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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 0.13
FISV's Cash to Debt is ranked lower than
88% of the 732 Companies
in the Global Business Services industry.

( Industry Median: 1.75 vs. FISV: 0.13 )
Ranked among companies with meaningful Cash to Debt only.
FISV' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.19 Max: 5.48
Current: 0.13
0.05
5.48
Equity to Asset 0.33
FISV's Equity to Asset is ranked lower than
73% of the 684 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. FISV: 0.33 )
Ranked among companies with meaningful Equity to Asset only.
FISV' s 10-Year Equity to Asset Range
Min: 0.18  Med: 0.31 Max: 0.43
Current: 0.33
0.18
0.43
Interest Coverage 7.38
FISV's Interest Coverage is ranked lower than
76% of the 494 Companies
in the Global Business Services industry.

( Industry Median: 43.25 vs. FISV: 7.38 )
Ranked among companies with meaningful Interest Coverage only.
FISV' s 10-Year Interest Coverage Range
Min: 3.49  Med: 13.04 Max: 26.49
Current: 7.38
3.49
26.49
F-Score: 8
Z-Score: 4.00
M-Score: -2.74
WACC vs ROIC
6.96%
11.66%
WACC
ROIC
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 (%) 24.69
FISV's Operating margin (%) is ranked higher than
90% of the 727 Companies
in the Global Business Services industry.

( Industry Median: 5.44 vs. FISV: 24.69 )
Ranked among companies with meaningful Operating margin (%) only.
FISV' s 10-Year Operating margin (%) Range
Min: -12.24  Med: 18.81 Max: 24.36
Current: 24.69
-12.24
24.36
Net-margin (%) 14.07
FISV's Net-margin (%) is ranked higher than
83% of the 730 Companies
in the Global Business Services industry.

( Industry Median: 3.76 vs. FISV: 14.07 )
Ranked among companies with meaningful Net-margin (%) only.
FISV' s 10-Year Net-margin (%) Range
Min: -8.52  Med: 11.01 Max: 15.92
Current: 14.07
-8.52
15.92
ROE (%) 21.85
FISV's ROE (%) is ranked higher than
83% of the 699 Companies
in the Global Business Services industry.

( Industry Median: 8.24 vs. FISV: 21.85 )
Ranked among companies with meaningful ROE (%) only.
FISV' s 10-Year ROE (%) Range
Min: 13.21  Med: 15.85 Max: 22.49
Current: 21.85
13.21
22.49
ROA (%) 7.70
FISV's ROA (%) is ranked higher than
75% of the 742 Companies
in the Global Business Services industry.

( Industry Median: 3.49 vs. FISV: 7.70 )
Ranked among companies with meaningful ROA (%) only.
FISV' s 10-Year ROA (%) Range
Min: 2.87  Med: 4.85 Max: 8
Current: 7.7
2.87
8
ROC (Joel Greenblatt) (%) 361.97
FISV's ROC (Joel Greenblatt) (%) is ranked higher than
93% of the 725 Companies
in the Global Business Services industry.

( Industry Median: 23.49 vs. FISV: 361.97 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
FISV' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 35.38  Med: 241.52 Max: 417
Current: 361.97
35.38
417
Revenue Growth (3Y)(%) 10.10
FISV's Revenue Growth (3Y)(%) is ranked higher than
69% of the 560 Companies
in the Global Business Services industry.

( Industry Median: 4.70 vs. FISV: 10.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FISV' s 10-Year Revenue Growth (3Y)(%) Range
Min: 2.3  Med: 10.90 Max: 20.6
Current: 10.1
2.3
20.6
EBITDA Growth (3Y)(%) 13.30
FISV's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 463 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. FISV: 13.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FISV' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 4.7  Med: 15.45 Max: 25.3
Current: 13.3
4.7
25.3
EPS Growth (3Y)(%) 20.70
FISV's EPS Growth (3Y)(%) is ranked higher than
73% of the 423 Companies
in the Global Business Services industry.

