Fiserv Inc (FISV)
Fiserv, 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. The company was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.
- Symbol
- FISV
- Exchange
- Nasdaq
- Sector
- Services
- Industry
- Services-Business Services, NEC
- Market cap
- $28.08B
- CEO
- Frank J. Bisignano
- 52 week range
- 47.04 - 138.62
Valuation
- Share price
- $51.98
- P/E (TTM)
- 10.08x
- Price to book
- 1.04x
- Price to free cash flow
- 7.15x
- Enterprise value
- $55.49B
- Discounted cash flow
- $170.94
- Book value per share
- $50.56
Price performance
| Period | Change |
|---|
| 1 day | +0.60% |
| 5 days | -0.90% |
| 1 month | -3.63% |
| 3 months | -7.93% |
| 6 months | -15.96% |
| Year to date | -22.61% |
| 1 year | -62.00% |
| 3 years | -57.67% |
| 5 years | -55.12% |
| 10 years | -0.36% |
| All time | +18464.29% |
Profitability and growth
- Return on equity
- 13.48%
- Return on invested capital
- 9.25%
- Return on assets
- 4.34%
- Return on capital employed
- 10.34%
- Gross margin
- 59.93%
- Net margin
- 16.42%
- EBITDA margin
- 30.61%
- Revenue growth
- 3.60%
- Net income growth
- 11.15%
- Free cash flow growth
- -15.07%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- 13.98%
- Current ratio
- 1.04x
- Net debt to EBITDA
- 3.38x
Latest reported year
- Period end
- 2025-12-31
- Fiscal year
- 2025
- Revenue
- $21.19B
- Cost of revenue
- $8.49B
- Gross profit
- $12.70B
- EBITDA
- $6.49B
- Net income
- $3.48B
- Earnings per share
- $6.36
- Shares outstanding
- 547.10M
Income statement by year
| Period end | Revenue | Gross profit | Net income | EPS |
|---|
| 2025-12-31 | $21.19B | $12.70B | $3.48B | $6.36 |
| 2024-12-31 | $20.46B | $12.44B | $3.13B | $5.41 |
| 2023-12-31 | $19.09B | $11.59B | $3.07B | $5.02 |
| 2022-12-31 | $17.74B | $9.80B | $2.53B | $3.94 |
| 2021-12-31 | $16.23B | $8.10B | $1.33B | $2.01 |
| 2020-12-31 | $14.85B | $7.50B | $958.00M | $1.42 |
| 2019-12-31 | $10.19B | $4.89B | $893.00M | $1.74 |
| 2018-12-31 | $5.82B | $5.08B | $1.19B | $2.93 |
| 2017-12-31 | $5.70B | $4.96B | $1.25B | $2.95 |
| 2016-12-31 | $5.50B | $4.76B | $930.00M | $2.11 |
Margins and returns by year
| Period end | Gross margin | Net margin | Return on equity | Return on capital |
|---|
| 2025-12-31 | 59.93% | 16.42% | 13.48% | 9.25% |
| 2024-12-31 | 60.83% | 15.31% | 11.31% | 10.19% |
| 2023-12-31 | 60.70% | 16.07% | 10.06% | 8.11% |
| 2022-12-31 | 55.25% | 14.26% | 8.02% | 6.11% |
| 2021-12-31 | 49.91% | 8.22% | 4.21% | 5.92% |
| 2020-12-31 | 50.53% | 6.45% | 2.90% | 4.94% |
| 2019-12-31 | 48.03% | 8.77% | 2.58% | 4.04% |
| 2018-12-31 | 87.21% | 20.38% | 51.77% | 59.86% |
| 2017-12-31 | 87.13% | 21.88% | 45.62% | 50.31% |
| 2016-12-31 | 86.43% | 16.89% | 36.60% | 37.50% |
Cash and debt by year
| Period end | Cash |
|---|
| 2025-12-31 | $798.00M |
| 2024-12-31 | $1.24B |
| 2023-12-31 | $1.20B |
| 2022-12-31 | $902.00M |
| 2021-12-31 | $835.00M |
| 2020-12-31 | $906.00M |
| 2019-12-31 | $893.00M |
Free cash flow by year
| Period end | Free cash flow | Stock-based compensation |
|---|
| 2025-12-31 | $4.30B | $357.00M |
| 2024-12-31 | $5.06B | $367.00M |
| 2023-12-31 | $3.77B | $342.00M |
| 2022-12-31 | $3.14B | $323.00M |
| 2021-12-31 | $2.87B | $239.00M |
| 2020-12-31 | $3.25B | $369.00M |
| 2019-12-31 | $2.07B | $229.00M |
| 2018-12-31 | $1.19B | $73.00M |
| 2017-12-31 | $1.20B | $63.00M |
| 2016-12-31 | $1.14B | $68.00M |
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|
| 2026-08-06 | Jun/2026 | $1.89 |
| 2026-05-05 | - | - |
| 2026-02-10 | - | - |
| 2025-10-29 | - | - |
| 2025-07-23 | - | - |
| 2025-04-24 | - | - |
| 2025-02-05 | - | - |
| 2024-10-22 | - | - |
Understanding these figures
Price-to-earnings ratio · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross, operating and net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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