Fiserv/$FISV
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About Fiserv
Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Following its 2019 merger with First Data, Fiserv also provides payment processing services to merchants. About 10% of the company's revenue is generated internationally.
Ticker
$FISV
Sector
Primary listing
Employees
38,000
Headquarters
Website
Fiserv Metrics
BasicAdvanced
$35B
9.92
$6.48
0.79
-
Price and volume
Market cap
$35B
Beta
0.79
52-week high
$238.59
52-week low
$60.95
Average daily volume
13M
Financial strength
Current ratio
1.08
Quick ratio
0.225
Long term debt to equity
114.843
Total debt to equity
120.104
Interest coverage (TTM)
4.10%
Profitability
EBITDA (TTM)
9,194
Gross margin (TTM)
60.48%
Net profit margin (TTM)
17.05%
Operating margin (TTM)
28.72%
Effective tax rate (TTM)
18.12%
Revenue per employee (TTM)
$560,000
Management effectiveness
Return on assets (TTM)
4.77%
Return on equity (TTM)
13.54%
Valuation
Price to earnings (TTM)
9.919
Price to revenue (TTM)
1.685
Price to book
1.39
Price to tangible book (TTM)
-1.55
Price to free cash flow (TTM)
7.71
Free cash flow yield (TTM)
12.97%
Free cash flow per share (TTM)
8.335
Growth
Revenue change (TTM)
5.16%
Earnings per share change (TTM)
24.82%
3-year revenue growth (CAGR)
6.81%
10-year revenue growth (CAGR)
15.06%
3-year earnings per share growth (CAGR)
26.85%
10-year earnings per share growth (CAGR)
16.07%
What the Analysts think about Fiserv
Analyst ratings (Buy, Hold, Sell) for Fiserv stock.
Bulls say / Bears say
Fiserv has entered a multi-year Strategic Managed Services deal with TD Bank Group to migrate 3,400 TD merchant relationships and 30,000 locations to its Clover platform. This move will greatly expand its Canadian presence and merchant network (Reuters).
The planned $2 billion sale of Canadian payments joint venture Moneris by RBC and BMO signals accelerating industry consolidation, opening major M&A opportunities for Fiserv to deepen its reach in the Canadian market (Reuters).
Fiserv’s forthcoming FIUSD—a stablecoin designed for banks on Solana, launched with Circle, Paxos, PayPal, and Mastercard—puts the company at the forefront of digital asset adoption. Integrating FIUSD into its network of 10,000 financial institutions and 6 million merchant locations allows Fiserv to capitalize on new fintech payment flows at scale (Barron's).
Fiserv’s Q3 adjusted EPS of $2.04 fell well short of analysts’ consensus of $2.64, a 22% miss, prompting the company to cut its full-year organic revenue growth guidance from 10% down to 3.5–4%. Shares plummeted nearly 41% in a single day to their lowest level in over five years (AP News).
The company’s outsized reliance on high-growth operations in Argentina—driving much of its 2024 expansion—left Fiserv exposed to sharp political and economic volatility under President Milei. This vulnerability was a key driver of its severe guidance revision and highlights management’s miscalculation of emerging-market risks (Financial Times).
Fiserv’s main U.S. bank services segment is shrinking, and growth at its Clover merchant-solutions business has slowed. Competition from players like Square, Shopify, and other fintechs is eating into market share, clouding Fiserv’s prospects for sustainable, high-quality growth (Financial Times).
Data summarised monthly by Lightyear AI. Last updated on 11 Nov 2025.
Fiserv Financial Performance
Revenues and expenses
Fiserv Earnings Performance
Company profitability
Fiserv News
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FAQs
What’s the current market cap for Fiserv stock?
Fiserv (FISV) has a market cap of $35B as of November 12, 2025.
What is the P/E ratio for Fiserv stock?
The price to earnings (P/E) ratio for Fiserv (FISV) stock is 9.92 as of November 12, 2025.
Does Fiserv stock pay dividends?
No, Fiserv (FISV) stock does not pay dividends to its shareholders as of November 12, 2025.
When is the next Fiserv dividend payment date?
Fiserv (FISV) stock does not pay dividends to its shareholders.
What is the beta indicator for Fiserv?
Fiserv (FISV) has a beta rating of 0.79. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.