Stocks · Technology · Information Technology Services
Fiserv, Inc. FISV
$44.36 -2.25% Close, Oct 2, 2026 · NASDAQ · Market cap $23.66B
Weak trendInexpensive vs sector
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 8.5× trailing earnings, the shares trade at the lowest P/E of the company's past five years.
- Over the past year the stock returned -64.8%, behind the S&P 500 by 79.9 percentage points.
- Operating margin narrowed to 21.4% from 30.1% a year earlier.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 15%
- EPS growth (TTM, YoY)Bottom 29%
- FCF growth (TTM, YoY)Bottom 18%
- Revenue growth, 3-year CAGRBottom 49%
- Revenue growth accelerationBottom 19%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 42%
- Gross marginBottom 46%
- Operating marginTop 14%
- Cash conversion (OCF / net income)Top 37%
- Accruals (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Bottom 10%
- Interest coverBottom 47%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 2%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 6%
- Sales / enterprise valueTop 33%
- P/E vs own 5-year history (lower is better)Top 5%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 5%
- 6-month returnBottom 11%
- 1-year return vs S&P 500Bottom 3%
- Distance from 52-week highBottom 8%
- Trend checklist (0–4)Bottom 10%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 22%
- Consecutive EPS beatsBottom 12%
- Share of analysts rating BuyBottom 34%
- Upside to consensus price targetTop 38%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 12%
- Maximum drawdown, 3 yearsBottom 13%
- Beta vs S&P 500 (lower is better)Top 3%
- Net debt / EBITDA (lower is better)Bottom 10%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.9% | -1.2% | ↓ |
| EPS growth (YoY) | 4.2% | -13.0% | ↓ |
| Gross margin | 61.1% | 47.2% | ↓ |
| Operating margin | 30.1% | 21.4% | ↓ |
| FCF margin | 24.4% | 18.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -1.2% | 1.9% | ↓ | Bottom 15% |
| EPS growth (TTM, YoY) | -13.0% | 4.2% | ↓ | Bottom 29% |
| Gross margin | 47.2% | 61.1% | ↓ | Bottom 46% |
| Operating margin | 21.4% | 30.1% | ↓ | Top 14% |
| Net margin | 13.4% | 16.0% | ↓ | — |
| Free-cash-flow margin | 18.8% | 24.4% | ↓ | — |
| Return on invested capital | 6.5% | — | Top 42% | |
| Revenue growth, 3-year CAGR | 6.1% | — | Bottom 49% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -3.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -9.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 3.96×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 6.78%
- Shareholder yield
- 6.78%
- Share count change, 1 year
- -3.0%
- Share count change, 3-year CAGR
- -4.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- -1.9%
- Average 2-day reaction, last 8
- -9.1%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $62.46
- Target vs current price
- +40.8%
- Analysts with a rating
- 61
- Share rating Buy or Strong Buy
- 54%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 6, 2026 | -3.7% | +0.0% | -4.7% | -3.9% | — |
| May 5, 2026 | +14.0% | -8.8% | -13.4% | -10.1% | -13.9% |
| Feb 10, 2026 | +4.7% | +4.1% | +5.5% | -1.1% | -6.7% |
| Oct 29, 2025 | -22.7% | -44.0% | -48.9% | -51.8% | -46.8% |
| Jul 23, 2025 | +1.6% | -13.8% | -14.1% | -16.2% | -27.0% |
| Apr 24, 2025 | +2.9% | -18.5% | -15.0% | -25.3% | -23.8% |
| Feb 5, 2025 | +1.2% | +7.1% | +7.3% | +5.5% | -14.6% |
