📊 FIS Key Takeaways
Is Fidelity National Information Services, Inc. (FIS) a Good Investment?
FIS exhibits strong operating cash flow generation ($4.3B) but suffers from critical financial stress indicators including sub-1.0 current ratio (0.59x), interest coverage of only 0.6x, and debt levels ($16.9B) approaching equity ($16.0B). The 72% YoY EPS decline despite 5.4% revenue growth and the extreme 71.8% net margin (versus 12.8% operating margin) suggest significant one-time gains masking operational challenges.
FIS shows a mixed fundamental profile: revenue is growing and free cash flow generation is exceptionally strong, but that strength is not translating cleanly into bottom-line profitability. The combination of thin net margins, very weak EPS performance, low returns on capital, and tight liquidity suggests a fundamentally stable but operationally uneven business rather than a clearly strengthening one.
Fidelity National Information Services, Inc. Key Strengths (FIS)
- Strong revenue growth of 5.4% YoY in stable business services sector
- Excellent operating cash flow generation at $4.3B with 130% FCF yield
- Decent gross margins of 33.6% and ROE of 14.8% showing operational efficiency
- Revenue growth of 5.4% YoY indicates the core business is still expanding
- Free cash flow of $4.18B and a 39.2% FCF margin show very strong cash generation
- Operating margin of 16.3% suggests the business retains meaningful operating profitability before below-the-line pressures
FIS Stock Risks: Fidelity National Information Services, Inc. Investment Risks
- Critical interest coverage ratio of 0.6x indicates inability to service debt from operating income
- Liquidity stress with current ratio of 0.59x below safe 1.0x threshold
- Extreme leverage with long-term debt ($16.9B) nearly equal to stockholders' equity ($16.0B)
- Massive 72% EPS decline diverges sharply from modest revenue growth, signaling underlying operational pressure
- Net margin of 71.8% versus operating margin of 12.8% indicates reliance on non-operating gains rather than core operations
- Net income remains weak relative to revenue, with a net margin of just 3.6%
- Diluted EPS fell 72.0% YoY, indicating poor earnings quality or significant non-operating/share-related pressure
- Current and quick ratios of 0.59x plus interest coverage of 2.4x point to limited liquidity flexibility and moderate debt-servicing risk
Key Metrics to Watch
- Interest coverage ratio trending toward 1.0x minimum viability threshold
- Debt reduction trajectory and refinancing ability in current rate environment
- Sustainability of operating cash flow and composition of non-operating gains
- Net margin and diluted EPS recovery
- Interest coverage and short-term liquidity ratios
Fidelity National Information Services, Inc. (FIS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 130.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
FIS Profit Margin, ROE & Profitability Analysis
FIS vs Services Sector: How Fidelity National Information Services, Inc. Compares
How Fidelity National Information Services, Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fidelity National Information Services, Inc. Stock Overvalued? FIS Valuation Analysis 2026
Based on fundamental analysis, Fidelity National Information Services, Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Fidelity National Information Services, Inc. Balance Sheet: FIS Debt, Cash & Liquidity
FIS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Fidelity National Information Services, Inc.'s revenue has declined by 23% over the 5-year period, indicating business contraction. The most recent EPS of $-11.26 indicates the company is currently unprofitable.
FIS Revenue Growth, EPS Growth & YoY Performance
FIS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.5B | $77.0M | $0.15 |
| Q3 2025 | $2.6B | -$128.0M | $-0.24 |
| Q2 2025 | $2.5B | $238.0M | $0.43 |
| Q1 2025 | $2.5B | $77.0M | $0.15 |
| Q3 2024 | $2.4B | $151.0M | $0.25 |
| Q2 2024 | $2.4B | $243.0M | $0.44 |
| Q1 2024 | $2.4B | $140.0M | $0.24 |
| Q3 2023 | $2.4B | $249.0M | $0.41 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Fidelity National Information Services, Inc. Dividends, Buybacks & Capital Allocation
FIS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fidelity National Information Services, Inc. (CIK: 0001136893)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FIS
What is the AI rating for FIS?
Fidelity National Information Services, Inc. (FIS) has a Combined AI Grade of B from Claude (B) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FIS's key strengths?
Claude: Strong revenue growth of 5.4% YoY in stable business services sector. Excellent operating cash flow generation at $4.3B with 130% FCF yield. ChatGPT: Revenue growth of 5.4% YoY indicates the core business is still expanding. Free cash flow of $4.18B and a 39.2% FCF margin show very strong cash generation.
What are the risks of investing in FIS?
Claude: Critical interest coverage ratio of 0.6x indicates inability to service debt from operating income. Liquidity stress with current ratio of 0.59x below safe 1.0x threshold. ChatGPT: Net income remains weak relative to revenue, with a net margin of just 3.6%. Diluted EPS fell 72.0% YoY, indicating poor earnings quality or significant non-operating/share-related pressure.
What is FIS's revenue and growth?
Fidelity National Information Services, Inc. reported revenue of $3.3B.
Does FIS pay dividends?
Fidelity National Information Services, Inc. pays dividends, with $232.0M distributed to shareholders in the trailing twelve months.
Where can I find FIS SEC filings?
Official SEC filings for Fidelity National Information Services, Inc. (CIK: 0001136893) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FIS's EPS?
Fidelity National Information Services, Inc. has a diluted EPS of $4.58.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is FIS's fundamental grade?
Based on our AI fundamental analysis in June 2026, Fidelity National Information Services, Inc. has a B grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is FIS stock overvalued or undervalued?
Valuation metrics for FIS: ROE of 14.8% (sector avg: 16%), net margin of 71.8% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is FIS's AI grade for 2026?
Our dual AI analysis gives Fidelity National Information Services, Inc. a combined B grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FIS's free cash flow?
Fidelity National Information Services, Inc.'s operating cash flow is $4.3B, with capital expenditures of $50.0M. FCF margin is 130.0%.
How does FIS compare to other Services stocks?
Vs Services sector averages: Net margin 71.8% (avg: 10%), ROE 14.8% (avg: 16%), current ratio 0.59 (avg: 1.5).