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FISVFiserv, Inc.
$51.78$27.7B
Overview & Verdict
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FISV logoFiserv, Inc.(FISV)Earnings, Financials & Key Ratios

FISV•NASDAQ
$51.78
8.2× P/E·Price updated Jul 6, 2026
SectorTechnologyIndustryIT ServicesSub-IndustryPayments Processing and Fintech Services
AboutFiserv, 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. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.Show more
  • Revenue$21.19B+3.6%
  • EBITDA$8.86B-1.3%
  • Net Income$3.48B+11.1%
  • EPS (Diluted)6.34+17.8%
  • Gross Margin59.36%-2.4%
  • EBITDA Margin41.8%-4.7%
  • Operating Margin26.89%-6.4%
  • Net Margin16.42%+7.3%
  • ROE13.01%+21.2%

FISV Price & Volume

Fiserv, Inc. (FISV) stock price & volume — 10-year historical chart

Loading chart...

Revenue Contraction Challenges Fiserv Operational Margin Stability

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Decelerating
Profitability:Moderate
Financial:Vulnerable
Cash Flow:Deteriorating
Primary Risk:Elevated leverage and goodwill

Key Thesis Takeaways

  • Fiserv faces a critical inflection point as top-line growth shifted to a 2.0% contraction in 2026Q1, signaling potential structural vulnerabilities in its legacy business model.
  • While the company maintains a significant $37.6 billion goodwill position, the erosion of the equity base to $26.2 billion and rising debt-to-equity ratios suggest limited strategic flexibility.
  • Investors should monitor the decoupling of reported net income from cash generation, as the recent collapse in free cash flow margins warrants significant caution regarding the sustainability of current capital allocation strategies.

Verdict Logic

the company's inability to maintain positive free cash flow in 2026Q1, combined with a 29.1% drop in EPS, suggests that the current valuation may not fully account for the underlying deterioration in operational performance.

FISV Growth Metrics

Fiserv, Inc. (FISV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.97%
5 Years7.37%
3 Years6.11%
TTM1.87%

Profit CAGR

10 Years17.2%
5 Years29.43%
3 Years11.21%
TTM-1.45%

EPS CAGR

10 Years15.5%
5 Years35.27%
3 Years17.58%
TTM4.24%

Return on Capital

10 Years10.45%
5 Years7.97%
3 Years9.82%
Last Year10.24%

FISV Recent Earnings

Fiserv, Inc. (FISV) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 5, 2026
Metric
Actual
Est
EPS
$1.79+14.0%
$1.57
Rev
$4.7B-1.1%
$4.7B
Q1 2026
Feb 10, 2026
Metric
Actual
Est
EPS
$1.99+4.7%
$1.90
Rev
$4.9B-0.1%
$4.9B
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$2.04-22.7%
$2.64
Rev
$5.3B-1.5%
$5.3B
Q3 2025
Jul 23, 2025
Metric
Actual
Est
EPS
$2.47+1.6%
$2.43
Rev
$5.5B+6.2%
$5.2B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 5, 2026
$1.79vs $1.57+14.0%
$4.7Bvs $4.7B-1.1%
Q1 2026Feb 10, 2026
$1.99vs $1.90+4.7%
$4.9Bvs $4.9B-0.1%
Q4 2025Oct 29, 2025
$2.04vs $2.64-22.7%
$5.3Bvs $5.3B-1.5%
Q3 2025Jul 23, 2025
$2.47vs $2.43+1.6%
$5.5Bvs $5.2B+6.2%
Based on last 12 quarters of dataView full earnings history →

Latest FISV News

Recent stock market news and headlines for Fiserv, Inc. (FISV)

Seeking Alpha·1 day ago
Fiserv And Lululemon Lessons Revisited: 5 Popular Stocks With Quant Sell Ratings

The Quant system has a back-tested history of significant outperformance compared to the S&P 500 and Wall Street analysts – proven outperformance that has worked on the buy and sell. This article explains how Seeking Alpha's Quant Sell ratings have historically helped investors avoid underperforming stocks while identifying companies facing continued downside risk. Revisit two previous stock crashes that followed Quant Sell ratings and examine three popular stocks whose slowing fundamentals warrant increased investor caution.