| Oct 22, 2024 | +1.8% | +1.3% | +2.2% | +7.9% | +5.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 6, 2026 | $1.84 | $1.91 | -3.7% | $4.96B |
| May 5, 2026 | $1.79 | $1.57 | +14.0% | $4.67B |
| Feb 10, 2026 | $1.99 | $1.90 | +4.7% | $4.90B |
| Oct 29, 2025 | $2.04 | $2.64 | -22.7% | $5.26B |
| Jul 23, 2025 | $2.47 | $2.43 | +1.6% | $5.52B |
| Apr 24, 2025 | $2.14 | $2.08 | +2.9% | $5.13B |
| Feb 5, 2025 | $2.51 | $2.48 | +1.2% | $5.25B |
| Oct 22, 2024 | $2.30 | $2.26 | +1.8% | $5.21B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.5× | 28.9× | 0th | Top 2% |
| P/E (forward) | 6.1× | — | — | — |
| EV / EBITDA | 7.4× | — | — | Top 6% |
| EV / Sales | 2.44× | — | — | Top 33% |
| Free-cash-flow yield | 16.60% | — | — | Top 5% |
| Earnings yield | 11.74% | — | — | Top 2% |
P/E over the past five years
Range 9.5× – 66.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -64.8%
- Earnings per share growth (TTM)
- -13.0%
- Change in P/E multiple
- -57.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -2.1%
- 200-day average slope (20 days)
- -2.8%
- Distance from 50-day average
- -13.0%
- Distance from 200-day average
- -21.8%
- RSI (14)
- 29.2
- Relative volume
- 0.84×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 36.5%
- Volatility vs own 5-year history
- 73th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.49
- Correlation with S&P 500
- 0.16
- Current drawdown from 1-year high
- -65.2%
- Maximum drawdown, 3 years
- -81.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 3, 2025 | Oct 2, 2026 | -81.3% | 399 days | Not yet recovered |
| Apr 26, 2021 | Jun 16, 2022 | -30.2% | 289 days | 265 days (Jul 10, 2023) |
| Jul 25, 2023 | Oct 23, 2023 | -15.7% | 63 days | 27 days (Nov 30, 2023) |
| Dec 8, 2020 | Jan 29, 2021 | -13.0% | 35 days | 17 days (Feb 24, 2021) |
| Oct 12, 2020 | Oct 28, 2020 | -12.3% | 12 days | 8 days (Nov 9, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $23.66B
- P/E (TTM)
- 8.5
- EPS, diluted (TTM)
- $5.21
- Revenue (TTM)
- $20.87B
- 52-week range
- $43.87 – $129.85
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $16.23B | $17.74B | $19.09B | $20.46B | $21.19B |
| Gross profit | $8.10B | $9.74B | $11.42B | $12.44B | $12.58B |
| Operating income | $2.29B | $3.74B | $5.01B | $5.88B | $5.70B |
| Net income | $1.33B | $2.53B | $3.07B | $3.13B | $3.48B |
| EPS (diluted) | $1.99 | $3.90 | $4.98 | $5.38 | $6.34 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.21B | $5.25B | $5.13B | $5.52B | $5.26B | $5.28B | $5.03B | $5.29B |
| Net income | $564.0M | $938.0M | $851.0M | $1.03B | $792.0M | $811.0M | $571.0M | $627.0M |
| EPS (diluted) | $0.98 | $1.64 | $1.51 | $1.86 | $1.46 | $1.51 | $1.07 | $1.17 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $4.03B | $4.62B | $5.16B | $6.63B | $6.06B |
| Capital expenditure | -$1.16B | -$1.48B | -$1.39B | -$1.57B | -$1.76B |
| Free cash flow | $2.87B | $3.14B | $3.77B | $5.06B | $4.30B |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | -$2.65B | -$2.53B | -$4.73B | -$5.74B | -$5.84B |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $627.0M
- Total assets
- $80.89B
- Total liabilities
- $53.96B
- Total debt
- $27.89B
- Net debt
- $27.26B
- Shareholders’ equity
- $26.90B
As of Jun 30, 2026 (filed Aug 7, 2026).
Short interest
- Shares sold short
- 30,030,691
- Days to cover
- 3.96
- Change vs previous report
- -9.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 20, 2018
- 2-for-1
- Dec 17, 2013
- 2-for-1
- Sep 4, 2001
- 3-for-2
- May 3, 1999
- 3-for-2
- Jun 1, 1998
- 3-for-2