Fiserv, Inc. logo

Fiserv, Inc.

FISV

NASDAQTechnologyInformation Technology Services

Regular session

$53.0737

+$0.4937 · +0.94%

Aug 24, 12:29 PM ET

FISV company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

89

Deep Value

Momentum

17

Strong Down

Sentiment

79

Bullish

Risk resilience

44

Elevated Risk

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Company profile

Company website

Fiserv, Inc. is a global provider of technology solutions for payments and financial services. Its operations are structured into three primary segments: Acceptance, Fintech, and Payments. The Acceptance segment enables businesses to process transactions at the point of sale and through digital channels, offering mobile payment capabilities and robust security and fraud prevention tools. Key offerings include Carat, its omnichannel commerce platform; Clover, a cloud-native platform for point-of-sale and business management; and Clover Connect, designed for independent software vendors. This segment reaches clients via diverse distribution channels, including direct sales, agent networks, ISVs, and financial institution partnerships. The Fintech segment supports financial institutions in managing core functions like customer deposit and loan accounts, general ledgers, and central information repositories. Further services extend to digital banking, financial and risk management, specialized consulting, and item processing solutions. The Payments segment facilitates a wide array of card-based transactions, including processing for debit, credit, and prepaid cards. It also delivers security and fraud safeguards, card manufacturing, print services, and various network functionalities. Beyond cards, this segment offers digital payment solutions like bill payment, account-to-account transfers, person-to-person payments, and electronic billing, complemented by security features. Fiserv caters to a broad clientele, including businesses, banks, credit unions, other financial institutions, merchants, and corporate enterprises. Established in 1984, Fiserv, Inc. maintains its corporate headquarters in Brookfield, Wisconsin.

Industry
Information Technology Services
Sector
Technology
Headquarters
US
CEO
Takis Georgakopoulos
Listed since
Sep 25, 1986
Employees
38,000

Market position

Day range

Current $53.0737

52-week range

Current $53.0737

Open
$52.65
Previous close
$52.58
Volume
1.63M
0.22× average
Average volume
7.58M
Average daily volume
Market cap
28.3B USD
Beta
0.8
Market reference 1
50-day average
$114.45
-53.63% below average
200-day average
$166.21
-68.07% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
65.2B USD
P/E (TTM)
10.17×
P/B (TTM)
1.06×
P/S (TTM)
1.36×
EV / EBITDA
7.28×
Earnings yield
9.44%
Free cash flow yield
11.66%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
47.22%
Operating margin
21.37%
Net margin
13.42%
Return on equity
13.49%
Return on assets
4.34%
Return on invested capital
8.03%

Financial health

Debt / equity
1.04×
Current ratio
1.03×
Altman Z-score
1.24
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends66%45%24%3%Gross margin, FY2021: 49.91%Gross margin, FY2022: 54.94%Gross margin, FY2023: 59.83%Gross margin, FY2024: 60.83%Gross margin, FY2025: 59.36%Operating margin, FY2021: 14.10%Operating margin, FY2022: 21.09%Operating margin, FY2023: 26.26%Operating margin, FY2024: 28.74%Operating margin, FY2025: 26.89%Net margin, FY2021: 8.22%Net margin, FY2022: 14.26%Net margin, FY2023: 16.07%Net margin, FY2024: 15.31%Net margin, FY2025: 16.42%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 49.91%. Gross margin FY2022 54.94%. Gross margin FY2023 59.83%. Gross margin FY2024 60.83%. Gross margin FY2025 59.36%. Operating margin FY2021 14.10%. Operating margin FY2022 21.09%. Operating margin FY2023 26.26%. Operating margin FY2024 28.74%. Operating margin FY2025 26.89%. Net margin FY2021 8.22%. Net margin FY2022 14.26%. Net margin FY2023 16.07%. Net margin FY2024 15.31%. Net margin FY2025 16.42%.

Income trends

Revenue

21.19B USD+3.60%

Operating income

5.7B USD-3.08%

Net income

3.48B USD+11.15%
Income trends across reported periods23.18B USD15.24B USD7.29B USD−651.9M USDRevenue, FY2021: 16.23B USDRevenue, FY2022: 17.74B USDRevenue, FY2023: 19.09B USDRevenue, FY2024: 20.46B USDRevenue, FY2025: 21.19B USDOperating income, FY2021: 2.29B USDOperating income, FY2022: 3.74B USDOperating income, FY2023: 5.01B USDOperating income, FY2024: 5.88B USDOperating income, FY2025: 5.7B USDNet income, FY2021: 1.33B USDNet income, FY2022: 2.53B USDNet income, FY2023: 3.07B USDNet income, FY2024: 3.13B USDNet income, FY2025: 3.48B USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 16.23B USD. Revenue FY2022 17.74B USD. Revenue FY2023 19.09B USD. Revenue FY2024 20.46B USD. Revenue FY2025 21.19B USD. Operating income FY2021 2.29B USD. Operating income FY2022 3.74B USD. Operating income FY2023 5.01B USD. Operating income FY2024 5.88B USD. Operating income FY2025 5.7B USD. Net income FY2021 1.33B USD. Net income FY2022 2.53B USD. Net income FY2023 3.07B USD. Net income FY2024 3.13B USD. Net income FY2025 3.48B USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue21.19B USD20.46B USD19.09B USD17.74B USD16.23B USD
Cost of goods sold8.61B USD8.01B USD7.67B USD7.99B USD8.13B USD
Gross profit12.58B USD12.44B USD11.42B USD9.75B USD8.1B USD
Selling, general, and administrative6.88B USD6.56B USD6.58B USD6.06B USD5.81B USD
Operating expenses6.88B USD6.56B USD6.41B USD6.01B USD5.81B USD
Interest income38M USD43M USD28M USD13M USD3M USD
Interest expense1.53B USD1.24B USD1B USD746M USD696M USD
Depreciation and amortization3.16B USD3.1B USD3.12B USD3.17B USD3.2B USD
Operating income5.7B USD5.88B USD5.01B USD3.74B USD2.29B USD
Net income3.48B USD3.13B USD3.07B USD2.53B USD1.33B USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+0.74%
11 comparable reports
Latest EPS result
1.84
Estimate 1.91 · Miss by 3.66%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.752.321.891.46Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 2.51, estimate 2.48, surprise +1.21%, Beat. Q2 2025, reported Apr 24, 2025: actual 2.14, estimate 2.08, surprise +2.88%, Beat. Q3 2025, reported Jul 23, 2025: actual 2.47, estimate 2.43, surprise +1.65%, Beat. Q4 2025, reported Oct 29, 2025: actual 2.04, estimate 2.64, surprise -22.73%, Miss. Q1 2026, reported Feb 10, 2026: actual 1.99, estimate 1.9, surprise +4.74%, Beat. Q2 2026, reported May 5, 2026: actual 1.79, estimate 1.57, surprise +14.01%, Beat. Q3 2026, reported Aug 6, 2026: actual 1.84, estimate 1.91, surprise -3.66%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 1.74, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates5.74B5.31B4.88B4.45BQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 5.25B USD, estimate 4.95B USD, surprise +6.06%, Beat. Q2 2025, reported Apr 24, 2025: actual 5.13B USD, estimate 4.83B USD, surprise +6.14%, Beat. Q3 2025, reported Jul 23, 2025: actual 5.52B USD, estimate 5.19B USD, surprise +6.21%, Beat. Q4 2025, reported Oct 29, 2025: actual 5.26B USD, estimate 5.35B USD, surprise -1.55%, Miss. Q1 2026, reported Feb 10, 2026: actual 4.9B USD, estimate 4.9B USD, surprise -0.05%, Miss. Q2 2026, reported May 5, 2026: actual 4.68B USD, estimate 4.73B USD, surprise -1.11%, Miss. Q3 2026, reported Aug 6, 2026: actual 4.96B USD, estimate 5.04B USD, surprise -1.51%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 4.87B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$62.46

17.69% upside
Past 12 months12-month forecastHigh $91.00Average $62.46Low $46.00

Rating distribution

61 ratings
Strong buy00%
Buy3354%
Hold2846%
Sell00%
Strong sell00%

FISV peers

ETFs holding FISV

Funds reporting this stock among their holdings, ordered by reported position size.

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