Fidelity National Information Services, Inc. (FIS) Stock Analysis — Fair Value, Risk & Moat Rating
NYQ · Technology · Information Technology Services
Is Fidelity National Information Services, Inc. a safe investment right now?
Fidelity National Information Services, Inc.'s Altman Z-Score of 0.17 places it in the distress zone. Our fair value estimate is $117.60 (Strong Buy Zone). Moat rating: 2.6/5 stars.
Could Fidelity National Information Services, Inc. go bankrupt? Altman Z-Score analysis
Z-Score of 0.17 falls below the 1.8 distress threshold, indicating significant financial stress.
- Below 1.8 — Distress Zone (high bankruptcy risk)
- 1.8 to 3.0 — Gray Zone (elevated uncertainty)
- Above 3.0 — Safe Zone (financially healthy)
What drives FIS's Z-Score?
| Component | Formula | Value | Weight | Contribution |
|---|---|---|---|---|
| A · Working Capital / Total Assets | WC / TA | -0.0934 | 1.2 | -0.11 |
| B · Retained Earnings / Total Assets | RE / TA | -0.6784 | 1.4 | -0.95 |
| C · EBIT / Total Assets | EBIT / TA | 0.0468 | 3.3 | 0.15 |
| D · Market Cap / Total Liabilities | MCap / TL | 1.2649 | 0.6 | 0.76 |
| E · Revenue / Total Assets | Rev / TA | 0.3188 | 1.0 | 0.32 |
How has FIS's financial health changed over time?
| Year | Z-Score | Zone |
|---|---|---|
| 2022 | 0.23 | Distress |
| 2023 | -0.01 | Distress |
| 2024 | 0.33 | Distress |
| 2025 | 0.17 | Distress |
Source: Calculated from FIS's latest 10-K filing on SEC EDGAR.
What is Fidelity National Information Services, Inc. actually worth?
How we calculated this
| Input | Value | Source |
|---|---|---|
| Predicted EPS (α) | $2.94 | Proprietary blend of reported actuals + analyst consensus, weighted by α |
| Last Year EPS | $0.73 | Annual report (SEC EDGAR) |
| Analyst Consensus EPS (This Year) | $6.27 | 21 analysts consensus |
| Trailing P/E | 65.5x | Current market pricing |
| Fair P/E (β discount) | 40.0x | Trailing PE adjusted by value discount factor β, hard-capped |
| Earnings Trend (γ) | Accelerating | Directional signal: predicted vs trailing EPS |
Wall Street Reference: Analyst consensus target price is $65.29 (21 analysts). This is shown for reference only and is not used in our valuation model.
Source: Earnings data from SEC EDGAR filings. Market data via Yahoo Finance.
Does Fidelity National Information Services, Inc. have a durable competitive advantage?
Moat rating: 2.6/5.
What makes up FIS's moat score?
ROIC Stability
ROIC variability over the past decade. Score: 2/5.
Gross Margin Trend
Gross margin trajectory over the past decade. Score: 3/5.
Switching Costs
Estimated customer lock-in based on margin level. Score: 3/5.
How stable is FIS's return on invested capital?
| Year | ROIC | Trend |
|---|---|---|
| 2022 | 2.5% | — |
| 2023 | 3.6% | Rising |
| 2024 | 6.1% | Rising |
| 2025 | 5.8% | Stable |
Source: ROIC calculated from SEC EDGAR filings.
Is Fidelity National Information Services, Inc.'s dividend safe?
Can Fidelity National Information Services, Inc. afford its dividend?
Payout ratio is 219.2%. FCF covers the dividend 0.6x. 24 consecutive years of payments.
Fidelity National Information Services, Inc.'s key financial metrics
| Metric | Latest | 1Y Ago | 3Y Ago | Trend |
|---|---|---|---|---|
| Revenue | $10.7B | $10.1B | $9.7B | Rising |
| Net Income | $0.4B | $1.4B | −$16.8B | Rising |
| Free Cash Flow | $1.8B | $1.3B | $0.6B | Rising |
| Gross Margin | 36.9% | 37.6% | 35.6% | Stable |
Recent events that affect our FIS analysis
FIS earnings report scheduled
Upcoming report. Consensus EPS estimate: $1.29. Revenue estimate: $3.28B. Our current Fair Value: $117.60 — a significant beat or miss could shift this estimate.