( Industry Median: 5.70 vs. FISV: 20.70 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FISV' s 10-Year EPS Growth (3Y)(%) Range
Min: -2.6  Med: 15.85 Max: 24.4
Current: 20.7
-2.6
24.4
» FISV's 10-Y Financials

Financials


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

» Details

Guru Trades

Q2 2014

FISV Guru Trades in Q2 2014

Joel Greenblatt 4,921 sh (New)
Jim Simons 328,404 sh (New)
Caxton Associates 10,000 sh (New)
Chuck Royce 58,340 sh (unchged)
Jeremy Grantham Sold Out
Ray Dalio Sold Out
Pioneer Investments 910,599 sh (-0.66%)
Bill Frels 1,852,325 sh (-2.74%)
» More
Q3 2014

FISV Guru Trades in Q3 2014

Ray Dalio 4,368 sh (New)
Pioneer Investments 910,005 sh (unchged)
Chuck Royce 58,340 sh (unchged)
Joel Greenblatt Sold Out
Jim Simons Sold Out
Caxton Associates Sold Out
Bill Frels 1,836,656 sh (-0.85%)
» More
Q4 2014

FISV Guru Trades in Q4 2014

Jim Simons 22,604 sh (New)
Ray Dalio Sold Out
Pioneer Investments 899,641 sh (-1.14%)
Bill Frels 1,688,871 sh (-8.05%)
Chuck Royce 42,060 sh (-27.91%)
» More
Q1 2015

FISV Guru Trades in Q1 2015

Caxton Associates 5,000 sh (New)
Pioneer Investments 902,600 sh (+0.33%)
Jim Simons Sold Out
Chuck Royce 39,760 sh (-5.47%)
Bill Frels 1,554,181 sh (-7.98%)
» 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%)

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Ratios

vs
industry
vs
history
P/E(ttm) 35.97
FISV's P/E(ttm) is ranked lower than
75% of the 510 Companies
in the Global Business Services industry.

( Industry Median: 21.60 vs. FISV: 35.97 )
Ranked among companies with meaningful P/E(ttm) only.
FISV' s 10-Year P/E(ttm) Range
Min: 8.2  Med: 18.97 Max: 36.49
Current: 35.97
8.2
36.49
Forward P/E 20.28
FISV's Forward P/E is ranked lower than
73% of the 256 Companies
in the Global Business Services industry.

( Industry Median: 15.46 vs. FISV: 20.28 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 35.90
FISV's PE(NRI) is ranked lower than
75% of the 513 Companies
in the Global Business Services industry.

( Industry Median: 21.40 vs. FISV: 35.90 )
Ranked among companies with meaningful PE(NRI) only.
FISV' s 10-Year PE(NRI) Range
Min: 13.46  Med: 19.10 Max: 36.53
Current: 35.9
13.46
36.53
P/B 6.50
FISV's P/B is ranked lower than
86% of the 685 Companies
in the Global Business Services industry.

( Industry Median: 2.22 vs. FISV: 6.50 )
Ranked among companies with meaningful P/B only.
FISV' s 10-Year P/B Range
Min: 1.77  Med: 3.11 Max: 6.59
Current: 6.5
1.77
6.59
P/S 4.13
FISV's P/S is ranked lower than
80% of the 715 Companies
in the Global Business Services industry.

( Industry Median: 1.26 vs. FISV: 4.13 )
Ranked among companies with meaningful P/S only.
FISV' s 10-Year P/S Range
Min: 1.03  Med: 2.25 Max: 4.18
Current: 4.13
1.03
4.18
PFCF 21.61
FISV's PFCF is ranked lower than
58% of the 384 Companies
in the Global Business Services industry.

( Industry Median: 19.53 vs. FISV: 21.61 )
Ranked among companies with meaningful PFCF only.
FISV' s 10-Year PFCF Range
Min: 4.25  Med: 17.55 Max: 33.75
Current: 21.61
4.25
33.75
POCF 15.98
FISV's POCF is ranked lower than
57% of the 493 Companies
in the Global Business Services industry.

