FISV Fiserv Inc

Fiserv is a global financial technology company providing payments processing, banking software, and merchant services to financial institutions and businesses. Sector: Technology.

Fiserv Inc (FISV) is an individual stock. The analysis below presents key financial metrics for the company, covering profitability, capital efficiency, valuation, margins, and growth.

From a capital efficiency perspective, ROIC is 7.29%, WACC is 6.86%, and the economic spread is 0.42%. On balance, the company marginally exceed their cost of capital, suggesting modest but present value creation. Supporting metrics show ROE at 13.27% and ROA at 4.45%, a combination that helps frame whether profitability strength is broad enough to hold through different market conditions. Taken together, the return profile suggests a company that is value-creative but with less room for execution slippage.

Valuation currently screens at trailing P/E of 8.86, forward P/E of 6.81, PEG of 0.66. Trailing and forward P/E are close together, implying the market does not expect a significant change in the earnings trajectory over the near term. A PEG below 1.5 implies the company's growth rate is not fully reflected in the current multiple — a constructive signal for growth-adjusted value. At 1.03, the aggregate current ratio reflects the company with limited near-term liquidity buffer. The valuation profile here is neither obviously cheap nor dramatically expensive — a setup where the return case is built more on earnings delivery than on re-rating potential.

On the margin front: gross margin sits at 59.36%, operating margin at 26.89%, and free cash flow margin at 20.28%. At this level, the company reflects reasonable cost discipline and adequate pricing leverage at the production layer. Operating margins sit in a healthy range — not exceptional, but indicating reasonable operational efficiency. Strong free cash flow margins point to businesses with meaningful financial flexibility and limited dependence on external capital. This margin set supports the view that earnings quality is high and cash generation is not merely accounting-driven.

The two main inputs to the near-term picture — TTM revenue growth of 0.63% indicating muted but still positive top-line momentum across the company. Consensus EPS estimates point to 30.1% earnings growth over the next 12 months — a compelling near-term earnings catalyst that, if delivered, changes the valuation conversation materially. Analyst price targets suggest street expectations point to meaningful upside if execution holds on a 12-month view. Revenue momentum establishes the baseline; analyst price targets reveal how much the market is already paying for future execution on top of that baseline. Delivered returns will ultimately be shaped by the gap — or lack thereof — between operating execution and the expectations embedded in current prices. The estimated 12-month price change is based on analyst consensus price target estimates, sourced from publicly available data, and should not be interpreted as a reliable prediction of future performance.

Across the metrics reviewed, the evidence is consistently constructive — quality, growth, and valuation are pulling in the same direction.

This summary is based on publicly available quantitative data and is not intended as investment advice. Carefully consider your personal financial circumstances before making any decisions.