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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry
vs
history
Cash to Debt 0.11
FISV's Cash to Debt is ranked lower than
60% of the 1007 Companies
in the Global Business Services industry.

( Industry Median: 1.04 vs. FISV: 0.11 )
FISV' s 10-Year Cash to Debt Range
Min: 0.05   Max: 5.48
Current: 0.11

0.05
5.48
Equity to Asset 0.37
FISV's Equity to Asset is ranked higher than
53% of the 988 Companies
in the Global Business Services industry.

( Industry Median: 0.47 vs. FISV: 0.37 )
FISV' s 10-Year Equity to Asset Range
Min: 0.18   Max: 0.43
Current: 0.37

0.18
0.43
Interest Coverage 6.47
FISV's Interest Coverage is ranked higher than
50% of the 710 Companies
in the Global Business Services industry.

( Industry Median: 19.86 vs. FISV: 6.47 )
FISV' s 10-Year Interest Coverage Range
Min: 3.49   Max: 26.49
Current: 6.47

3.49
26.49
F-Score: 7
Z-Score: 3.74
M-Score: -2.71
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 9/10

vs
industry
vs
history
Operating margin (%) 23.74
FISV's Operating margin (%) is ranked higher than
93% of the 1004 Companies
in the Global Business Services industry.

( Industry Median: 6.92 vs. FISV: 23.74 )
FISV' s 10-Year Operating margin (%) Range
Min: -12.24   Max: 24.36
Current: 23.74

-12.24
24.36
Net-margin (%) 15.84
FISV's Net-margin (%) is ranked higher than
89% of the 1004 Companies
in the Global Business Services industry.

( Industry Median: 4.44 vs. FISV: 15.84 )
FISV' s 10-Year Net-margin (%) Range
Min: -8.52   Max: 15.92
Current: 15.84

-8.52
15.92
ROE (%) 22.78
FISV's ROE (%) is ranked higher than
88% of the 972 Companies
in the Global Business Services industry.

( Industry Median: 10.51 vs. FISV: 22.78 )
FISV' s 10-Year ROE (%) Range
Min: -15.26   Max: 22.49
Current: 22.78

-15.26
22.49
ROA (%) 8.40
FISV's ROA (%) is ranked higher than
81% of the 1017 Companies
in the Global Business Services industry.

( Industry Median: 4.32 vs. FISV: 8.40 )
FISV' s 10-Year ROA (%) Range
Min: -3.63   Max: 7.32
Current: 8.4

-3.63
7.32
ROC (Joel Greenblatt) (%) 421.09
FISV's ROC (Joel Greenblatt) (%) is ranked higher than
95% of the 1014 Companies
in the Global Business Services industry.

( Industry Median: 31.44 vs. FISV: 421.09 )
FISV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -52.81   Max: 414.23
Current: 421.09

-52.81
414.23
Revenue Growth (%) 9.90
FISV's Revenue Growth (%) is ranked higher than
80% of the 845 Companies
in the Global Business Services industry.

( Industry Median: 5.70 vs. FISV: 9.90 )
FISV' s 10-Year Revenue Growth (%) Range
Min: 2.3   Max: 20.6
Current: 9.9

2.3
20.6
EBITDA Growth (%) 8.00
FISV's EBITDA Growth (%) is ranked higher than
71% of the 704 Companies
in the Global Business Services industry.

( Industry Median: 7.70 vs. FISV: 8.00 )
FISV' s 10-Year EBITDA Growth (%) Range
Min: 4.7   Max: 25.3
Current: 8

4.7
25.3
EPS Growth (%) 13.50
FISV's EPS Growth (%) is ranked higher than
76% of the 667 Companies
in the Global Business Services industry.