FIS analyst consensus: 62% bullish (16 of 26 analysts)
4 Strong Buy, 12 Buy, 9 Hold, 0 Sell, 1 Strong Sell. Consensus target: $65.29 (36.5% upside). Compare with our independent Fair Value: $117.60.
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS paid $0.4400/share dividend
Dividend Safety Grade: C. Payout ratio: 219.2%.
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS missed EPS estimates by 0.5%
Reported EPS: $1.68 vs estimate $1.69. Our Fair Value of $117.60 may face downward pressure if the trend continues.
FIS filed annual report (10-K)
Annual filing with full-year financials. Our Altman Z-Score, Moat, and Fair Value models are derived from this data. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS paid $0.4000/share dividend
Dividend Safety Grade: C. Payout ratio: 219.2%.
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS beat EPS estimates by 1.7%
Reported EPS: $1.51 vs estimate $1.48. Earnings strength supports our Fair Value of $117.60 (145.8% above current price).
FIS filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS paid $0.4000/share dividend
Dividend Safety Grade: C. Payout ratio: 219.2%.
FIS beat EPS estimates by 0.1%
Reported EPS: $1.36 vs estimate $1.36. Earnings strength supports our Fair Value of $117.60 (145.8% above current price).
FIS filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS paid $0.4000/share dividend
Dividend Safety Grade: C. Payout ratio: 219.2%.
FIS beat EPS estimates by 1.1%
Reported EPS: $1.21 vs estimate $1.20. Earnings strength supports our Fair Value of $117.60 (145.8% above current price).
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
FIS paid $0.4000/share dividend
Dividend Safety Grade: C. Payout ratio: 219.2%.
FIS filed annual report (10-K)
Annual filing with full-year financials. Our Altman Z-Score, Moat, and Fair Value models are derived from this data. View on SEC EDGAR →
FIS beat EPS estimates by 2.4%
Reported EPS: $1.39 vs estimate $1.36. Earnings strength supports our Fair Value of $117.60 (145.8% above current price).
FIS filed 8-K (material event)
8-K filings disclose material events — acquisitions, leadership changes, or guidance revisions that may affect valuation. View on SEC EDGAR →
Common questions about Fidelity National Information Services, Inc.
What is Fidelity National Information Services, Inc. stock price today?
Fidelity National Information Services, Inc. (FIS) stock price is $47.84 as of the latest market close, traded on the NYSE exchange.
What does Fidelity National Information Services, Inc. do?
Fidelity National Information Services, Inc. provides solutions to financial institutions, businesses, and developers worldwide. It operates through Banking Solutions, Capital Market Solutions, and Corporate and Other segments.
What is Fidelity National Information Services, Inc. market cap?
Fidelity National Information Services, Inc. has a market capitalization of $24.77B, classifying it as a large-cap stock in the Technology sector.
What sector and industry is FIS in?
Fidelity National Information Services, Inc. operates in the Technology sector, specifically within the Information Technology Services industry. It trades on the NYSE under the ticker symbol FIS.
Is FIS stock overvalued or undervalued?
Based on our valuation model, Fidelity National Information Services, Inc. trades 59.3% below our fair value estimate — potentially undervalued.
- FairValueLabs Fair Value: $117.60
- Current Price: $47.84
- Valuation Zone: Strong Buy Zone
What is FIS stock forecast and analyst target price?
Based on 21 Wall Street analysts, the consensus price target for Fidelity National Information Services, Inc. is $65.29, implying upside of 36.5% from the current price.
- Analyst High Target: $85.00
- Analyst Low Target: $40.00
Note: Analyst targets are shown for reference and are not used in our valuation model.
Is Fidelity National Information Services, Inc. revenue and earnings growing?
Here are the analyst consensus growth estimates for Fidelity National Information Services, Inc.:
- Revenue growth (current year est.): 29.1%
- EPS growth (current year est.): 9.0%
- Revenue growth (next year est.): 4.8%
- EPS growth (next year est.): 10.1%
What are Fidelity National Information Services, Inc.'s key financial metrics?
| Metric | Latest | Trend |
|---|---|---|
| Revenue | $10.7B | Rising |
| Net Income | $0.4B | Rising |
| Free Cash Flow | $1.8B | Rising |
| Gross Margin | 36.9% | Stable |
What is FIS's P/E ratio?
