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Also traded in: Austria, Germany, Mexico

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 : 6/10

vs
industry
vs
history
Cash-to-Debt 0.13
FISV's Cash-to-Debt is ranked lower than
93% of the 625 Companies
in the Global Business Services industry.

( Industry Median: 0.97 vs. FISV: 0.13 )
Ranked among companies with meaningful Cash-to-Debt only.
FISV' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 0.19 Max: 5.48
Current: 0.13
0.05
5.48
Equity-to-Asset 0.25
FISV's Equity-to-Asset is ranked lower than
81% of the 605 Companies
in the Global Business Services industry.

( Industry Median: 0.52 vs. FISV: 0.25 )
Ranked among companies with meaningful Equity-to-Asset only.
FISV' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.18  Med: 0.28 Max: 0.54
Current: 0.25
0.18
0.54
Debt-to-Equity 1.98
FISV's Debt-to-Equity is ranked lower than
89% of the 465 Companies
in the Global Business Services industry.

( Industry Median: 0.43 vs. FISV: 1.98 )
Ranked among companies with meaningful Debt-to-Equity only.
FISV' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18  Med: 0.49 Max: 2.19
Current: 1.98
0.18
2.19
Debt-to-EBITDA 2.34
FISV's Debt-to-EBITDA is ranked higher than
51% of the 454 Companies
in the Global Business Services industry.

( Industry Median: 2.25 vs. FISV: 2.34 )
Ranked among companies with meaningful Debt-to-EBITDA only.
FISV' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 2.3  Med: 2.57 Max: 3.28
Current: 2.34
2.3
3.28
Interest Coverage 8.35
FISV's Interest Coverage is ranked lower than
67% of the 556 Companies
in the Global Business Services industry.

( Industry Median: 19.71 vs. FISV: 8.35 )
Ranked among companies with meaningful Interest Coverage only.
FISV' s Interest Coverage Range Over the Past 10 Years
Min: 3.49  Med: 6.27 Max: 8.87
Current: 8.35
3.49
8.87
Piotroski F-Score: 7
Altman Z-Score: 4.88
Beneish M-Score: -2.57
WACC vs ROIC
7.19%
19.12%
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 % 26.26
FISV's Operating Margin % is ranked higher than
94% of the 617 Companies
in the Global Business Services industry.

( Industry Median: 6.41 vs. FISV: 26.26 )
Ranked among companies with meaningful Operating Margin % only.
FISV' s Operating Margin % Range Over the Past 10 Years
Min: 19.8  Med: 23.75 Max: 26.72
Current: 26.26
19.8
26.72
Net Margin % 25.00
FISV's Net Margin % is ranked higher than
95% of the 619 Companies
in the Global Business Services industry.

( Industry Median: 4.15 vs. FISV: 25.00 )
Ranked among companies with meaningful Net Margin % only.
FISV' s Net Margin % Range Over the Past 10 Years
Min: 11  Med: 13.51 Max: 21.88
Current: 25
11
21.88
ROE % 53.34
FISV's ROE % is ranked higher than
96% of the 597 Companies
in the Global Business Services industry.

( Industry Median: 8.83 vs. FISV: 53.34 )
Ranked among companies with meaningful ROE % only.
FISV' s ROE % Range Over the Past 10 Years
Min: 14.55  Med: 20.22 Max: 47.27
Current: 53.34
14.55
47.27
ROA % 14.02
FISV's ROA % is ranked higher than
90% of the 629 Companies
in the Global Business Services industry.

( Industry Median: 3.69 vs. FISV: 14.02 )
Ranked among companies with meaningful ROA % only.
FISV' s ROA % Range Over the Past 10 Years
Min: 5.37  Med: 7.19 Max: 12.44
Current: 14.02
5.37
12.44
ROC (Joel Greenblatt) % 457.05
FISV's ROC (Joel Greenblatt) % is ranked higher than
95% of the 620 Companies
in the Global Business Services industry.

( Industry Median: 22.23 vs. FISV: 457.05 )
Ranked among companies with meaningful ROC (Joel Greenblatt) % only.
FISV' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 115.61  Med: 353.05 Max: 417
Current: 457.05
115.61
417
3-Year Revenue Growth Rate 9.60
FISV's 3-Year Revenue Growth Rate is ranked higher than
69% of the 549 Companies
in the Global Business Services industry.

( Industry Median: 4.10 vs. FISV: 9.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
FISV' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -12.3  Med: 11.3 Max: 31.7
Current: 9.6
-12.3
31.7
3-Year EBITDA Growth Rate 12.60
FISV's 3-Year EBITDA Growth Rate is ranked higher than
67% of the 496 Companies
in the Global Business Services industry.