( Industry Median: 6.90 vs. FISV: 13.50 )
FISV' s 10-Year EPS Growth (%) Range
Min: -2.6   Max: 24.4
Current: 13.5

-2.6
24.4
» FISV's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2013

FISV Guru Trades in Q3 2013

Caxton Associates 98,500 sh (New)
Steven Cohen 47,669 sh (+1598.22%)
Bill Frels 960,386 sh (+102.09%)
Jeremy Grantham 20,700 sh (+27.78%)
Chuck Royce 31,170 sh (+5.91%)
Murray Stahl 3,000 sh (unchged)
Glenn Greenberg Sold Out
Lou Simpson Sold Out
Pioneer Investments 461,341 sh (-1.39%)
Scott Black 16,867 sh (-24.04%)
» More
Q4 2013

FISV Guru Trades in Q4 2013

Jeremy Grantham 90,112 sh (+117.66%)
Murray Stahl Sold Out
Pioneer Investments 921,994 sh (-0.07%)
Bill Frels 1,913,592 sh (-0.37%)
Scott Black 32,944 sh (-2.34%)
Chuck Royce 58,340 sh (-6.42%)
Caxton Associates 71,530 sh (-63.69%)
Steven Cohen 19,495 sh (-79.55%)
» More
Q1 2014

FISV Guru Trades in Q1 2014

Ray Dalio 17,868 sh (New)
Steven Cohen 50,660 sh (+159.86%)
Chuck Royce 58,340 sh (unchged)
Caxton Associates Sold Out
Scott Black Sold Out
Bill Frels 1,904,432 sh (-0.48%)
Pioneer Investments 916,693 sh (-0.57%)
Jeremy Grantham 53,100 sh (-41.07%)
» More
Q2 2014

FISV Guru Trades in Q2 2014

Caxton Associates 10,000 sh (New)
Jim Simons 328,404 sh (New)
Joel Greenblatt 4,921 sh (New)
Chuck Royce 58,340 sh (unchged)
Ray Dalio Sold Out
Jeremy Grantham Sold Out
Pioneer Investments 910,599 sh (-0.66%)
Bill Frels 1,852,325 sh (-2.74%)
» More
» Details

Insider Trades

Latest Guru Trades with FISV

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ray Dalio 2014-06-30 Sold Out 0.01%$55.05 - $61.74 $ 69.4817%0
Joel Greenblatt 2014-06-30 New Buy$55.05 - $61.74 $ 69.4817%4921
Scott Black 2014-03-31 Sold Out 0.21%$54.4 - $59.18 $ 69.4821%0
Ray Dalio 2014-03-31 New Buy0.01%$54.4 - $59.18 $ 69.4821%17868
Glenn Greenberg 2013-09-30 Sold Out 4.5%$43.43 - $51.48 $ 69.4844%0
Lou Simpson 2013-09-30 Sold Out 2.7%$43.43 - $51.48 $ 69.4844%0
Scott Black 2013-09-30 Reduce -24.04%0.06%$43.43 - $51.48 $ 69.4844%16867
Lou Simpson 2013-06-30 Reduce -53.98%3.35%$42.42 - $45.56 $ 69.4858%515567
Glenn Greenberg 2013-06-30 Reduce -22.01%1.47%$42.42 - $45.56 $ 69.4858%1122181
Joel Greenblatt 2013-06-30 Sold Out 0.02%$42.42 - $45.56 $ 69.4858%0
Glenn Greenberg 2013-03-31 Add 1.97%0.13%$39.52 - $43.93 $ 69.4869%1438902
Joel Greenblatt 2013-03-31 New Buy0.02%$39.52 - $43.93 $ 69.4869%3329
Lou Simpson 2012-12-31 Reduce -33.48%3.58%$36.29 - $40.56 $ 69.4882%1121321
Glenn Greenberg 2012-09-30 Reduce -24.16%2.78%$34.1 - $37.09 $ 69.4895%1711082
Lou Simpson 2012-09-30 Add 7.75%0.77%$34.1 - $37.09 $ 69.4895%1685810
Glenn Greenberg 2012-06-30 Add 10.05%1.05%$32.4 - $35.66 $ 69.48103%2256236
David Dreman 2012-06-30 Sold Out 0.07%$32.4 - $35.66 $ 69.48103%0
Ray Dalio 2012-06-30 Sold Out 0.05%$32.4 - $35.66 $ 69.48103%0
Joel Greenblatt 2012-06-30 Sold Out 0.03%$32.4 - $35.66 $ 69.48103%0
Ray Dalio 2012-03-31 Add 1084.72%0.04%$29.07 - $34.98 $ 69.48127%41394
Joel Greenblatt 2012-03-31 New Buy0.03%$29.07 - $34.98 $ 69.48127%4387
Ray Dalio 2011-12-31 Reduce -96.66%0.08%$25.11 - $30.58 $ 69.48144%3494
Joel Greenblatt 2011-12-31 Sold Out 0.04%$25.11 - $30.58 $ 69.48144%0
Ray Dalio 2011-09-30 Add 1847.7%0.08%$24.75 - $32.61 $ 69.48147%104494
Joel Greenblatt 2011-09-30 New Buy0.04%$24.75 - $32.61 $ 69.48146%4328
Premium More recent guru trades are included for Premium Members only!!
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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Top Ranked Articles about Fiserv Inc

