Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for us banks and credit unions, with a focus on small and midsize banks. Through the merger with First Data in 2019, Fiserv also provides payment processing services for merchants. About 10% of the company's revenue is generated internationally.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.05
Equity-to-Asset	0.33
Debt-to-Equity	0.78
Debt-to-EBITDA	2.9
Interest Coverage	4.85
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.61	Distress Grey Safe
Beneish M-Score	-2.69	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	12.6
	3-Year EBITDA Growth Rate	20.4
	3-Year EPS without NRI Growth Rate	108.1
	3-Year FCF Growth Rate	8.9
	3-Year Book Growth Rate	1.3
	Future 3-5Y EPS without NRI Growth Rate	15.03
	Future 3-5Y Total Revenue Growth Rate	7.5

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	19.62
	9-Day RSI	32.37
	14-Day RSI	41.36
	6-1 Month Momentum %	33.03
	12-1 Month Momentum %	29.45

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.04
	Quick Ratio	1.04
	Cash Ratio	0.04
	Days Sales Outstanding	66.65
	Days Payable	22.64

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	3.9
	Shareholder Yield %	3.34

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	59.83
	Operating Margin %	25.39
	Net Margin %	16.07
	FCF Margin %	19.77
	ROE %	10.2
	ROA %	3.71
	ROIC %	4.93
	ROC (Joel Greenblatt) %	142.36
	ROCE %	8.5
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	30.24
	Forward PE Ratio	17.54
	PE Ratio without NRI	22.06
	Shiller PE Ratio	52.52
	Price-to-Owner-Earnings	24.61
	PEG Ratio	1.19
	PS Ratio	4.87
	PB Ratio	3.01
	Price-to-Free-Cash-Flow	24.57
	Price-to-Operating-Cash-Flow	17.98
	EV-to-EBIT	22.68
	EV-to-Forward-EBIT	19.3
	EV-to-EBITDA	13.85
	EV-to-Forward-EBITDA	12.31
	EV-to-Revenue	5.82
	EV-to-Forward-Revenue	5.69
	EV-to-FCF	29.43
	Price-to-Projected-FCF	1.4
	Price-to-DCF (Earnings Based)	1.29
	Price-to-DCF (FCF Based)	1.16
	Price-to-Median-PS-Value	1.04
	Price-to-Peter-Lynch-Fair-Value	1.08
	Earnings Yield (Greenblatt) %	4.41
	FCF Yield %	4.24
	Forward Rate of Return (Yacktman) %	23.12

GF Value: $133.46

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