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Fiserv, Inc.(FISV)Earnings, Financials & Key Ratios
FISV•NASDAQ
7.5× P/E·Price updated Jun 19, 2026
AboutFiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.Show more
- Revenue$21.19B+3.6%
- EBITDA$8.86B-1.3%
- Net Income$3.48B+11.1%
- EPS (Diluted)6.34+17.8%
- Gross Margin59.36%-2.4%
- EBITDA Margin41.8%-4.7%
- Operating Margin26.89%-6.4%
- Net Margin16.42%+7.3%
- ROE13.01%+21.2%
FISV Key Insights
Fiserv, Inc. (FISV) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 29.4%
- ✓FCF machine: 20.5% free cash flow margin
- ✓High quality earnings: Operating CF exceeds net income
- ✓Share count reduced 5.7% through buybacks
- ✓Healthy 5Y average net margin of 14.1%
- ✓Trading at only 1.0x book value
✗Weaknesses
- ✗Weak momentum: RS Rating 13 (bottom 13%)
- ✗Trading more than 30% below 52-week high
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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FISV Price & Volume
Fiserv, Inc. (FISV) stock price & volume — 10-year historical chart
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FISV Growth Metrics
Fiserv, Inc. (FISV) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.97%
5 Years7.37%
3 Years6.11%
TTM1.87%
Profit CAGR
10 Years17.2%
5 Years29.43%
3 Years11.21%
TTM-1.45%
EPS CAGR
10 Years15.5%
5 Years35.27%
3 Years17.58%
TTM4.24%
Return on Capital
10 Years10.45%
5 Years7.97%
3 Years9.82%
Last Year10.24%
FISV Recent Earnings
Fiserv, Inc. (FISV) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 5, 2026Metric
Actual
Est
EPS
$1.79+14.0%
$1.57
Rev
$4.7B-1.1%
$4.7B
Q1 2026
Feb 10, 2026Metric
Actual
Est
EPS
$1.99+4.7%
$1.90
Rev
$4.9B-0.1%
$4.9B
Q4 2025
Oct 29, 2025Metric
Actual
Est
EPS
$2.04-22.7%
$2.64
Rev
$5.3B-1.5%
$5.3B
Q3 2025
Jul 23, 2025Metric
Actual
Est
EPS
$2.47+1.6%
$2.43
Rev
$5.5B+6.2%
$5.2B
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 5, 2026 | $1.79vs $1.57+14.0% | $4.7Bvs $4.7B-1.1% |
| Q1 2026 | Feb 10, 2026 | $1.99vs $1.90+4.7% | $4.9Bvs $4.9B-0.1% |
| Q4 2025 | Oct 29, 2025 | $2.04vs $2.64-22.7% | $5.3Bvs $5.3B-1.5% |
| Q3 2025 | Jul 23, 2025 | $2.47vs $2.43+1.6% | $5.5Bvs $5.2B+6.2% |
Based on last 12 quarters of dataView full earnings history →
FISV Peer Comparison
Fiserv, Inc. (FISV) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FIS | 19.75B | 38.21 | 50.95 | 5.43% | 22.91% | 18.45% | 0.29 | |
 GPN | 15.83B | 66.88 | 11.47 | -23.75% | -7.99% | -2.96% | 0.92 | |
 JKHY | 9.14B | 126.23 | 20.23 | 7.21% | 20.64% | 24.03% | ||
 V | 627.79B | 327.24 | 32.08 | 11.34% | 51.68% | 58.9% | 0.66 | |
 MA | 433.57B | 489.79 | 29.65 | 16.42% | 45.88% | 205.79% | 2.45 | |
 AXP | 231.9B | 338.16 | 21.99 | 8.44% | 13.61% | 33.95% | 1.73 | |
 PAYX | 35.27B | 98.24 | 21.45 | 5.56% | 26.45% | 41.13% | 1.22 | |
 WEX | 4.42B | 127.53 | 15.06 | 1.24% | 11.5% | 26.96% | 3.94 |
Compare FISV vs Peers
Fiserv, Inc. (FISV) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FISV Income Statement
Fiserv, Inc. (FISV) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 5.7B | 5.82B | 10.19B | 14.85B | 16.23B | 17.74B | 19.09B | 20.46B | 21.19B | 21.09B |
Revenue Growth % | 3.47% | 2.23% | 74.94% | 45.79% | 9.25% | 9.31% | 7.65% | 7.14% | 3.6% | 1.87% |
Cost of Goods Sold | 3.02B | 3.07B | 5.31B | 7.81B | 8.13B | 7.99B | 7.67B | 8.01B | 8.61B | 6.54B |
COGS % of Revenue | 53.09% | 52.7% | 52.12% | 52.6% | 50.09% | 45.06% | 40.17% | 39.17% | 40.64% | - |
Gross Profit | 2.67B▲ 0% | 2.75B▲ 3.1% | 4.88B▲ 77.1% | 7.04B▲ 44.3% | 8.1B▲ 15.0% | 9.74B▲ 20.3% | 11.42B▲ 17.2% | 12.44B▲ 8.9% | 12.58B▲ 1.1% | 12.82B▲ 0% |
Gross Margin % | 46.91% | 47.3% | 47.88% | 47.4% | 49.91% | 54.94% | 59.83% | 60.83% | 59.36% | 60.77% |
Gross Profit Growth % | 4.95% | 3.07% | 77.12% | 44.32% | 15.03% | 20.34% | 17.22% | 8.93% | 1.11% | - |
Operating Expenses | 1.14B | 1B | 3.27B | 5.19B | 5.81B | 6B | 6.41B | 6.56B | 6.88B | 7.11B |
OpEx % of Revenue | 20.01% | 17.19% | 32.09% | 34.93% | 35.81% | 33.86% | 33.57% | 32.09% | 32.48% | - |
Selling, General & Admin | 1.15B | 1.23B | 3.28B | 5.65B | 5.81B | 6.06B | 6.58B | 6.56B | 6.88B | 7.09B |
SG&A % of Revenue | 20.19% | 21.09% | 32.24% | 38.06% | 35.81% | 34.16% | 34.44% | 32.09% | 32.48% | - |
Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
Other Operating Expenses | -10M | -227M | -15M | -464M | 0 | -54M | -167M | 0 | 0 | 1000K |
Operating Income | 1.53B▲ 0% | 1.75B▲ 14.4% | 1.61B▼ 8.2% | 1.85B▲ 15.1% | 2.29B▲ 23.5% | 3.74B▲ 63.5% | 5.01B▲ 34.1% | 5.88B▲ 17.3% | 5.7B▼ 3.1% | 5.14B▲ 0% |
Operating Margin % | 26.9% | 30.1% | 15.79% | 12.47% | 14.1% | 21.09% | 26.26% | 28.74% | 26.89% | 24.36% |
Operating Income Growth % | 6.02% | 14.43% | -8.21% | 15.1% | 23.54% | 63.46% | 34.06% | 17.25% | -3.08% | - |
EBITDA | 1.96B | 2.3B | 3.26B | 5.06B | 5.48B | 6.91B | 8.13B | 8.97B | 8.86B | 7.53B |
EBITDA Margin % | 34.43% | 39.46% | 32% | 34.08% | 33.8% | 38.95% | 42.61% | 43.87% | 41.8% | 35.71% |
EBITDA Growth % | 5.09% | 17.19% | 41.86% | 55.28% | 8.34% | 25.98% | 17.75% | 10.31% | -1.28% | -17.98% |
D&A (Non-Cash Add-back) | 429M | 545M | 1.65B | 3.21B | 3.2B | 3.17B | 3.12B | 3.1B | 3.16B | 2.39B |
EBIT | 1.53B | 1.74B | 1.59B | 1.89B | 2.36B | 3.66B | 4.9B | 5.74B | 5.79B | 5.28B |
Net Interest Income | -173M | -189M | -473M | -709M | -693M | -733M | -976M | -1.2B | -1.49B | -1.14B |
Interest Income | 2M | 0 | 34M | 7M | 3M | 13M | 28M | 43M | 0 | 30M |
Interest Expense | 175M | 189M | 507M | 716M | 696M | 746M | 1B | 1.24B | 1.49B | 826M |
Other Income/Expense | -142M | -188M | -497M | -681M | -522M | -607M | -1.13B | -2.06B | -1.4B | -1.28B |
Pretax Income | 1.39B▲ 0% | 1.56B▲ 12.6% | 1.11B▼ 28.9% | 1.17B▲ 5.3% | 1.77B▲ 50.8% | 3.13B▲ 77.4% | 3.88B▲ 23.9% | 3.82B▼ 1.6% | 4.3B▲ 12.6% | 3.86B▲ 0% |
Pretax Margin % | 24.4% | 26.88% | 10.92% | 7.88% | 10.88% | 17.66% | 20.34% | 18.68% | 20.29% | 18.3% |
Income Tax | 158M | 378M | 198M | 196M | 363M | 551M | 754M | 641M | 811M | 645M |
Effective Tax Rate % | 11.37% | 24.15% | 17.81% | 16.74% | 20.55% | 17.59% | 19.42% | 16.78% | 18.86% | 16.71% |
Net Income | 1.25B▲ 0% | 1.19B▼ 4.7% | 893M▼ 24.8% | 958M▲ 7.3% | 1.33B▲ 39.2% | 2.53B▲ 89.7% | 3.07B▲ 21.3% | 3.13B▲ 2.1% | 3.48B▲ 11.1% | 3.2B▲ 0% |
Net Margin % | 21.88% | 20.38% | 8.77% | 6.45% | 8.22% | 14.26% | 16.07% | 15.31% | 16.42% | 15.17% |
Net Income Growth % | 33.98% | -4.74% | -24.77% | 7.28% | 39.25% | 89.66% | 21.26% | 2.05% | 11.15% | -1.45% |
Net Income (Continuing) | 1.23B | 1.19B | 914M | 975M | 1.4B | 2.58B | 3.13B | 3.18B | 3.49B | 3.21B |
Discontinued Operations | 14M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 1.88B | 999M | 998M | 860M | 812M | 618M | 17M | 20M |
EPS (Diluted) | 2.89▲ 0% | 2.87▼ 0.7% | 1.71▼ 40.4% | 1.40▼ 18.1% | 1.99▲ 42.1% | 3.90▲ 96.0% | 4.98▲ 27.7% | 5.38▲ 8.0% | 6.34▲ 17.8% | 5.98▲ 0% |
EPS Growth % | 38.94% | -0.69% | -40.42% | -18.13% | 42.14% | 95.98% | 27.69% | 8.03% | 17.84% | 4.24% |
EPS (Basic) | 3.00 | 2.93 | 1.74 | 1.43 | 2.01 | 3.94 | 5.02 | 5.41 | 6.34 | - |
Diluted Shares Outstanding | 431.2M | 413.7M | 522.6M | 683.4M | 671.6M | 647.9M | 615.9M | 582.1M | 549M | 535.4M |
Basic Shares Outstanding | 415.2M | 405.5M | 512.3M | 672.1M | 662.6M | 642.3M | 611.7M | 578.7M | 549M | 535.4M |
Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
FISV Balance Sheet
Fiserv, Inc. (FISV) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 1.98B | 2.22B | 17.05B | 16.22B | 18.87B | 27.54B | 34.81B | 23.48B | 24.65B | 24.78B |
Cash & Short-Term Investments | 325M | 415M | 893M | 906M | 835M | 902M | 1.2B | 1.24B | 798M | 829M |
Cash Only | 325M | 415M | 893M | 906M | 835M | 902M | 1.2B | 1.24B | 798M | 829M |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 997M | 1.05B | 2.78B | 2.48B | 2.86B | 3.58B | 3.58B | 4.23B | 4.13B | 4B |
Days Sales Outstanding | 63.89 | 65.75 | 99.68 | 61 | 64.33 | 73.77 | 68.48 | 75.41 | 71.11 | 72.36 |
Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - |
Other Current Assets | 50M | 486M | 11.87B | 11.52B | 13.65B | 23.06B | 30.02B | 16.13B | 17.34B | 17.48B |
Total Non-Current Assets | 8.31B | 9.04B | 60.49B | 58.4B | 57.38B | 56.33B | 56.08B | 53.7B | 55.48B | 55.77B |
Property, Plant & Equipment | 390M | 398M | 1.61B | 1.63B | 1.74B | 1.96B | 2.16B | 2.37B | 3.08B | 3.23B |
Fixed Asset Turnover | 14.61x | 14.63x | 6.34x | 9.12x | 9.31x | 9.06x | 8.84x | 8.62x | 6.87x | 7.11x |
Goodwill | 5.59B | 5.7B | 36.04B | 36.32B | 36.43B | 36.81B | 37.2B | 36.58B | 37.7B | 37.6B |
Intangible Assets | 1.88B | 2.14B | 17.64B | 15.36B | 14.01B | 12.41B | 11.21B | 9.94B | 10.16B | 9.98B |
Long-Term Investments | 0 | 65M | 2.72B | 2.76B | 2.56B | 2.4B | 2.26B | 1.51B | 1.05B | 5.28B |
Other Non-Current Assets | 452M | 730M | 2.49B | 2.34B | 2.63B | 2.74B | 3.24B | 3.29B | 3.48B | 2.88B |
Total Assets | 10.29B▲ 0% | 11.26B▲ 9.5% | 77.54B▲ 588.5% | 74.62B▼ 3.8% | 76.25B▲ 2.2% | 83.87B▲ 10.0% | 90.89B▲ 8.4% | 77.18B▼ 15.1% | 80.13B▲ 3.8% | 80.55B▲ 0% |
Asset Turnover | 0.55x | 0.52x | 0.13x | 0.20x | 0.21x | 0.21x | 0.21x | 0.27x | 0.26x | 0.26x |
Asset Growth % | 5.6% | 9.46% | 588.5% | -3.77% | 2.18% | 9.99% | 8.37% | -15.09% | 3.83% | -9.24% |
Total Current Liabilities | 1.94B | 2.01B | 15.73B | 15.64B | 18.3B | 26.46B | 33.55B | 22.16B | 23.89B | 23.42B |
Accounts Payable | 80M | 127M | 392M | 437M | 593M | 652M | 449M | 511M | 797M | 930M |
Days Payables Outstanding | 9.66 | 15.1 | 26.95 | 20.42 | 26.63 | 29.78 | 21.37 | 23.28 | 33.78 | 44.82 |
Short-Term Debt | 3M | 4M | 150M | 144M | 240M | 198M | 442M | 784M | 762M | 1.45B |
Deferred Revenue (Current) | 1.06B | 944M | 1.14B | 1.25B | 1.37B | 1.5B | 1.69B | 1.8B | 1.85B | 6.42B |
Other Current Liabilities | 198M | 675M | 12.25B | 11.94B | 14.04B | 21.76B | 28.02B | 15.82B | 16.78B | 19.52B |
Current Ratio | 1.02x | 1.11x | 1.08x | 1.04x | 1.03x | 1.04x | 1.04x | 1.06x | 1.03x | 1.06x |
Quick Ratio | 1.02x | 1.11x | 1.08x | 1.04x | 1.03x | 1.04x | 1.04x | 1.06x | 1.03x | 1.06x |
Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | 27.53 |
Total Non-Current Liabilities | 5.62B | 6.96B | 26.95B | 25.65B | 26B | 25.72B | 26.67B | 27.33B | 30.43B | 30.91B |
Long-Term Debt | 4.9B | 5.95B | 21.36B | 19.8B | 20.2B | 20.41B | 21.71B | 23.07B | 26.12B | 26.11B |
Capital Lease Obligations | 0 | 5M | 247M | 504M | 528M | 539M | 652M | 656M | 1.64B | 6.29B |
Deferred Tax Liabilities | 552M | 745M | 4.25B | 4.39B | 4.17B | 3.6B | 3.08B | 2.48B | 1.48B | 7.18B |
Other Non-Current Liabilities | 117M | 170M | 941M | 777M | 878M | 936M | 978M | 863M | 939M | 1.12B |
Total Liabilities | 7.56B | 8.97B | 42.68B | 41.29B | 44.3B | 52.18B | 60.22B | 49.49B | 54.32B | 54.33B |
Total Debt | 4.9B | 5.96B | 21.9B | 20.68B | 21.24B | 21.54B | 23.24B | 24.96B | 29.12B | 29.31B |
Net Debt | 4.58B | 5.55B | 21.01B | 19.78B | 20.4B | 20.64B | 22.03B | 23.72B | 28.32B | 28.48B |
Debt / Equity | 1.79x | 2.60x | 0.63x | 0.62x | 0.66x | 0.68x | 0.76x | 0.90x | 1.13x | 1.12x |
Debt / EBITDA | 2.50x | 2.59x | 6.72x | 4.09x | 3.87x | 3.12x | 2.86x | 2.78x | 3.29x | 3.89x |
Net Debt / EBITDA | 2.33x | 2.41x | 6.44x | 3.91x | 3.72x | 2.99x | 2.71x | 2.64x | 3.20x | 3.78x |
Interest Coverage | 8.76x | 9.23x | 3.14x | 2.64x | 3.39x | 4.90x | 4.88x | 4.64x | 3.88x | 6.39x |
Total Equity | 2.73B▲ 0% | 2.29B▼ 16.0% | 34.86B▲ 1420.1% | 33.33B▼ 4.4% | 31.95B▼ 4.1% | 31.69B▼ 0.8% | 30.67B▼ 3.2% | 27.69B▼ 9.7% | 25.81B▼ 6.8% | 26.22B▲ 0% |
Equity Growth % | 7.48% | -16.04% | 1420.15% | -4.38% | -4.14% | -0.82% | -3.22% | -9.73% | -6.78% | -29.86% |
