Fiserv, Inc. (FISV) Stock Analysis — Fair Value, Risk & Moat Rating
NMS · ·
Is Fiserv, Inc. a safe investment right now?
Fiserv, Inc.'s Altman Z-Score of 1.36 places it in the distress zone. Our fair value estimate is $59.92 (Fairly Valued). Moat rating: 3.3/5 stars.
Could Fiserv, Inc. go bankrupt? Altman Z-Score analysis
Z-Score of 1.36 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 FISV's Z-Score?
| Component | Formula | Value | Weight | Contribution |
|---|---|---|---|---|
| A · Working Capital / Total Assets | WC / TA | 0.0095 | 1.2 | 0.01 |
| B · Retained Earnings / Total Assets | RE / TA | 0.3376 | 1.4 | 0.47 |
| C · EBIT / Total Assets | EBIT / TA | 0.0723 | 3.3 | 0.24 |
| D · Market Cap / Total Liabilities | MCap / TL | 0.6227 | 0.6 | 0.37 |
| E · Revenue / Total Assets | Rev / TA | 0.2645 | 1.0 | 0.26 |
How has FISV's financial health changed over time?
| Year | Z-Score | Zone |
|---|---|---|
| 2022 | 1.05 | Distress |
| 2023 | 1.06 | Distress |
| 2024 | 1.37 | Distress |
| 2025 | 1.36 | Distress |
Source: Calculated from FISV's latest 10-K filing on SEC EDGAR.
What is Fiserv, Inc. actually worth?
How we calculated this
| Input | Value | Source |
|---|---|---|
| Predicted EPS (α) | $7.05 | Proprietary blend of reported actuals + analyst consensus, weighted by α |
| Last Year EPS | $6.34 | Annual report (SEC EDGAR) |
| Analyst Consensus EPS (This Year) | $8.12 | 26 analysts consensus |
| Trailing P/E | 10.0x | Current market pricing |
| Fair P/E (β discount) | 8.5x | Trailing PE adjusted by value discount factor β, hard-capped |
| Earnings Trend (γ) | Stable | Directional signal: predicted vs trailing EPS |
Wall Street Reference: Analyst consensus target price is $74.42 (26 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 Fiserv, Inc. have a durable competitive advantage?
Moat rating: 3.3/5.
What makes up FISV's moat score?
ROIC Stability
ROIC variability over the past decade. Score: 3/5.
Gross Margin Trend
Gross margin trajectory over the past decade. Score: 4/5.
Switching Costs
Estimated customer lock-in based on margin level. Score: 3/5.
How stable is FISV's return on invested capital?
| Year | ROIC | Trend |
|---|---|---|
| 2022 | 7.1% | — |
| 2023 | 9.4% | Rising |
| 2024 | 11.3% | Rising |
| 2025 | 11.0% | Stable |
Source: ROIC calculated from SEC EDGAR filings.
Is Fiserv, Inc.'s dividend safe?
Fiserv, Inc.'s key financial metrics
| Metric | Latest | 1Y Ago | 3Y Ago | Trend |
|---|---|---|---|---|
| Revenue | $21.2B | $20.5B | $17.7B | Rising |
| Net Income | $3.5B | $3.1B | $2.5B | Rising |
| Free Cash Flow | $4.3B | $5.1B | $3.1B | Rising |
| Gross Margin | 59.4% | 60.8% | 54.9% | Rising |
Recent events that affect our FISV analysis
FISV earnings report scheduled
Upcoming report. Consensus EPS estimate: $1.58. Revenue estimate: $4.74B. Our current Fair Value: $59.92 — a significant beat or miss could shift this estimate.
FISV analyst consensus: 26% bullish (9 of 35 analysts)
3 Strong Buy, 6 Buy, 25 Hold, 1 Sell, 0 Strong Sell. Consensus target: $74.42 (17.6% upside). Compare with our independent Fair Value: $59.92.
FISV 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 →
FISV 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 →
FISV beat EPS estimates by 4.6%
Reported EPS: $1.99 vs estimate $1.90. Earnings strength supports our Fair Value of $59.92 (5.3% below current price).
