Fiserv Inc
NYSE:FI
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Intrinsic Value
The intrinsic value of one FI stock under the Base Case scenario is 191.43 USD. Compared to the current market price of 170.02 USD, Fiserv Inc is Undervalued by 11%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Fiserv Inc
Run backtest to discover the historical profit from buying and selling FI based on its intrinsic value.
Analyze the historical link between intrinsic value and market price to make more informed investment decisions.
Fundamental Analysis
![](https://ik.imagekit.io/kkbzr2uz4cp/other/ai-assistant.png)
Fiserv Inc. is a leading global provider of payment and financial services technology, dedicated to transforming how businesses and consumers conduct financial transactions. Founded in 1984 and headquartered in Brookfield, Wisconsin, the company offers a comprehensive suite of solutions that include electronic payments, core banking systems, and financial crime risk management. With a rich history of innovation, Fiserv serves more than 6,000 financial institutions and millions of consumers worldwide, providing them with the tools needed to navigate a rapidly evolving digital landscape. Through strategic acquisitions and organic growth, the company has strengthened its position in the market,...
Fiserv Inc. is a leading global provider of payment and financial services technology, dedicated to transforming how businesses and consumers conduct financial transactions. Founded in 1984 and headquartered in Brookfield, Wisconsin, the company offers a comprehensive suite of solutions that include electronic payments, core banking systems, and financial crime risk management. With a rich history of innovation, Fiserv serves more than 6,000 financial institutions and millions of consumers worldwide, providing them with the tools needed to navigate a rapidly evolving digital landscape. Through strategic acquisitions and organic growth, the company has strengthened its position in the market, allowing it to serve diverse sectors including retail, banking, and insurance.
For investors, Fiserv represents a compelling opportunity in the fintech space, marked by strong financial performance and a commitment to growth. The company has demonstrated robust revenue growth, driven by the ongoing shift to digital payment solutions, and its diverse business model reduces dependency on any single revenue stream. By focusing on customer experience and technological advancements, Fiserv is well positioned to capitalize on emerging trends such as e-commerce and mobile payments. Moreover, the company's consistent investment in research and development speaks to its dedication to maintaining a competitive edge. With a solid outlook, solid cash flows, and strategic collaborations, Fiserv is poised to benefit from the continued evolution of the financial services industry, making it an attractive prospect for investors looking to capitalize on the future of payments technology.
Fiserv Inc. operates in several core business segments that provide a wide range of financial services technology solutions. Below are the primary segments:
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Financial Services: This segment focuses on banking solutions, including core banking systems, payment processing services, and digital banking solutions for financial institutions. It serves a variety of institutions, including banks, credit unions, and other financial service providers.
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Payment Solutions: Fiserv provides an extensive suite of payment processing services, including card processing, electronic payments, and mobile payments. This segment encompasses both consumer and business payment solutions, enhancing the overall transaction experience.
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Merchant Services: This segment caters to businesses by offering payment acceptance solutions, point-of-sale (POS) systems, and integrated commerce solutions. By helping merchants manage transactions effectively, Fiserv enables them to streamline operations and enhance customer experiences.
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Risk & Compliance: Fiserv also offers products related to risk management and compliance, helping financial institutions navigate regulatory requirements. This includes fraud prevention solutions, data analytics, and risk assessment tools.
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Data Analytics: In this segment, Fiserv provides analytics and business intelligence services that harness data to deliver actionable insights. This helps organizations improve decision-making, enhance customer engagement, and tailor services to meet client needs.
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Collection and Recovery: This segment focuses on solutions for debt collection, portfolio management, and recovery services. It assists companies in managing their receivables more effectively.
Each of these segments plays a crucial role in Fiserv's overall strategy, enabling it to serve a broad spectrum of clients within the financial ecosystem and drive innovation in the financial services industry.
Fiserv Inc., as a global leader in financial services technology, possesses several unique competitive advantages that set it apart from its rivals:
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Comprehensive Product Offering: Fiserv provides a wide range of services, including payment processing, banking solutions, risk and compliance management, and customer engagement tools. This extensive suite allows clients to consolidate their financial technology needs, reducing the need for multiple vendors.