Book Value per Share | 6.33 | 5.54 | 66.70 | 48.77 | 47.57 | 48.91 | 49.80 | 47.56 | 47.01 | 48.97 |
Total Shareholders' Equity | 2.73B | 2.29B | 32.98B | 32.33B | 30.95B | 30.83B | 29.86B | 27.07B | 25.79B | 26.2B |
Common Stock | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 8M | 8M |
Retained Earnings | 10.24B | 11.63B | 12.53B | 13.44B | 14.85B | 17.38B | 20.44B | 23.57B | 27.05B | 27.63B |
Treasury Stock | -8.49B | -10.34B | -3.12B | -4.38B | -6.14B | -8.38B | -12.91B | -18.18B | -23.55B | -23.61B |
Accumulated OCI | -54M | -67M | -180M | -387M | -745M | -1.19B | -783M | -1.41B | -984M | -1.03B |
Minority Interest | 0 | 0 | 1.88B | 999M | 998M | 860M | 812M | 618M | 17M | 20M |
FISV Cash Flow Statement
Fiserv, Inc. (FISV) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 1.48B | 1.55B | 2.93B | 4.15B | 4.03B | 4.62B | 5.16B | 6.63B | 6.1B | 5.44B |
Operating CF Margin % | 26.04% | 26.65% | 28.74% | 27.92% | 24.86% | 26.04% | 27.04% | 32.42% | 28.8% | - |
Operating CF Growth % | 3.63% | 4.65% | 88.66% | 41.63% | -2.72% | 14.48% | 11.78% | 28.46% | -7.95% | -106.53% |
Net Income | 1.23B | 1.19B | 914M | 975M | 1.4B | 2.58B | 3.07B | 3.18B | 3.48B | 3.2B |
Depreciation & Amortization | 433M | 556M | 1.65B | 3.21B | 3.2B | 3.17B | 2.93B | 3.1B | 3.16B | 1.59B |
Stock-Based Compensation | 63M | 73M | 229M | 369M | 239M | 323M | 342M | 367M | 0 | 178M |
Deferred Taxes | -247M | 133M | 47M | 71M | -262M | -558M | -511M | -662M | -942M | -905M |
Other Non-Cash Items | 17M | -228M | 51M | -267M | -47M | -154M | 249M | 989M | 414M | 1.61B |
Working Capital Changes | -15M | -169M | 36M | -211M | -495M | -744M | -912M | -338M | -9M | 322M |
Change in Receivables | -75M | -108M | -7M | 320M | -358M | -770M | 23M | -169M | -123M | 23M |
Change in Inventory | 12.1M | -2.92M | -82M | -167M | -248M | -253M | 0 | 0 | 0 | 0 |
Change in Payables | 54M | 116M | 238M | -146M | 303M | 511M | -54M | 426M | 878M | 1.32B |
Cash from Investing | -657M | -663M | -16.6B | -341M | -1.63B | -2.11B | -1.07B | -2.4B | -3B | -1.62B |
Capital Expenditures | -287M | -360M | -721M | -900M | -1.16B | -1.48B | -1.39B | -1.57B | -1.76B | -1.43B |
CapEx % of Revenue | 5.04% | 6.18% | 7.08% | 6.06% | 7.15% | 8.34% | 7.27% | 7.67% | 8.32% | 6.77% |
Acquisitions | -367M | -293M | -15.95B | 440M | -848M | -742M | 165M | 0 | -1.26B | -317M |
Investments | - | - | - | - | - | - | - | - | - | - |
Other Investing | -46.3M | -150.82M | -603M | -780M | 115M | 138M | 189M | -741M | -654M | -582M |
Cash from Financing | -820M | -842M | 14.19B | -3.84B | -761M | -2.48B | -4.36B | -4.17B | -3.4B | -4.46B |
Debt Issued (Net) | 325M | 1.03B | 14.99B | -2.03B | 295M | 146M | 1.1B | 1.67B | 2.16B | -562M |
Equity Issued (Net) | -1.15B | -1.95B | -405M | -1.69B | -2.65B | -2.68B | -4.73B | -5.74B | -5.84B | -3.51B |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -1.22B | -1.95B | -561M | -1.83B | -2.79B | -2.68B | -4.83B | -5.84B | -5.9B | -3.55B |