( Industry Median: 5.30 vs. FISV: 12.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
FISV' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 14.6 Max: 31.5
Current: 12.6
0
31.5
3-Year EPS without NRI Growth Rate 24.10
FISV's 3-Year EPS without NRI Growth Rate is ranked higher than
75% of the 434 Companies
in the Global Business Services industry.

( Industry Median: 9.50 vs. FISV: 24.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
FISV' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 17.8 Max: 45.4
Current: 24.1
0
45.4
GuruFocus has detected 3 Warning Signs with Fiserv Inc FISV.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FISV's 30-Y Financials

Financials (Next Earnings Date: 2019-02-08 Est.)


Revenue & Net Income
Cash & Debt
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2017

FISV Guru Trades in Q3 2017

Caxton Associates 5,200 sh (New)
Joel Greenblatt 42,848 sh (+1305.31%)
Ray Dalio Sold Out
Mario Gabelli 10,696 sh (-3.08%)
Mairs and Power 1,066,424 sh (-5.19%)
Jeremy Grantham 87,164 sh (-54.14%)
» More
Q4 2017

FISV Guru Trades in Q4 2017

Pioneer Investments 93,945 sh (New)
Caxton Associates 9,411 sh (+80.98%)
Jeremy Grantham Sold Out
Mairs and Power 1,049,095 sh (-1.62%)
Mario Gabelli 10,516 sh (-1.68%)
Joel Greenblatt 22,725 sh (-46.96%)
» More
Q1 2018

FISV Guru Trades in Q1 2018

Ray Dalio 21,686 sh (New)
Ken Fisher 4,685 sh (New)
Steven Cohen 97,200 sh (New)
Joel Greenblatt 105,701 sh (+365.13%)
Pioneer Investments 261,528 sh (+178.38%)
Mario Gabelli 20,876 sh (+98.52%)
Mairs and Power 2,066,481 sh (+96.98%)
Caxton Associates Sold Out
» More
Q2 2018

FISV Guru Trades in Q2 2018

Jim Simons 12,208 sh (New)
Joel Greenblatt 187,662 sh (+77.54%)
Pioneer Investments 310,320 sh (+18.66%)
Ken Fisher Sold Out
Steven Cohen Sold Out
Mairs and Power 2,026,340 sh (-1.94%)
Mario Gabelli 20,276 sh (-2.87%)
Ray Dalio 12,443 sh (-42.62%)
» More
» Details

Insider Trades

Latest Guru Trades with NAS:FISV

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

Guru Date Action
Impact Price Range
(Average)*
Change from Average Comment Current Shares
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Business Description

Industry: Business Services » Business Services    NAICS: 561499    SIC: 7389
Compare:NYSE:FIS, NYSE:WP, NAS:PAYX, LSE:EXPN, NAS:INFO, XSWX:SGSN, NYSE:FLT, NAS:CTAS, NYSE:GPN, NAS:VRSK, TSE:4901, XPAR:SW, NYSE:FDC, NYSE:EFX, NYSE:BR, ASX:BXB, NYSE:TRU, NYSE:ZTO, XPAR:BVI, NYSE:NLSN » details
Traded in other countries:FISV.Austria, FIV.Germany, FISV.Mexico,
Headquarter Location:USA
Fiserv Inc is a business solutions provider. Its service offering primarily includes electronic processing services.

Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for U.S. banks and credit unions. It serves over 13,000 clients, with a focus on its legacy business with small and midsize banks.

Ratios

vs
industry
vs
history
PE Ratio 22.99
FISV's PE Ratio is ranked lower than
51% of the 499 Companies
in the Global Business Services industry.

( Industry Median: 22.72 vs. FISV: 22.99 )
Ranked among companies with meaningful PE Ratio only.
FISV' s PE Ratio Range Over the Past 10 Years
Min: 8.19  Med: 20.58 Max: 33.26
Current: 22.99
8.19
33.26
Forward PE Ratio 22.08
FISV's Forward PE Ratio is ranked lower than
76% of the 127 Companies
in the Global Business Services industry.

( Industry Median: 19.16 vs. FISV: 22.08 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 23.19
FISV's PE Ratio without NRI is ranked lower than
53% of the 500 Companies
in the Global Business Services industry.

( Industry Median: 22.11 vs. FISV: 23.19 )
Ranked among companies with meaningful PE Ratio without NRI only.
FISV' s PE Ratio without NRI Range Over the Past 10 Years
Min: 8.49  Med: 21.37 Max: 33.15
Current: 23.19
8.49
33.15
Price-to-Owner-Earnings 20.53
FISV's Price-to-Owner-Earnings is ranked lower than
58% of the 306 Companies
in the Global Business Services industry.