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Strong Market Position: Fiserv has a significant presence in the financial sector, serving thousands of financial institutions, including banks and credit unions. This strong market share enhances its bargaining power and instills client confidence.
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Robust Technological Infrastructure: The firm invests heavily in innovation, maintaining advanced technology platforms that improve processing speed, security, and reliability. The integration of AI and machine learning enhances service offerings and operational efficiency.
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Customer-Centric Approach: Fiserv emphasizes customer experience and tailor-made solutions, allowing it to address specific needs and preferences of clients in various sectors. This responsiveness fosters long-term relationships and client loyalty.
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Strategic Acquisitions: Fiserv has a history of successful acquisitions, such as the merger with First Data, which has expanded its capabilities and market reach. These strategic moves have allowed it to integrate new technologies and penetrate new markets.
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Strong Brand Reputation: The company has established a strong reputation for reliability and innovation over decades. This brand strength helps attract and retain clients in a competitive landscape.
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Focus on Compliance and Security: In an industry where regulation and security are paramount, Fiserv prioritizes compliance and risk management. Its reputation for secure, compliant solutions enhances client trust.
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Global Reach: Fiserv operates in multiple geographies, giving it the ability to capitalize on different markets and diversify its revenue streams while also providing localized solutions tailored to specific regions.
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Partnerships and Collaborations: The company has formed partnerships with various players across the financial ecosystem, including fintechs, that augment its offerings and provide clients with innovative solutions.
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Scalability: Fiserv’s platforms and services are designed to be scalable, allowing clients to grow and adapt their solutions as needed without significant disruptions.
These competitive advantages position Fiserv well within the financial services technology landscape, enabling it to maintain a strong market presence and adapt to ongoing changes in the industry.
Fiserv, Inc., a leading provider of financial services technology, faces several risks and challenges in the near future. Here are some of the key considerations:
1. Regulatory Changes
- The financial services industry is heavily regulated. Changes in regulations can impose additional compliance costs, impact service offerings, or limit operational flexibility.
2. Cybersecurity Threats
- As a technology provider handling sensitive financial data, Fiserv faces significant risks from cyberattacks. A data breach could lead to severe reputational damage and financial loss, as well as potential regulatory penalties.
3. Market Competition
- Fiserv operates in a competitive landscape with numerous players, including traditional financial institutions, fintech startups, and other technology providers. Increased competition could lead to pricing pressures and reduced market share.
4. Technological Disruption
- Rapid technological advancements and evolving consumer preferences can threaten existing business models. Fiserv must continuously innovate and adapt to meet the demands of customers for speed, efficiency, and accessibility.
5. Economic Conditions
- Economic downturns can impact the financial services sector. Reduced consumer spending, higher unemployment rates, and increased credit risk can affect transaction volumes and revenue growth.
6. Integration Challenges
- Fiserv has grown through acquisitions, which can present integration challenges. Successfully merging diverse systems, cultures, and operational processes is crucial for realizing the expected synergies.
7. Customer Retention
- The company needs to maintain strong relationships with its clients, including banks, credit unions, and other financial institutions. Failure to provide satisfactory services can lead to customer attrition.
8. Global Operations Risks
- As Fiserv operates globally, it faces risks related to geopolitical events, trade policies, and currency fluctuations. These factors can affect profitability and operational stability.
9. Interest Rate Fluctuations
- Changes in interest rates can impact Fiserv’s business, especially in areas related to payment processing and credit. An unfavorable interest rate environment may affect margins.
10. Talent Acquisition and Retention
- Attracting and retaining skilled employees is crucial, particularly in tech roles where demand is high. Talent shortages or high turnover rates can hinder growth and innovation.
Conclusion
To navigate these risks and challenges, Fiserv must remain agile, continuously monitor the market landscape, and adopt proactive strategies. Regular investment in technology, strong cybersecurity measures, and maintaining customer relationships will be imperative for sustained growth and competitiveness.