GlobeNewsWire·1 day ago
Small Business Sales Grow on Higher Tickets and Retail Rebound, Fiserv Data Shows

MILWAUKEE, July 06, 2026 (GLOBE NEWSWIRE) -- Fiserv, Inc. (NASDAQ: FISV), a leading global provider of payments and financial services technology, has published the Fiserv Small Business Index for June 2026. The monthly index of consumer spending at small businesses indicates steady short-term expansion, with both nominal sales and transaction volume increasing.

Reuters·4 days ago
Fiserv, service station operators including BP warn US stores on illegal vapes

Payments platform Fiserv and service station operators including BP have warned their U.S. partners and store owners not to deal in illegal vapes or ​risk heavy fines as a consequence, notices seen by Reuters show.

247 Wallst·Jun 29, 2026
Stock Market Live June 29, 2026: S&P 500 (SPY) Soaring in Holiday-Shortened Week

Live Updates Act now: the analyst who called NVIDIA in 2010 just named his top 10 AI stocks - and Comcast didn't make the cut. Grab the names FREE today. Insider Buying: Fiserv Insiders Buying Stock After CEO Exit 36 minutes ago Live Over the last few days, Fiserv (NASDAQ: FISV) CEO Mike Lyons stepped... Stock Market Live June 29, 2026: S&P 500 (SPY) Soaring in Holiday-Shortened Week

Barrons·Jun 26, 2026
Fiserv Insiders Load Up on Stock After CEO's Exit

Shares of the fintech are sliding in the wake of its former CEO's exit, and top executives are buying.

Peers Comparison

Key metrics vs top competitors for Fiserv, Inc. (FISV)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
FISV logoFISVFiserv, Inc.Current
$51.78$27.69B8.173.6%16.42%13.01%—
FIS logoFISFidelity National Information Services, Inc.
$41.27$21.33B55.035.43%22.91%18.45%—
GPN logoGPNGlobal Payments Inc.
$77.41$18.32B13.28-23.75%-7.99%-2.96%—
JKHY logoJKHYJack Henry & Associates, Inc.
$146.38$10.59B23.467.21%20.64%24.03%—
V logoVVisa Inc.
$357.25$685.37B35.0211.34%51.68%58.9%—
MA logoMAMastercard Incorporated
$533.10$471.91B32.2716.42%45.88%205.79%—

Compare FISV vs Peers

Fiserv, Inc. (FISV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FIS

Most directly comparable listed peer for FISV.

Scale Benchmark

vs JPM

Larger-name benchmark to compare FISV against a more recognizable public peer.

Peer Set

Compare Top 5

vs FIS, GPN, JKHY, V

FISV SEC Filings & Documents

Fiserv, Inc. (FISV) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Feb 20, 2026·SEC

Material company update

Feb 10, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 19, 2026·SEC

FY 2025

Feb 20, 2025·SEC

10-Q Quarterly Reports

4
FY 2026

May 6, 2026·SEC

FY 2025

Oct 30, 2025·SEC

FY 2025

Jul 24, 2025·SEC

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FISV Frequently Asked Questions

Fiserv, Inc. (FISV) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Fiserv, Inc.'s revenue?

Fiserv, Inc. (FISV) reported $21.09B in revenue for fiscal year 2025. This represents a 2298% increase from $879.4M in 1996.

How fast is Fiserv, Inc. growing?

Fiserv, Inc. (FISV) grew revenue by 3.6% over the past year. Growth has been modest.

Is FISV profitable?

Yes, Fiserv, Inc. (FISV) is profitable, generating $3.20B in net income for fiscal year 2025 (16.4% net margin).

Dividend & Returns
What is FISV's return on equity?

Fiserv, Inc. (FISV) has a return on equity (ROE) of 13.0%. This is reasonable for most industries.

What is Fiserv, Inc.'s free cash flow?

Fiserv, Inc. (FISV) generated $4.01B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in FISV back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →