Fundamental analysis · SEC EDGAR · TTM through 30/06/2026
FISV · Nasdaq · Financial
Fundamental quality
67
out of 100
Fiserv Inc runs like a cash machine: it converts about 18.8% of revenue into free cash flow and holds a 13.4% net margin, though it grows at a measured pace. On fundamental quality it scores 67 out of 100, profiling it as a company of reasonable quality. Its weakest area is its financial strength (net debt 5.32× EBITDA). Whether it's cheap or expensive depends on the current price, which you can compute in the tool.
Fiserv is the plumbing of American payments and banking: it processes card transactions for millions of merchants with Clover, its star terminal, and runs the internal technology of thousands of small and mid-sized banks. Invisible to the user, indispensable to the system.
EPS growth: 27.1% · Revenue growth: 6.4%
Net margin: 13.4% · ROE: 10.4% · ROIC: 7%
Net debt/EBITDA: 5.32x · FCF: 18.8%
Source: SEC EDGAR · TTM through 30/06/2026
The score combines growth, profitability and financial strength. Here its growth weighs in its favor, while its financial strength drags it down the most.
Percentile against the other 71 Financial companies in our coverage: how far it beats them on each metric (100 = best in sector).
Computed from the daily dataset scores. A high percentile places the company among the best in its sector on that metric; it is not a buy recommendation.
Key concepts
What do these metrics mean? Fundamental analysis · What is the P/E · What is EPS · What is ROE · Net & gross margin · Free cash flow
| Year | Revenue | Net income | Free cash flow | Net debt |
|---|---|---|---|---|
| 2020 | 14,852 | 958 | 3,247 | 19,778 |
| 2021 | 16,226 | 1,334 | 2,874 | 20,402 |
| 2022 | 17,737 | 2,530 | 3,139 | 20,516 |
| 2023 | 19,093 | 3,068 | 3,774 | 21,914 |
| 2024 | 20,456 | 3,131 | 5,062 | 23,604 |
| 2025 | 21,193 | 3,480 | 4,299 | 28,199 |
Between 2020 and 2025, revenue went from $14,852M to $21,193M (+43%) and net income went from $958M to $3,480M (+263%). Meanwhile, its margins have widened (from 6% to 16%).
Annual figures in millions of U.S. dollars ($M) per SEC filings. Net debt is total debt minus cash.
Latest results
Figures for the half-year ended June 30, 2026, versus the half-year ended June 30, 2025 (SEC filings):
Compared with the previous close (March 31, 2026), this is what moved in its accounts:
Automatic comparison between the two most recent periods filed with the SEC. One quarter doesn't make a trend: read it alongside the historical evolution above.
This company doesn't pay a dividend: it reinvests all its earnings back into the business.
Open your account in minutes with regulated brokers and buy U.S. and European stocks from small amounts. No paperwork.
The serious investor's standard
Open free account →Anyone who wants low commissions and access to almost any market in the world.
Popular in the U.S.
Open free account →Anyone investing in the U.S. who wants a powerful, commission-free stock app.
Investing carries risk of loss.
Is Fiserv Inc cheap or expensive?
That depends on the current price. Look it up, enter it in the tool and get the full valuation verdict (P/E against its sector).
Compute the valuation →Is Fiserv Inc a good company to invest in?
In terms of business quality, Fiserv Inc scores 67 out of 100 in our analysis, placing it as a company of reasonable quality. That said, this isn't a recommendation: whether it's a good investment also depends on its current price and your goals.
Is Fiserv Inc a profitable company?
Yes. Fiserv Inc shows a net margin of 13.4% and an ROE of 10.4%, a sign of a profitable business.
Does Fiserv Inc have a lot of debt?
Yes, its leverage is high: net debt is 5.32 times its EBITDA, and it has been rising.
Is Fiserv Inc growing?
Its revenue has grown 6.4% annualized in recent years and its earnings per share 27.1%, and without interruption since 2020.
Does Fiserv Inc generate cash?
Yes. It converts about 18.8% of its revenue into free cash flow, and has done so positively year after year.
The thresholds are general and the system doesn't judge qualitative factors. See the full methodology and use this analysis as a first filter, never as a final decision.
More Financial companies
Blackstone (BX) · Chubb (CB) · Intercontinental Exchange (ICE) · PayPal (PYPL) · CME Group (CME) · U.S. Bancorp (USB) · see more →
Who's behind the methodology and model · how the score is computed
Data: see Fiserv Inc's filings on EDGAR
Spotted a figure that looks wrong? Report it and we'll review it.