Revenue & Expenses Breakdown
Fiserv Inc
Balance Sheet Decomposition
Fiserv Inc
Current Assets | 38.3B |
Cash & Short-Term Investments | 2.8B |
Receivables | 3.7B |
Other Current Assets | 31.8B |
Non-Current Assets | 55.1B |
Long-Term Investments | 2.4B |
PP&E | 2.3B |
Intangibles | 47.4B |
Other Non-Current Assets | 3B |
Current Liabilities | 36.2B |
Accounts Payable | 522m |
Accrued Liabilities | 32.6B |
Short-Term Debt | 794m |
Other Current Liabilities | 2.3B |
Non-Current Liabilities | 29.1B |
Long-Term Debt | 24.4B |
Other Non-Current Liabilities | 4.7B |
Earnings Waterfall
Fiserv Inc
Revenue
|
19.8B
USD
|
Cost of Revenue
|
-7.7B
USD
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Gross Profit
|
12.1B
USD
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Operating Expenses
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-6.7B
USD
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Operating Income
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5.4B
USD
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Other Expenses
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-1.9B
USD
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Net Income
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3.5B
USD
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Free Cash Flow Analysis
Fiserv Inc
USD | |
Free Cash Flow | USD |
Fiserv showed impressive Q2 2024 results with adjusted earnings per share rising 18% to $2.13, driven by a 7% increase in adjusted revenue to $4.8 billion. Organic revenue surged 18%, propelled by robust growth in key sectors like Clover, which saw a 28% revenue boost. Financial Solutions' organic revenue grew by 8%. Fiserv returned $1.5 billion to shareholders through share repurchases. The company raised its full-year EPS guidance to $8.65-$8.80, up from $8.60-$8.75. Despite varied economic conditions, Fiserv remains optimistic, forecasting 15-17% organic revenue growth for 2024.
What is Earnings Call?
FI Profitability Score
Profitability Due Diligence
Fiserv Inc's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
Score
Fiserv Inc's profitability score is 58/100. The higher the profitability score, the more profitable the company is.
FI Solvency Score
Solvency Due Diligence
Fiserv Inc's solvency score is 43/100. The higher the solvency score, the more solvent the company is.
Score
Fiserv Inc's solvency score is 43/100. The higher the solvency score, the more solvent the company is.
Wall St
Price Targets
FI Price Targets Summary
Fiserv Inc
According to Wall Street analysts, the average 1-year price target for FI is 179.93 USD with a low forecast of 131.3 USD and a high forecast of 210 USD.
Shareholder Yield
Current shareholder yield for FI is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
FI Price
Fiserv Inc
Average Annual Return | -1.16% |
Standard Deviation of Annual Returns | 6.41% |
Max Drawdown | -38% |
Market Capitalization | 98.1B USD |
Shares Outstanding | 575 724 992 |
Percentage of Shares Shorted | 1.31% |
Ownership
FI Insider Trading
Buy and sell transactions by insiders
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Profile
Country
Industry
Market Cap
Dividend Yield
Description
Fiserv, Inc. engages in the provision of financial services technology. The company is headquartered in Brookfield, Wisconsin and currently employs 44,000 full-time employees. The firm provides account processing and digital banking solutions, card issuer processing and network services, payments, e-commerce, merchant acquiring and processing, and the Clover cloud-based point-of-sale solution. The Company’s segments include Merchant Acceptance (Acceptance), Financial Technology (Fintech) and Payments and Network (Payments). The Acceptance segment provides a range of commerce-enabling solutions and serves merchants of all sizes around the world. Acceptance solutions enable businesses to securely accept consumers’ electronic payment transactions online or in-person. The Fintech segment provides financial institutions around the world with the technology solutions they need to run their operations. The Payments segment provides financial institutions and corporate clients around the world with the products and services required to process digital payment transactions.
Contact
IPO
Employees
Officers
The intrinsic value of one FI stock under the Base Case scenario is 191.43 USD.
Compared to the current market price of 170.02 USD, Fiserv Inc is Undervalued by 11%.