FISV 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 →
FISV filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FISV missed EPS estimates by 22.9%
Reported EPS: $2.04 vs estimate $2.65. Our Fair Value of $59.92 may face downward pressure if the trend continues.
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FISV beat EPS estimates by 1.5%
Reported EPS: $2.47 vs estimate $2.43. Earnings strength supports our Fair Value of $59.92 (5.3% below current price).
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV filed quarterly report (10-Q)
Quarterly update with interim financials. May signal changes to earnings trajectory and balance sheet health. View on SEC EDGAR →
FISV beat EPS estimates by 3.1%
Reported EPS: $2.14 vs estimate $2.08. Earnings strength supports our Fair Value of $59.92 (5.3% below current price).
FISV 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 →
FISV 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 →
FISV 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 →
FISV 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 →
FISV beat EPS estimates by 1.2%
Reported EPS: $2.51 vs estimate $2.48. Earnings strength supports our Fair Value of $59.92 (5.3% below current price).
FISV 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 →
FISV 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 Fiserv, Inc.
What is Fiserv, Inc. stock price today?
Fiserv, Inc. (FISV) stock price is $63.26 as of the latest market close, traded on the NASDAQ exchange.
What is Fiserv, Inc. market cap?
Fiserv, Inc. has a market capitalization of $33.83B, classifying it as a large-cap stock in the sector.
What sector and industry is FISV in?
Fiserv, Inc. operates in the sector, specifically within the industry. It trades on the NASDAQ under the ticker symbol FISV.
Is FISV stock overvalued or undervalued?
Based on our valuation model, Fiserv, Inc. trades 5.6% above our fair value estimate — potentially overvalued.
- FairValueLabs Fair Value: $59.92
- Current Price: $63.26
- Valuation Zone: Fairly Valued
What is FISV stock forecast and analyst target price?
Based on 26 Wall Street analysts, the consensus price target for Fiserv, Inc. is $74.42, implying upside of 17.6% from the current price.
- Analyst High Target: $115.00
- Analyst Low Target: $50.00
Note: Analyst targets are shown for reference and are not used in our valuation model.
Is Fiserv, Inc. revenue and earnings growing?
Here are the analyst consensus growth estimates for Fiserv, Inc.:
- Revenue growth (current year est.): 1.5%
- EPS growth (current year est.): -6.0%
- Revenue growth (next year est.): 4.1%
- EPS growth (next year est.): 11.2%
What are Fiserv, Inc.'s key financial metrics?
| Metric | Latest | Trend |
|---|---|---|
| Revenue | $21.2B | Rising |
| Net Income | $3.5B | Rising |
| Free Cash Flow | $4.3B | Rising |
| Gross Margin | 59.4% | Rising |
What is FISV's P/E ratio?
The price-to-earnings ratio measures how much investors pay per dollar of earnings:
- Trailing P/E (last 12 months): 10.0x
- Forward P/E (next 12 months est.): 7.0x
- FairValueLabs Fair P/E: 8.5x
How volatile is FISV stock?
Fiserv, Inc. has a beta of 1.00, 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.
Does Fiserv, Inc. pay a dividend?
Fiserv, Inc. does not currently pay a regular dividend to shareholders. The company may be reinvesting all profits back into growth, or it may have suspended its dividend.
Is Fiserv, Inc. at risk of going bankrupt?
Fiserv, Inc.'s Altman Z-Score is 1.36, 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 Fiserv, Inc. have a durable competitive advantage?
Fiserv, Inc. scores 3.3/5 stars (Narrow moat) in our moat analysis:
- ROIC Stability: 3/5
- Gross Margin Trend: 4/5
- Switching Costs: 3/5
A score above 3.5 suggests meaningful pricing power and a defensible market position.
How do I buy FISV stock?
FISV shares can be purchased through any brokerage account that provides access to the NASDAQ. Common steps:
- Open an account with a broker (e.g., Fidelity, Schwab, Interactive Brokers)
- Search for ticker symbol FISV
- 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 FISV a value stock or speculative?
FairValueLabs classifies Fiserv, Inc. as Pure Speculation. It lacks the financial stability or valuation margin typically required for value investing. This stock is considered high risk.
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.
FISV analysis methodology: How we calculate fair value, Z-Scores, and moat ratings