Other Financing | 0 | 70M | -209M | -100M | 1.59B | 53M | -726M | -90M | 282M | -388M |
Net Change in Cash | 25M▲ 0% | 90M▲ 260.0% | 518M▲ 475.6% | -14M▼ 102.7% | 1.62B▲ 11642.9% | -13M▼ 100.8% | -229M▼ 1661.5% | 30M▲ 113.1% | -191M▼ 736.7% | -843M▲ 0% |
Free Cash Flow | 1.2B▲ 0% | 1.19B▼ 0.3% | 2.07B▲ 74.0% | 3.25B▲ 56.6% | 2.87B▼ 11.5% | 3.14B▲ 9.2% | 3.77B▲ 20.2% | 5.06B▲ 34.1% | 4.34B▼ 14.2% | 4.01B▲ 0% |
FCF Margin % | 21% | 20.47% | 20.36% | 21.86% | 17.71% | 17.7% | 19.77% | 24.75% | 20.48% | 19.02% |
FCF Growth % | 4.82% | -0.33% | 73.99% | 56.56% | -11.49% | 9.22% | 20.23% | 34.13% | -14.24% | -19.2% |
FCF per Share | 2.77 | 2.88 | 3.97 | 4.75 | 4.28 | 4.84 | 6.13 | 8.70 | 7.91 | 7.49 |
FCF Conversion (FCF/Net Income) | 1.19x | 1.31x | 3.28x | 4.33x | 3.02x | 1.83x | 1.68x | 2.12x | 1.75x | 1.25x |
Interest Paid | 160M | 165M | 291M | 673M | 648M | 703M | 879M | 1.15B | 0 | 783M |
Taxes Paid | 409M | 259M | 197M | 156M | 666M | 709M | 1.22B | 1.17B | 0 | 513M |
FISV Key Ratios
Fiserv, Inc. (FISV) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 47.27% | 47.25% | 4.81% | 2.81% | 4.09% | 7.95% | 9.84% | 10.73% | 13.01% | 12.43% |
Return on Invested Capital (ROIC) | 16.29% | 17.36% | 3.79% | 2.55% | 3.25% | 5.36% | 7.16% | 8.47% | 8.1% | 7.06% |
Gross Margin | 46.91% | 47.3% | 47.88% | 47.4% | 49.91% | 54.94% | 59.83% | 60.83% | 59.36% | 60.77% |
Net Margin | 21.88% | 20.38% | 8.77% | 6.45% | 8.22% | 14.26% | 16.07% | 15.31% | 16.42% | 15.17% |
Debt / Equity | 1.79x | 2.60x | 0.63x | 0.62x | 0.66x | 0.68x | 0.76x | 0.90x | 1.13x | 1.12x |
Interest Coverage | 8.76x | 9.23x | 3.14x | 2.64x | 3.39x | 4.90x | 4.88x | 4.64x | 3.88x | 6.39x |
FCF Conversion | 1.19x | 1.31x | 3.28x | 4.33x | 3.02x | 1.83x | 1.68x | 2.12x | 1.75x | 1.25x |
Revenue Growth | 3.47% | 2.23% | 74.94% | 45.79% | 9.25% | 9.31% | 7.65% | 7.14% | 3.6% | 1.87% |
Related:FISV Dividend History·FISV Revenue History·FISV Price History·FISV P/E History·FISV Financial Ratios·FISV Institutional Holders
FISV SEC Filings & Documents
Fiserv, Inc. (FISV) SEC filings — annual & quarterly reports (10-K, 10-Q)
FISV Frequently Asked Questions
Fiserv, Inc. (FISV) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Fiserv, Inc. (FISV) reported $21.09B in revenue for fiscal year 2025. This represents a 2298% increase from $879.4M in 1996.
Fiserv, Inc. (FISV) grew revenue by 3.6% over the past year. Growth has been modest.
Yes, Fiserv, Inc. (FISV) is profitable, generating $3.20B in net income for fiscal year 2025 (16.4% net margin).
Dividend & Returns
Fiserv, Inc. (FISV) has a return on equity (ROE) of 13.0%. This is reasonable for most industries.
Fiserv, Inc. (FISV) generated $4.01B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.