Fiserv, Inc. (FISV) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Fiserv, Inc. (FISV) Technology Profile & Competitive Position

Fiserv, Inc. delivers payment and financial technology solutions globally, operating through Acceptance, Fintech, and Payments segments. With a $26.1B market cap and a P/E ratio of 9.37, Fiserv provides point-of-sale systems, digital banking, and card processing services, competing with companies like Cognizant and Wipro.

What Is the Investment Thesis for FISV?

With a market capitalization of $26.1B and a P/E ratio of 9.37, the company demonstrates financial stability. A gross margin of 58.1% and a profit margin of 15.2% indicate efficient operations. Growth catalysts include the increasing adoption of digital payment solutions and the expansion of its Clover platform. However, potential risks include increasing competition and the need to adapt to evolving technological landscapes. Investors should monitor Fiserv's ability to maintain its market share and innovate in response to changing customer needs.

Based on FMP financials and quantitative analysis

FISV Key Highlights

Market Cap of $26.1B indicates a substantial market presence and investor confidence.

• P/E Ratio of 9.37 suggests the company may be undervalued compared to its earnings.
• Profit Margin of 15.2% demonstrates effective cost management and profitability.
• Gross Margin of 58.1% highlights the company's ability to generate revenue efficiently from its services.
• Beta of 0.79 suggests lower volatility compared to the overall market, potentially offering a more stable investment.

Who Are FISV's Competitors?

FISV is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance This table mixes two scoring engines — compare a number only with others carrying the same tag.

What Are FISV's Key Strengths?

Diverse service offerings across Acceptance, Fintech, and Payments segments.

• Established client base and long-standing relationships.
• Scalable technology platforms and infrastructure.
• Strong brand reputation in the financial technology industry.

What Are FISV's Weaknesses?

Dependence on the financial services industry, making it vulnerable to economic downturns.

• Potential for disruption from emerging fintech companies.
• Complexity of integrating acquired businesses and technologies.
• Exposure to cybersecurity risks and data breaches.

What Could Drive FISV Stock Higher?

Continued expansion of the Clover platform and its integration with other Fiserv services.

• Increasing adoption of digital payment solutions among businesses and consumers.
• Potential strategic partnerships with financial institutions and technology providers.
• Development and deployment of enhanced security and fraud protection products.
• Expansion into new international markets to diversify revenue streams.

What Are the Key Risks for FISV?

Financial-distress signal — its Altman Z-Score of 1.22 sits in the distress zone (elevated bankruptcy risk).

• Increasing competition from established players and emerging fintech companies.
• Evolving regulatory landscape and compliance requirements.
• Cybersecurity threats and data breaches.
• Economic downturns and reduced spending by financial institutions.
• Integration challenges with acquired businesses and technologies.

What Are the Growth Opportunities for FISV?

• Expansion of Clover Platform: Fiserv's Clover platform represents a significant growth opportunity in the point-of-sale (POS) market. The global POS market is projected to reach $128.57 billion by 2028. By expanding Clover's functionalities and integrating it with other Fiserv services, the company can attract more small and medium-sized businesses, increasing its market share and revenue. This expansion can be realized within the next 2-3 years.
• Digital Payment Solutions: The increasing adoption of digital payment solutions presents a substantial growth opportunity for Fiserv. The global digital payments market is expected to reach $10.5 trillion in 2026. Fiserv can capitalize on this trend by enhancing its digital payment offerings, including mobile payment services and security solutions, to meet the evolving needs of businesses and consumers. This growth is ongoing as digital payment adoption continues to rise.
• Strategic Partnerships: Forming strategic partnerships with financial institutions and technology providers can drive growth for Fiserv. By collaborating with other companies, Fiserv can expand its reach and offer integrated solutions to a broader customer base. These partnerships can lead to increased revenue and market share within the next 1-2 years as integrated solutions gain traction.
• International Expansion: Expanding into new international markets offers a significant growth opportunity for Fiserv. By entering emerging markets with high growth potential, Fiserv can diversify its revenue streams and reduce its reliance on domestic markets. This expansion requires careful planning and execution but can yield substantial returns over the next 3-5 years.
• Enhanced Security Solutions: With the increasing threat of cyberattacks and fraud, Fiserv can grow by offering enhanced security solutions. The global cybersecurity market is projected to reach $345.4 billion by 2026. Fiserv can invest in developing advanced security technologies and services to protect its clients from cyber threats, thereby increasing its value proposition and attracting new customers. This is an ongoing growth area as cyber threats continue to evolve.

What Are FISV's Competitive Advantages?

• Switching Costs: High switching costs for financial institutions due to the complexity and integration of Fiserv's systems.
• Scale: Significant scale and established infrastructure provide a competitive advantage.
• Brand Reputation: Strong brand reputation and long-standing relationships with clients.
• Network Effects: The Clover platform benefits from network effects as more businesses and customers join the ecosystem.

What Does FISV Do?

Fiserv, Inc., established in 1984 and headquartered in Brookfield, Wisconsin, is a global provider of payment and financial services technology. The company operates through three primary segments: Acceptance, Fintech, and Payments. The Acceptance segment offers point-of-sale merchant acquiring and digital commerce services, mobile payment solutions, and security products. Key offerings include Carat, an omnichannel commerce solution, and Clover, a cloud-based point-of-sale and business management platform. The Fintech segment provides solutions for customer deposit and loan accounts, managing general ledgers and central information files. This segment also offers digital banking, financial and risk management, and professional services. The Payments segment focuses on card transactions, including debit, credit, and prepaid card processing, security and fraud protection, and network services. Fiserv serves a diverse clientele, including businesses, banks, credit unions, other financial institutions, merchants, and corporate clients. With 38,000 employees, Fiserv has established a significant presence in the financial technology landscape, competing with companies like Cognizant Technology Solutions and Wipro Limited.

What Products and Services Does FISV Offer?

• Provides point-of-sale merchant acquiring and digital commerce services.
• Offers mobile payment services and security and fraud protection products.
• Delivers omnichannel commerce solutions through Carat.
• Provides a cloud-based point-of-sale and business management platform through Clover.
• Offers customer deposit and loan account management solutions.
• Manages institution's general ledger and central information files.
• Provides card transaction processing services, including debit, credit, and prepaid cards.
• Offers non-card digital payment software and services, including bill payment and account-to-account transfers.

How Does FISV Make Money?

• Generates revenue through transaction fees from payment processing services.
• Earns subscription fees from its software platforms like Clover and Carat.
• Provides professional services and consulting to financial institutions.
• Offers security and fraud protection products to businesses and financial institutions.

What Industry Does FISV Operate In?

Fiserv operates in the rapidly evolving information technology services industry, driven by increasing demand for digital payment solutions and financial technology. The market is characterized by intense competition and continuous innovation. Fiserv's position is supported by its diverse service offerings and established client base. The industry is experiencing growth due to the increasing adoption of digital banking and e-commerce, with companies like Cognizant Technology Solutions and Wipro Limited also vying for market share.

Who Are FISV's Key Customers?

• Businesses of all sizes, from small merchants to large corporations.
• Banks and credit unions.
• Other financial institutions.
• Merchants across various industries.

Company Profile

Fiserv, Inc. operates in the Information Technology Services industry within the Technology sector. It is headquartered in Milwaukee, US. The company is led by CEO Takis Georgakopoulos. FISV has traded publicly since 1986.

Fiserv, Inc. Financial Trajectory

Fiserv, Inc. (FISV) reported $5.29B in revenue for Q2 FY2026, reflecting 5.3% growth compared to the prior quarter. The company recorded net income of $627.0M, with diluted EPS of $1.17. Quarter-over-quarter revenue has been mixed, typical for a large-cap company operating in Technology. Across the four most recent quarters, FISV averaged $1.30 in diluted EPS.

How Fiserv, Inc. Is Valued

Fiserv, Inc. carries a market capitalization of $26.1B, placing it in the large-cap category. Analyst price targets span from $46.00 to $91.00, with a consensus of $62.46. At the current price of $48.93, that implies approximately 28% upside potential. Relative to its peer group, FISV's quantitative score of 59/100 is roughly in line with the peer average of 64/100.

Return on equity for Fiserv, Inc. stands at 12.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 4.0%, showing how much profit it generates from its asset base. FISV trades at a trailing price-to-earnings ratio of 9.37, below the Technology sector average of ~32.70x. Its free cash flow yield is 16.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.06 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 12.4%, the inverse of the P/E and a quick read on earnings relative to price.

Fiserv, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 1.22 places it in the distress zone, a signal of elevated financial risk.

Fiserv, Inc. has beaten Wall Street's EPS estimate in 6 of its last 8 reported quarters — a consistent record of delivering on expectations.

Over the past six months, Fiserv, Inc. insiders filed 40 SEC Form 4 transactions — 0 sales and 40 purchases. On net that is roughly 293K shares acquired (about $2.2M) — insiders putting money in tends to read as conviction.

FISV Financials

Next earnings report: Oct 28, 2026

FISV Latest News

FISV Analyst Consensus

FISV MoonshotScore

Latest Fiserv, Inc. Analysis

Common Questions About FISV (Technology)

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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