The price-to-earnings ratio measures how much investors pay per dollar of earnings:
- Trailing P/E (last 12 months): 65.5x
- Forward P/E (next 12 months est.): 6.9x
- FairValueLabs Fair P/E: 40.0x
How volatile is FIS stock?
Fidelity National Information Services, Inc. has a beta of 0.91, meaning it is roughly in line with overall market volatility. A beta above 1.0 indicates higher price swings relative to the S&P 500, while below 1.0 suggests more stability.
How much cash and debt does Fidelity National Information Services, Inc. have?
Fidelity National Information Services, Inc.'s balance sheet shows:
- Total Cash: $599.0M
- Total Debt: $13.33B
- Net Cash Position: $-12.73B
A positive net cash position means the company holds more cash than debt, reducing financial risk.
What is Fidelity National Information Services, Inc.'s free cash flow?
Fidelity National Information Services, Inc. generated $1.89B in trailing twelve-month free cash flow (from $2.82B in operating cash flow). Free cash flow represents the cash available for dividends, buybacks, and debt reduction after all capital expenditures.
Does Fidelity National Information Services, Inc. pay a dividend, and is it safe?
Yes, Fidelity National Information Services, Inc. pays a regular dividend. Here are the key metrics:
- Dividend Yield: 3.4%
- Payout Ratio: 219.2%
- Consecutive Years Paid: 24
- 5-Year Dividend Growth: -22.4%
- FairValueLabs Safety Grade: C
Is Fidelity National Information Services, Inc. at risk of going bankrupt?
Fidelity National Information Services, Inc.'s Altman Z-Score is 0.17, placing it in the distress zone (below 1.8) — elevated bankruptcy risk. The Z-Score uses five balance sheet ratios to predict bankruptcy probability within two years.
Does Fidelity National Information Services, Inc. have a durable competitive advantage?
Fidelity National Information Services, Inc. scores 2.6/5 stars (Narrow moat · eroding) in our moat analysis:
- ROIC Stability: 2/5
- Gross Margin Trend: 3/5
- Switching Costs: 3/5
A score above 3.5 suggests meaningful pricing power and a defensible market position.
What is FIS's return on equity (ROE)?
Fidelity National Information Services, Inc.'s return on equity is 2.6%. ROE measures how efficiently a company generates profits from shareholder equity. An ROE above 15% is generally considered strong, while below 10% may signal inefficiency.
How do I buy FIS stock?
FIS shares can be purchased through any brokerage account that provides access to the NYSE. Common steps:
- Open an account with a broker (e.g., Fidelity, Schwab, Interactive Brokers)
- Search for ticker symbol FIS
- Place a market or limit order for your desired number of shares
This is not investment advice. Always do your own research before buying any stock.
Is FIS a value stock or speculative?
FairValueLabs classifies Fidelity National Information Services, Inc. as Value-Speculation. It has some value characteristics but carries elevated risk factors that make it speculative. Extra due diligence is recommended.
Who is the CEO of Fidelity National Information Services, Inc.?
The current CEO of Fidelity National Information Services, Inc. is Ms. Stephanie L. Ferris.
What is FIS's earnings per share (EPS)?
Earnings per share measures the company's profit allocated to each outstanding share:
- Trailing EPS (last 12 months): $0.73
- Forward EPS (next 12 months est.): $6.90
- Analyst consensus EPS (this year): $6.27
- Analyst consensus EPS (next year): $6.90
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FairValueLabs Disclaimer
All valuations, scores, ratings, and classifications on this page are produced by the FairValueLabs internal valuation system. They do not represent actual market value, guaranteed outcomes, or professional investment advice. These are analytical estimates for educational and research purposes only.
This is not financial advice. All data is sourced from SEC EDGAR public filings. Always consult a qualified financial advisor before making investment decisions.
Last updated: Apr 22, 2026. Data sources: SEC EDGAR (financial statements), Yahoo Finance (market data, analyst consensus). Data may not reflect the most recent quarter.
FIS analysis methodology: How we calculate fair value, Z-Scores, and moat ratings