( Industry Median: 22.95 vs. FISV: 20.53 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FISV' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.1  Med: 16.09 Max: 27.45
Current: 20.53
6.1
27.45
PB Ratio 11.96
FISV's PB Ratio is ranked lower than
93% of the 597 Companies
in the Global Business Services industry.

( Industry Median: 2.31 vs. FISV: 11.96 )
Ranked among companies with meaningful PB Ratio only.
FISV' s PB Ratio Range Over the Past 10 Years
Min: 1.73  Med: 3.76 Max: 12.53
Current: 11.96
1.73
12.53
PS Ratio 5.69
FISV's PS Ratio is ranked lower than
88% of the 600 Companies
in the Global Business Services industry.

( Industry Median: 1.24 vs. FISV: 5.69 )
Ranked among companies with meaningful PS Ratio only.
FISV' s PS Ratio Range Over the Past 10 Years
Min: 1.03  Med: 2.66 Max: 5.96
Current: 5.69
1.03
5.96
Price-to-Free-Cash-Flow 29.79
FISV's Price-to-Free-Cash-Flow is ranked lower than
66% of the 273 Companies
in the Global Business Services industry.

( Industry Median: 21.44 vs. FISV: 29.79 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FISV' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.25  Med: 18.79 Max: 34.22
Current: 29.79
4.25
34.22
Price-to-Operating-Cash-Flow 22.74
FISV's Price-to-Operating-Cash-Flow is ranked lower than
74% of the 340 Companies
in the Global Business Services industry.

( Industry Median: 14.75 vs. FISV: 22.74 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FISV' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.69  Med: 14.13 Max: 24.13
Current: 22.74
3.69
24.13
EV-to-EBIT 20.80
FISV's EV-to-EBIT is ranked lower than
61% of the 500 Companies
in the Global Business Services industry.

( Industry Median: 16.60 vs. FISV: 20.80 )
Ranked among companies with meaningful EV-to-EBIT only.
FISV' s EV-to-EBIT Range Over the Past 10 Years
Min: 7.1  Med: 16.2 Max: 23.2
Current: 20.8
7.1
23.2
EV-to-EBITDA 16.11
FISV's EV-to-EBITDA is ranked lower than
64% of the 526 Companies
in the Global Business Services industry.

( Industry Median: 12.55 vs. FISV: 16.11 )
Ranked among companies with meaningful EV-to-EBITDA only.
FISV' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 12.05 Max: 18.1
Current: 16.11
5.3
18.1
EV-to-Revenue 6.28
FISV's EV-to-Revenue is ranked lower than
89% of the 604 Companies
in the Global Business Services industry.

( Industry Median: 1.47 vs. FISV: 6.28 )
Ranked among companies with meaningful EV-to-Revenue only.
FISV' s EV-to-Revenue Range Over the Past 10 Years
Min: 1.7  Med: 3.45 Max: 6.7
Current: 6.28
1.7
6.7
PEG Ratio 1.80
FISV's PEG Ratio is ranked higher than
56% of the 239 Companies
in the Global Business Services industry.

( Industry Median: 2.10 vs. FISV: 1.80 )
Ranked among companies with meaningful PEG Ratio only.
FISV' s PEG Ratio Range Over the Past 10 Years
Min: 0.63  Med: 1.85 Max: 3.45
Current: 1.8
0.63
3.45
Shiller PE Ratio 46.73
FISV's Shiller PE Ratio is ranked lower than
75% of the 183 Companies
in the Global Business Services industry.

( Industry Median: 29.53 vs. FISV: 46.73 )
Ranked among companies with meaningful Shiller PE Ratio only.
FISV' s Shiller PE Ratio Range Over the Past 10 Years
Min: 14.11  Med: 27.02 Max: 49.04
Current: 46.73
14.11
49.04
Current Ratio 1.01
FISV's Current Ratio is ranked lower than
78% of the 614 Companies
in the Global Business Services industry.

( Industry Median: 1.64 vs. FISV: 1.01 )
Ranked among companies with meaningful Current Ratio only.
FISV' s Current Ratio Range Over the Past 10 Years
Min: 0.14  Med: 1.1 Max: 6.19
Current: 1.01
0.14
6.19
Quick Ratio 1.01
FISV's Quick Ratio is ranked lower than
71% of the 614 Companies
in the Global Business Services industry.

