $47.55, Fiserv trades at a trailing P/E of 9.1x and a forward P/E of 5.7x, both below the median of its S&P 500 Technology peers of 31.5x and 20.9x, respectively. The company has a price-to-sales multiple of 1.2x and an EV/EBITDA of 6.4x, compared to peer medians of 6.3x and 19.9x. Fiserv's market capitalization is $25.29B with an enterprise value of $52.23B. Over the past year, the stock has posted a return of -59.7% and a 5-year return of -56.7%, trailing the S&P 500's returns of 16.8% and 83.0% over the same intervals.

Wall Street analysts cover Fiserv with 4 Strong Buy, 2 Buy, 27 Hold, 2 Sell, and 1 Strong Sell recommendations. The mean price target is $58.15, which stands 22.3% above the last close of $47.55. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $19.62B and EPS of $7.24, representing an estimated EPS decline of 16.2%. Fiserv beat EPS estimates in 2 of the last 4 quarters, and its next earnings report is scheduled for November 3, 2026.

This page is an AI-written research summary of Fiserv, Inc. (FISV). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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