Warrior Capital’s Major Sells in Review - VistaPrint, Google, Fiserv, Express Scripts
VistaPrint, the online print and marketing company, has quickly gained a reputation worldwide for unifying a fragmented and competitive industry. The company reported financial results for its first quarter of fiscal 2014, ended September 30, 2013, with $275.1 million in revenue, up 9% over last year. GAAP net income of $0.01 per diluted share was reported for the quarter, and adjusted net income came in at $0.32 per diluted share (non-GAAP), marking a 28% increase year-over-year. VistaPrint’s operating income was $8.4 million, up from the same quarter a year ago, at $0.2 million. The company’s gross margin was 65.2% for the reporting quarter, compared to 65% in the same quarter of the previous year. As of September 30, 2013, the balance sheet shows $64.7 million in cash and cash equivalents and $270.0 million in short-term and long-term debt. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 22.40
FISV's P/E(ttm) is ranked higher than
70% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 25.60 vs. FISV: 22.40 )
FISV' s 10-Year P/E(ttm) Range
Min: 8.2   Max: 24.76
Current: 22.4

8.2
24.76
P/B 4.92
FISV's P/B is ranked higher than
54% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 2.87 vs. FISV: 4.92 )
FISV' s 10-Year P/B Range
Min: 1.77   Max: 4.86
Current: 4.92

1.77
4.86
P/S 3.55
FISV's P/S is ranked higher than
54% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 1.45 vs. FISV: 3.55 )
FISV' s 10-Year P/S Range
Min: 1.03   Max: 3.51
Current: 3.55

1.03
3.51
PFCF 17.33
FISV's PFCF is ranked higher than
83% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 64.54 vs. FISV: 17.33 )
FISV' s 10-Year PFCF Range
Min: 4.25   Max: 36.78
Current: 17.33

4.25
36.78
EV-to-EBIT 17.14
FISV's EV-to-EBIT is ranked higher than
69% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 17.78 vs. FISV: 17.14 )
FISV' s 10-Year EV-to-EBIT Range
Min: 9.4   Max: 19.2
Current: 17.14

9.4
19.2
PEG 3.00
FISV's PEG is ranked higher than
84% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. FISV: 3.00 )
FISV' s 10-Year PEG Range
Min: 0.87   Max: 3.56
Current: 3

0.87
3.56
Shiller P/E 33.39
FISV's Shiller P/E is ranked higher than
79% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 208.71 vs. FISV: 33.39 )
FISV' s 10-Year Shiller P/E Range
Min: 11.08   Max: 36.25
Current: 33.39

11.08
36.25
Current Ratio 1.13
FISV's Current Ratio is ranked higher than
53% of the 1009 Companies
in the Global Business Services industry.

( Industry Median: 1.46 vs. FISV: 1.13 )
FISV' s 10-Year Current Ratio Range
Min: 0.14   Max: 6.19
Current: 1.13

0.14
6.19
Quick Ratio 1.13
FISV's Quick Ratio is ranked higher than
58% of the 1009 Companies
in the Global Business Services industry.

