0.06%
5.17%
9.17%
32.08%
52.28%
104.39%
82.14%
AI Spotlight on FI
Company Description
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.Fiserv, Inc.
was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.
Market Data
| Last Price | 216.04 |
| Change Percentage | 0.06% |
| Open | 215.81 |
| Previous Close | 215.91 |
| Market Cap ( Millions) | 122909 |
| Volume | 1388701 |
| Year High | 223.23 |
| Year Low | 137.13 |
| M A 50 | 209.22 |
| M A 200 | 177.39 |
Financial Ratios
| FCF Yield | 3.70% |
| Dividend Yield | 0.00% |
| ROE | 10.69% |
| Debt / Equity | 91.51% |
| Net Debt / EBIDTA | 282.75% |
| Price To Book | 4.47 |
| Price Earnings Ratio | 40.46 |
| Price To FCF | 27.04 |
| Price To sales | 6.11 |
| EV / EBITDA | 16.85 |
News
- Jan -30 - A Quest That Has Translated Into New Investments
- Jan -29 - Fiserv Named a World's Most Admired Company for 2025
- Jan -29 - Fiserv (FI) Reports Next Week: Wall Street Expects Earnings Growth
- Jan -24 - 3 Reasons Why Growth Investors Shouldn't Overlook Fiserv (FI)
- Jan -23 - Fiserv Appoints PNC Veteran Michael Lyons as President and CEO-Elect
- Jan -22 - FI or DLO: Which Is the Better Value Stock Right Now?
- Jan -08 - Is Fiserv (FI) a Solid Growth Stock? 3 Reasons to Think "Yes"
- Jan -05 - 3 Top Tech Stocks That Could Make You a Millionaire
- Jan -03 - 5 Non-Tech Outperformers of 2024 Set to Fly Higher in the Near Term
- Dec -23 - Fintech firm Fiserv to buy Canada's Payfare
- Dec -23 - Payfare Enters into Definitive Agreement to be Acquired by Fiserv
- Dec -23 - Fiserv to Enhance its Embedded Finance Capability with Acquisition of Payfare Inc.
- Dec -19 - 5 Financial Transaction Stocks to Watch Amid Resilient Consumer Spending
- Dec -13 - Here's Why You Should Retain Fiserv Stock in Your Portfolio for Now
- Dec -11 - Fiserv and COCC Meet Tomorrow's Digital Banking Expectations
- Dec -10 - Fiserv, Inc. (FI) CEO Frank Bisignano Hosts Raymond James 2024 TMT & Consumer Conference (Transcript)
- Dec -06 - Fiserv: Favorable Macroeconomic Tailwinds Will Drive Steady Revenue Growth
- Dec -06 - Fiserv Publishes 2024 Thanksgiving Holiday Spending Insights
- Dec -05 - Fiserv to Host a Conference Call Today at 8:30 AM ET
- Dec -05 - Fiserv, Inc. (FI) UBS Global Technology and AI Conference (Transcript)
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Acceptance
Expected Growth : 10.38 %
What the company do ?
Acceptance from Fiserv, Inc. is a payment solution that enables businesses to accept various payment types, including credit/debit cards and digital payments.
Why we expect these perspectives ?
Fiserv's 10.38% growth driven by increasing adoption of digital payment solutions, expansion in e-commerce and online banking, strategic acquisitions, and growing demand for payment processing and merchant services. Additionally, the company's diversified revenue streams, strong brand recognition, and investments in innovation and technology also contribute to its growth momentum.
Segment n°2 -> Payments
Expected Growth : 10.5 %
What the company do ?
Payments from Fiserv, Inc. enables secure, efficient, and innovative payment processing solutions for businesses, facilitating transactions and commerce globally.
Why we expect these perspectives ?
Fiserv's 10.5% growth is driven by increasing adoption of digital payment solutions, expansion in e-commerce and online banking, and strategic acquisitions. Additionally, the company's focus on innovation, such as its cloud-based platforms and APIs, has enabled it to capitalize on the shift towards contactless payments and real-time transactions.
Segment n°3 -> Fintech
Expected Growth : 11.4 %
What the company do ?
