📊 FISV Key Takeaways
Is Fiserv Inc. (FISV) a Good Investment?
Fiserv demonstrates solid operational performance with a 27.5% operating margin and 16.4% net margin, generating strong free cash flow of $4.3B (20.3% FCF margin). The company shows resilience despite modest revenue growth of 3.6% YoY and maintains healthy interest coverage of 5.1x, though elevated leverage (1.08x debt-to-equity) and tight liquidity (1.03x current ratio) warrant monitoring.
Fiserv shows strong fundamental quality through high operating margins, solid free cash flow generation, and resilient earnings despite only modest top-line growth. Growth quality looks good because diluted EPS rose much faster than net income, but leverage and thin liquidity keep the balance sheet from looking elite.
Why Buy Fiserv Inc. Stock? FISV Key Strengths
- Strong profitability with 27.5% operating margin and 16.4% net margin indicating efficient operations
- Robust free cash flow generation of $4.3B representing 20.3% of revenue, supporting capital allocation flexibility
- Solid interest coverage ratio of 5.1x providing adequate debt servicing capacity
- Significant insider activity with 32 Form 4 filings suggesting management confidence
- Strong profitability with 27.5% operating margin and 16.4% net margin
- Robust cash generation with $4.30B of free cash flow and 20.3% FCF margin
- Revenue growth remained positive while diluted EPS increased 17.8%, indicating effective capital allocation and operating discipline
FISV Stock Risks: Fiserv Inc. Investment Risks
- Elevated leverage position with 1.08x debt-to-equity ratio and $27.8B long-term debt against $25.8B equity
- Tight liquidity position with 1.03x current ratio limiting financial flexibility for unexpected challenges
- Modest revenue growth of 3.6% YoY indicating potential market saturation or competitive pressures in business services
- Low cash position of $798M relative to $80.1B total assets creates refinancing dependency
- Revenue growth of 3.6% and slightly declining net income suggest limited underlying growth momentum
- Leverage is meaningful with $27.76B of long-term debt and debt-to-equity of 1.08x
- Liquidity is tight with only $798M of cash and a current ratio of 1.03x
Key Metrics to Watch
- Free cash flow sustainability and conversion rates to gauge operational efficiency
- Debt reduction trajectory and debt-to-equity ratio movement toward healthier leverage levels
- Revenue growth acceleration trends in services segment to assess market demand
- Operating margin expansion or contraction reflecting pricing power and cost management
- Free cash flow conversion versus net income
- Debt reduction and interest coverage
Fiserv Inc. (FISV) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 20.3% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments.
FISV Profit Margin, ROE & Profitability Analysis
FISV vs Services Sector: How Fiserv Inc. Compares
How Fiserv Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Fiserv Inc. Stock Overvalued? FISV Valuation Analysis 2026
Based on fundamental analysis, Fiserv 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.
Fiserv Inc. Balance Sheet: FISV Debt, Cash & Liquidity
FISV Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Fiserv Inc.'s revenue has grown significantly by 179% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.98 reflects profitable operations.
FISV Revenue Growth, EPS Growth & YoY Performance
FISV Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $5.2B | $564.0M | $0.98 |
| Q2 2025 | $5.1B | $894.0M | $1.53 |
| Q1 2025 | $4.9B | $735.0M | $1.24 |
| Q3 2024 | $4.9B | $564.0M | $0.98 |
| Q2 2024 | $4.8B | $683.0M | $1.10 |
| Q1 2024 | $4.5B | $563.0M | $0.89 |
| Q3 2023 | $4.5B | $481.0M | $0.75 |
| Q2 2023 | $4.5B | $598.0M | $0.92 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Fiserv Inc. Dividends, Buybacks & Capital Allocation
FISV SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Fiserv Inc. (CIK: 0000798354)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 2, 2026 | DEF 14A | ny20062579x1_def14a.htm | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775160721.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775160689.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775160657.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775160626.xml | View → |
❓ Frequently Asked Questions about FISV
What is the AI rating for FISV?
Fiserv Inc. (FISV) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 78% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FISV's key strengths?
Claude: Strong profitability with 27.5% operating margin and 16.4% net margin indicating efficient operations. Robust free cash flow generation of $4.3B representing 20.3% of revenue, supporting capital allocation flexibility. ChatGPT: Strong profitability with 27.5% operating margin and 16.4% net margin. Robust cash generation with $4.30B of free cash flow and 20.3% FCF margin.
What are the risks of investing in FISV?
Claude: Elevated leverage position with 1.08x debt-to-equity ratio and $27.8B long-term debt against $25.8B equity. Tight liquidity position with 1.03x current ratio limiting financial flexibility for unexpected challenges. ChatGPT: Revenue growth of 3.6% and slightly declining net income suggest limited underlying growth momentum. Leverage is meaningful with $27.76B of long-term debt and debt-to-equity of 1.08x.
What is FISV's revenue and growth?
Fiserv Inc. reported revenue of $21.2B.
Does FISV pay dividends?
Fiserv Inc. does not currently pay dividends.
Where can I find FISV SEC filings?
Official SEC filings for Fiserv Inc. (CIK: 0000798354) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FISV's EPS?
Fiserv Inc. has a diluted EPS of $6.34.
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 rating reflects both perspectives for balanced insights.
Is FISV a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Fiserv Inc. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FISV stock overvalued or undervalued?
Valuation metrics for FISV: ROE of 13.5% (sector avg: 16%), net margin of 16.4% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy FISV stock in 2026?
Our dual AI analysis gives Fiserv Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is FISV's free cash flow?
Fiserv Inc.'s operating cash flow is $6.1B, with capital expenditures of $1.8B. FCF margin is 20.3%.
How does FISV compare to other Services stocks?
Vs Services sector averages: Net margin 16.4% (avg: 10%), ROE 13.5% (avg: 16%), current ratio 1.03 (avg: 1.5).