( Industry Median: 1.49 vs. FISV: 1.01 )
Ranked among companies with meaningful Quick Ratio only.
FISV' s Quick Ratio Range Over the Past 10 Years
Min: 0.14  Med: 1.1 Max: 6.19
Current: 1.01
0.14
6.19
Days Sales Outstanding 59.85
FISV's Days Sales Outstanding is ranked higher than
54% of the 588 Companies
in the Global Business Services industry.

( Industry Median: 60.92 vs. FISV: 59.85 )
Ranked among companies with meaningful Days Sales Outstanding only.
FISV' s Days Sales Outstanding Range Over the Past 10 Years
Min: 47.03  Med: 56.2 Max: 63.89
Current: 59.85
47.03
63.89
Days Payable 11.70
FISV's Days Payable is ranked lower than
87% of the 525 Companies
in the Global Business Services industry.

( Industry Median: 46.52 vs. FISV: 11.70 )
Ranked among companies with meaningful Days Payable only.
FISV' s Days Payable Range Over the Past 10 Years
Min: 7.73  Med: 12.96 Max: 82.15
Current: 11.7
7.73
82.15

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 4.80
FISV's 3-Year Average Share Buyback Ratio is ranked higher than
98% of the 405 Companies
in the Global Business Services industry.

( Industry Median: -1.80 vs. FISV: 4.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FISV' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -11.3  Med: -0.7 Max: 5.7
Current: 4.8
-11.3
5.7

Valuation & Return

vs
industry
vs
history
Price-to-Intrinsic-Value-Projected-FCF 1.97
FISV's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
62% of the 319 Companies
in the Global Business Services industry.

( Industry Median: 1.54 vs. FISV: 1.97 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FISV' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.67  Med: 1.41 Max: 2.94
Current: 1.97
0.67
2.94
Price-to-Intrinsic-Value-DCF (Earnings Based) 1.10
FISV's Price-to-Intrinsic-Value-DCF (Earnings Based) is ranked higher than
67% of the 66 Companies
in the Global Business Services industry.

( Industry Median: 1.53 vs. FISV: 1.10 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-DCF (Earnings Based) only.
FISV' s Price-to-Intrinsic-Value-DCF (Earnings Based) Range Over the Past 10 Years
Min: 0.41  Med: 0.97 Max: 1.77
Current: 1.1
0.41
1.77
Price-to-Median-PS-Value 2.14
FISV's Price-to-Median-PS-Value is ranked lower than
88% of the 510 Companies
in the Global Business Services industry.

( Industry Median: 1.08 vs. FISV: 2.14 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FISV' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.36  Med: 0.85 Max: 2.24
Current: 2.14
0.36
2.24
Price-to-Peter-Lynch-Fair-Value 1.59
FISV's Price-to-Peter-Lynch-Fair-Value is ranked lower than
53% of the 139 Companies
in the Global Business Services industry.

( Industry Median: 1.61 vs. FISV: 1.59 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
FISV' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.64  Med: 1.54 Max: 3.39
Current: 1.59
0.64
3.39
Earnings Yield (Greenblatt) % 4.81
FISV's Earnings Yield (Greenblatt) % is ranked higher than
51% of the 624 Companies
in the Global Business Services industry.

( Industry Median: 4.76 vs. FISV: 4.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FISV' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 4.3  Med: 6.2 Max: 14.2
Current: 4.81
4.3
14.2
Forward Rate of Return (Yacktman) % 17.61
FISV's Forward Rate of Return (Yacktman) % is ranked higher than
74% of the 365 Companies
in the Global Business Services industry.

( Industry Median: 8.60 vs. FISV: 17.61 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
FISV' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 10.4  Med: 16.2 Max: 24
Current: 17.61
10.4
24

More Statistics

Revenue (TTM) (Mil) $5,788.00
EPS (TTM) $ 3.42
Beta0.77
Volatility10.32%
52-Week Range $62.76 - 82.79
Shares Outstanding (Mil)398.47

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 5,812 6,176 6,419
EBIT (Mil $) 1,678 1,727 2,046
EBITDA (Mil $) 2,161 2,231 2,362
EPS ($) 2.93 3.15 3.43
EPS without NRI ($) 2.93 3.15 3.43
EPS Growth Rate
(Future 3Y To 5Y Estimate)
7.39%
Dividends per Share ($)

Piotroski F-Score Details

Piotroski F-Score: 77
Positive ROAY
Positive CFROAY
Higher ROA yoyY
CFROA > ROAY
Lower Leverage yoyY
Higher Current Ratio yoyN
Less Shares Outstanding yoyY
Higher Gross Margin yoyY
Higher Asset Turnover yoyN

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