( Industry Median: 1.29 vs. FISV: 1.13 )
FISV' s 10-Year Quick Ratio Range
Min: 0.14   Max: 6.19
Current: 1.13

0.14
6.19

Valuation & Return

vs
industry
vs
history
Price/DCF (Projected) 1.70
FISV's Price/DCF (Projected) is ranked higher than
78% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. FISV: 1.70 )
FISV' s 10-Year Price/DCF (Projected) Range
Min: 0.67   Max: 2.87
Current: 1.7

0.67
2.87
Price/Median PS Value 1.59
FISV's Price/Median PS Value is ranked higher than
54% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 1.11 vs. FISV: 1.59 )
FISV' s 10-Year Price/Median PS Value Range
Min: 0.58   Max: 2.12
Current: 1.59

0.58
2.12
Price/Peter Lynch Fair Value 2.56
FISV's Price/Peter Lynch Fair Value is ranked higher than
87% of the 1096 Companies
in the Global Business Services industry.

( Industry Median: 9999.00 vs. FISV: 2.56 )
FISV' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.88   Max: 3.26
Current: 2.56

0.88
3.26
Earnings Yield (Greenblatt) 5.80
FISV's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1008 Companies
in the Global Business Services industry.

( Industry Median: 6.00 vs. FISV: 5.80 )
FISV' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.2   Max: 10.6
Current: 5.8

5.2
10.6
Forward Rate of Return (Yacktman) 11.81
FISV's Forward Rate of Return (Yacktman) is ranked higher than
77% of the 798 Companies
in the Global Business Services industry.

( Industry Median: 7.33 vs. FISV: 11.81 )
FISV' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.8   Max: 23.1
Current: 11.81

10.8
23.1

Business Description

Industry: Business Services » Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY » details
Traded in other countries:FIV.Germany
Fiserv, Inc. was incorporated in Delaware in 1984 and reincorporated as a Wisconsin corporation in 1992. Fiserv, Inc. and its subsidiaries provide integrated information management and electronic commerce systems and services, including transaction processing, electronic bill payment and presentment, business process outsourcing, document distribution services and software and systems solutions. The Company's operations are mainly in the United States and are comprised of the Financial Institution Services segment, Payments and Industry Products segment and Corporate and Other segment. The Financial segment provides banks, thrifts and credit unions with account processing services, item processing services, loan origination and servicing products, cash management and consulting services, and other products and services that support numerous types of financial transactions. The Payments segment mainly provides electronic bill payment and settlement, electronic funds transfer and debit processing products and services to meet the electronic transaction processing needs of the financial services industry. The businesses in this segment also provide card and print personalization services, Internet banking, investment account processing services for separately managed accounts and fraud and risk management products and services. The Corporate and Other segment mainly consists of unallocated corporate overhead expenses, amortization of acquisition-related intangible assets and intercompany eliminations. The Company competes with vendors that offer similar transaction processing products and services to financial institutions, including Fidelity National Information Services, Inc., Jack Henry and Associates, Inc. and Open Solutions, Inc. The Company is subject to the Federal Reserve Board's rules with respect to its ACH network.
» More Articles for FISV

Headlines

Articles On GuruFocus.com
Warrior Capital’s Major Sells in Review - VistaPrint, Google, Fiserv, Express Scripts Nov 30 2013 
Former Warren Buffett CIO Lou Simpson Buys UPS, Brookfield Asset Management, Sells Lowe's, Fiserv Aug 21 2013 
Looking For a Few Good Businesses Jun 20 2013 
Lou Simpson Buys Moody's Corporation, Oracle Corporation, Brookfield Asset Management Inc, Sells Fis Feb 18 2013 
52-Week High Companies: AMGN, CBE, FISV, NEWS, ACE Oct 01 2012 
5 Stocks Experiencing High Trading Volume Apr 01 2012 
Top 5 Conviction Picks from Glenn Greenberg Dec 21 2011 
Hedge Fund Glenview Capital Larry Robbins Buys BMC Software, HCA Holdings, Sealed Air, Sells Aetna I Nov 16 2011 
Fiserv Inc. (FISV) EVP and COO Mark A Ernst buys 5,000 Shares Mar 10 2011 
Glenn Greenberg’ Brave Warrior Capital Buys HPQ, FISV, BR, MA, ACGL, Sells DELL, XTEX, TDW, SGU, Feb 15 2011 


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