Fintech from Fiserv, Inc. is a financial technology solution providing innovative payment, banking, and investment services to businesses and consumers.
Why we expect these perspectives ?
Fintech growth driven by increasing adoption of digital payments, rising demand for mobile banking, and expanding presence in emerging markets. Strategic partnerships, innovative products, and investments in AI-powered solutions also contribute to the 11.4% growth rate.
Segment n°4 -> Corporate and Other
Expected Growth : 5.4 %
What the company do ?
Corporate and Other from Fiserv, Inc. refers to the company's corporate expenses, interest income, and other non-operating income or expenses not attributed to its reportable segments.
Why we expect these perspectives ?
Fiserv's Corporate and Other segment growth of 5.4% is driven by increasing demand for digital payment solutions, expansion of merchant acquiring services, and strategic partnerships. Additionally, the company's investments in innovation and technology, such as cloud-based platforms and data analytics, are contributing to revenue growth.
Fiserv, Inc. Products
| Product Range | What is it ? |
|---|---|
| First Data Merchant Services | Payment processing solutions for merchants, including credit/debit card processing, online payment gateways, and point-of-sale solutions. |
| Fiserv Account Processing | Core banking and account processing solutions for financial institutions, including deposit, loan, and credit card processing. |
| Fiserv Bill Pay | Electronic bill payment solutions for financial institutions and billers, enabling customers to pay bills online or through mobile devices. |
| Fiserv Card Services | Card issuance and management solutions for financial institutions, including credit, debit, and prepaid card programs. |
| Fiserv Digital Channels | Digital banking and online banking solutions for financial institutions, enabling customers to manage accounts, pay bills, and transfer funds online. |
| Fiserv Lending Solutions | Loan origination and servicing solutions for financial institutions, including auto, mortgage, and consumer lending. |
| Fiserv Payment Solutions | Payment processing and settlement solutions for financial institutions, including ACH, wire transfer, and card processing. |
| Fiserv Risk and Compliance | Risk management and compliance solutions for financial institutions, including fraud detection, anti-money laundering, and know-your-customer solutions. |
Fiserv, Inc.'s Porter Forces
Threat Of Substitutes
Fiserv, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.
Bargaining Power Of Customers
Fiserv, Inc. has a large customer base, but the bargaining power of customers is high due to the availability of alternative financial technology solutions.
Bargaining Power Of Suppliers
Fiserv, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers, and the company's scale of operations also gives it negotiating power.
Threat Of New Entrants
The threat of new entrants in the financial technology industry is moderate, as there are barriers to entry such as regulatory hurdles and the need for significant investment in technology and infrastructure.
Intensity Of Rivalry
The financial technology industry is highly competitive, with many established players and new entrants vying for market share, leading to a high intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 43.31% |
| Debt Cost | 5.13% |
| Equity Weight | 56.69% |
| Equity Cost | 8.56% |
| WACC | 7.08% |
| Leverage | 76.38% |
Fiserv, Inc. : Quality Control
Fiserv, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CTSH | Cognizant Technology Solutions Corporation, a professional services company, provides consulting and technology, and outsourcing services in North America, Europe, and internationally. It operates through four segments: Financial Services; Healthcare; Products … |
| IT | Gartner, Inc. operates as a research and advisory company in the United States, Canada, Europe, the Middle East, Africa, and internationally. It operates through three segments: Research, Conferences, and Consulting. … |
| FIS | Fidelity National Information Services, Inc. provides technology solutions for merchants, banks, and capital markets firms worldwide. It operates through Merchant Solutions, Banking Solutions, and Capital Market Solutions segments. The Merchant … |
| IBM | International Business Machines Corporation provides integrated solutions and services worldwide. The company operates through four business segments: Software, Consulting, Infrastructure, and Financing. The Software segment offers hybrid cloud platform and … |
| BR | Broadridge Financial Solutions, Inc. provides investor communications and technology-driven solutions for the financial services industry. The company's Investor Communication Solutions segment processes and distributes proxy materials to investors in equity … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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IBM
A-Score
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Fiserv
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Cognizant
A-Score
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4
Broadridge Financial Solutions
A-Score
1-Year Total Return ->
5
Gartner
A-Score
1-Year Total Return ->
6
