Fiserv (FISV) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Fiserv

NasdaqGS

$49.30-0.15(<0.01%)Pre-market

Market Cap

$26.26B

P/E

9.4x

P/S

1.3x

P/B

1.0x

How this company scores

AverageMetricSide Score: 57/100

Strongest: Profitability (17/25); weakest: Growth (8/25).

Profitability17/25

Growth8/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality16/25

Strengths

Strong marginsCash-backed earningsConsistent free cash flowImproving leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.4x5y range 9.1x – 56.3x

Currently below its 20-quarter median.

P/S · 1.3x5y range 1.3x – 6.0x

Currently below its 20-quarter median.

P/B · 1.0x5y range 1.0x – 4.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 26.0% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Price & Volume

Market Cap $26.26B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $20.87B
Q. Revenue: $5.29B
TTM EBITDA: $4.66B
TTM Op. Income: $4.66B
Q. Op. Income: $1.01B
TTM Net Income: $2.80B
Q. Net Income: $627.00M
EPS: $1.18
Shares Out.: $532.60M

$20.87B in TTM revenue declined 1.2% YoY, reaching $5.29B last quarter. TTM EBITDA of $4.66B and TTM operating income of $4.66B show growth is flowing through to the bottom line. TTM net income of $2.80B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 19.2%
Op. Margin: 19.2%
Net Margin: 11.8%

Op. margin of 19.2% is down 11.6% YoY — costs are rising relative to revenue. Net margin at 11.8% Over the past year, operating margin is down 38% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.4x
P/S Ratio: 1.3x
P/B Ratio: 1.0x

At 9.4x P/E, the stock trades below typical market levels. P/S of 1.3x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 67% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $80.89B
Cash: $627.00M
Long-Term Debt: $26.68B
Book Value: $26.90B
D/E Ratio: 1.0
Debt/EBITDA: 26.3

With $80.89B in assets and $26.68B in long-term debt, D/E is 1.0and book value is $26.90B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 3 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.48B
TTM Free Cash Flow: $3.93B
FCF Margin: 18.8%
FCF / Net Income: 1.4

TTM FCF of $3.93B on $1.48B in operating cash flow. The FCF / Net Income ratio of 1.4x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 4 consecutive quarters — a weakening trend.