( Industry Median: 13.90 vs. FISV: 15.98 )
Ranked among companies with meaningful POCF only.
FISV' s 10-Year POCF Range
Min: 3.68  Med: 13.09 Max: 17.99
Current: 15.98
3.68
17.99
EV-to-EBIT 20.28
FISV's EV-to-EBIT is ranked lower than
67% of the 540 Companies
in the Global Business Services industry.

( Industry Median: 14.78 vs. FISV: 20.28 )
Ranked among companies with meaningful EV-to-EBIT only.
FISV' s 10-Year EV-to-EBIT Range
Min: 9.4  Med: 12.70 Max: 19.4
Current: 20.28
9.4
19.4
PEG 3.99
FISV's PEG is ranked lower than
76% of the 229 Companies
in the Global Business Services industry.

( Industry Median: 2.24 vs. FISV: 3.99 )
Ranked among companies with meaningful PEG only.
FISV' s 10-Year PEG Range
Min: 0.87  Med: 1.51 Max: 3.56
Current: 3.99
0.87
3.56
Shiller P/E 38.94
FISV's Shiller P/E is ranked lower than
76% of the 341 Companies
in the Global Business Services industry.

( Industry Median: 23.77 vs. FISV: 38.94 )
Ranked among companies with meaningful Shiller P/E only.
FISV' s 10-Year Shiller P/E Range
Min: 11.08  Med: 23.08 Max: 37.11
Current: 38.94
11.08
37.11
Current Ratio 1.28
FISV's Current Ratio is ranked lower than
66% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 1.57 vs. FISV: 1.28 )
Ranked among companies with meaningful Current Ratio only.
FISV' s 10-Year Current Ratio Range
Min: 0.14  Med: 1.12 Max: 6.19
Current: 1.28
0.14
6.19
Quick Ratio 1.28
FISV's Quick Ratio is ranked lower than
59% of the 695 Companies
in the Global Business Services industry.

( Industry Median: 1.43 vs. FISV: 1.28 )
Ranked among companies with meaningful Quick Ratio only.
FISV' s 10-Year Quick Ratio Range
Min: 0.14  Med: 1.12 Max: 6.19
Current: 1.28
0.14
6.19
Days Sales Outstanding 52.85
FISV's Days Sales Outstanding is ranked higher than
54% of the 603 Companies
in the Global Business Services industry.

( Industry Median: 56.44 vs. FISV: 52.85 )
Ranked among companies with meaningful Days Sales Outstanding only.
FISV' s 10-Year Days Sales Outstanding Range
Min: 42.84  Med: 57.22 Max: 630.51
Current: 52.85
42.84
630.51

Valuation & Return

vs
industry
vs
history
Price/Projected FCF 1.60
FISV's Price/Projected FCF is ranked lower than
290% of the 341 Companies
in the Global Business Services industry.

( Industry Median: 1.36 vs. FISV: 1.60 )
Ranked among companies with meaningful Price/Projected FCF only.
FISV' s 10-Year Price/Projected FCF Range
Min: 0.67  Med: 1.07 Max: 2.87
Current: 1.6
0.67
2.87
Price/DCF (Earnings Based) 1.81
FISV's Price/DCF (Earnings Based) is ranked lower than
64% of the 59 Companies
in the Global Business Services industry.

( Industry Median: 1.37 vs. FISV: 1.81 )
Ranked among companies with meaningful Price/DCF (Earnings Based) only.
N/A
Price/Median PS Value 1.83
FISV's Price/Median PS Value is ranked lower than
166% of the 596 Companies
in the Global Business Services industry.

( Industry Median: 1.15 vs. FISV: 1.83 )
Ranked among companies with meaningful Price/Median PS Value only.
FISV' s 10-Year Price/Median PS Value Range
Min: 0.58  Med: 1.11 Max: 2.1
Current: 1.83
0.58
2.1
Price/Peter Lynch Fair Value 3.34
FISV's Price/Peter Lynch Fair Value is ranked lower than
678% of the 146 Companies
in the Global Business Services industry.

( Industry Median: 1.58 vs. FISV: 3.34 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
FISV' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.88  Med: 1.38 Max: 3.26
Current: 3.34
0.88
3.26
Earnings Yield (Greenblatt) (%) 4.98
FISV's Earnings Yield (Greenblatt) (%) is ranked higher than
50% of the 718 Companies
in the Global Business Services industry.

( Industry Median: 4.90 vs. FISV: 4.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FISV' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 5.2  Med: 7.85 Max: 10.6
Current: 4.98
5.2
10.6
Forward Rate of Return (Yacktman) (%) 14.23
FISV's Forward Rate of Return (Yacktman) (%) is ranked higher than
59% of the 358 Companies
in the Global Business Services industry.

( Industry Median: 11.25 vs. FISV: 14.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FISV' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 10.3  Med: 18.45 Max: 23.1
Current: 14.23
10.3
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. The Company is a provider of financial services technology. The Company 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 Companys 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 presentment services, biller services, digital channel services, and other electronic payments services such as person-to-person payments and account-to-account transfers. 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, MasterCard Incorporated, Total System Services, Inc., Visa, Inc. and Western Union. The Company is subject to the Federal Reserve Boards rules with respect to its ACH network.
» More Articles for FISV

Headlines

Articles On GuruFocus.com
The Best Way to Judge Past Performance: Part Two Jul 01 2015 
Weekly 52-Week Highs Highlight: V, DLPH, FISV, NWL May 17 2015 
Ready to Follow Ray Dalio on this Stock Dec 17 2014 
Primatics Financial and Fiserv Extend Their Partnership to Offer Stress Testing Solutions to Leading Dec 04 2014 
Weekly 52-Week Highs Highlight: LBTYK, STZ, FISV, BCR Nov 09 2014 
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 

More From Other Websites
CBOE Holdings Q2 Earnings Beat as Topline Rises; Ups Dividend - Analyst Blog Aug 03 2015
10-Q for Fiserv, Inc. Aug 01 2015
FISERV INC Files SEC form 10-Q, Quarterly Report Jul 30 2015
FISERV (FISV) Earnings Report: Q2 2015 Conference Call Transcript Jul 30 2015
Fiserv (FISV) Beats on Q2 Earnings, Revenues Lag; Up Y/Y - Analyst Blog Jul 30 2015
Edited Transcript of FISV earnings conference call or presentation 29-Jul-15 9:00pm GMT Jul 29 2015
Fiserv reports 2Q revenue growth Jul 29 2015
FISERV INC Files SEC form 8-K, Results of Operations and Financial Condition, Financial Statements... Jul 29 2015
Fiserv beats 2Q profit forecasts Jul 29 2015
Fiserv beats 2Q profit forecasts Jul 29 2015
Fiserv Reports Second Quarter 2015 Results Jul 29 2015
Fiserv to Integrate Fujitsu PalmSecure Technology into DNA Account Processing Platform Jul 27 2015
Will Fiserv (FISV) Surprise This Earnings Season? - Analyst Blog Jul 24 2015
eBay, Inc. Earnings Analysis: By the Numbers Jul 24 2015
Equifax (EFX) Beats Q2 Earnings and Revenues; Guides High - Analyst Blog Jul 23 2015
Fiserv Extends Agreement with Charles Schwab for Scalable and Integrated Managed Account Technology Jul 23 2015
United Way Among Charities Accepting Donations via New Popmoney Charitable Giving Feature Jul 09 2015
Fiserv Clients in Asia Pacific Recognized for Excellence with Industry Awards Jul 08 2015
Fiserv Clients in Asia Pacific Recognized for Excellence with Industry Awards Jul 08 2015
Fiserv Clients in Asia Pacific Recognized for Excellence with Industry Awards Jul 08 2015

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