FIS core banking wins indicate broader growth opportunities. Core banking contract wins signal expanded market reach and revenue potential for FIS.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | 1 | — | — | 1 | — | 1 | 1 | — | — | 1 | — | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2028 | ‡‡‡‡‡ |
|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.80 |
—
—
—
|
| 2025 | 1.60 |
—
—
—
—
|
| 2024 | 1.44 |
—
—
—
—
|
| 2023 | 2.60 |
—
—
—
—
—
|
| 2022 | 1.88 |
—
—
—
—
|
| 2021 | 1.56 |
—
—
—
—
|
| 2020 | 1.40 |
—
—
—
—
|
| 2019 | 1.40 |
—
—
—
—
|
| 2018 | 1.28 |
—
—
—
—
|
| 2017 | 1.16 |
—
—
—
—
|
| 2016 | 1.04 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 440.00 | 834.00 | 599.00 | 744.00 |
| Receivables | 2,464.00 | 2,599.00 | 2,930.00 | 3,240.00 |
| Inventory | — | — | — | — |
| Other | 10,111.00 | 1,115.00 | — | — |
| 13,656.00 | 5,186.00 | 4,488.00 | 5,274.00 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,773.00 | 1,994.00 | 2,097.00 | 2,429.00 |
| ST’ Debt | 1,348.00 | 968.00 | 1,284.00 | 1,516.00 |
| Other | 8,884.00 | 1,094.00 | — | — |
| 18,229.00 | 6,094.00 | 7,616.00 | 9,865.00 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 3,295.00 | 3,377.00 | — | — |
—
|
| ’25 | 2,532.00 | 2,616.00 | 2,717.00 | 2,812.00 |
10,677.00
|
| ’24 | 2,468.00 | 2,490.00 | 2,570.00 | 2,599.00 |
10,127.00
|
| ’23 | 2,397.00 | 2,424.00 | 2,492.00 | 2,518.00 |
9,831.00
|
| ’22 | 3,492.00 | 3,719.00 | 2,415.00 | 94.00 |
9,720.00
|
| ’21 | 3,223.00 | 3,475.00 | 3,507.00 | (866.00) |
9,339.00
|
| ’20 | 3,078.00 | 2,962.00 | 3,197.00 | 3,315.00 |
12,552.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 713.00 | 494.00 | — | — |
—
|
| ’25 | 457.00 | 382.00 | 1,011.00 | 758.00 |
2,608.00
|
| ’24 | 206.00 | 546.00 | 641.00 | 782.00 |
2,175.00
|
| ’23 | 291.00 | 476.00 | 534.00 | 777.00 |
2,078.00
|
| ’22 | 896.00 | 1,024.00 | 878.00 | (1,176.00) |
1,622.00
|
| ’21 | 836.00 | 1,028.00 | 1,833.00 | 1,113.00 |
4,810.00
|
| ’20 | 383.00 | 1,230.00 | 1,411.00 | 1,418.00 |
4,442.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 452.00 | 238.00 | — | — |
—
|
| ’25 | 224.00 | 164.00 | 797.00 | 434.00 |
1,619.00
|
| ’24 | 4.00 | 363.00 | 397.00 | 594.00 |
1,358.00
|
| ’23 | 98.00 | 298.00 | 321.00 | 581.00 |
1,298.00
|
| ’22 | 484.00 | 684.00 | 547.00 | (1,089.00) |
626.00
|
| ’21 | 538.00 | 713.00 | 1,569.00 | 739.00 |
3,559.00
|
| ’20 | 77.00 | 969.00 | 1,140.00 | 1,127.00 |
3,313.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 4.58 | 0.45 | — | — |
—
|
| ’25 | 0.15 | (0.90) | 0.50 | 0.98 |
0.73
|
| ’24 | 1.25 | 0.43 | 0.41 | 0.52 |
2.61
|
| ’23 | 0.24 | (11.14) | (0.76) | 0.42 |
(11.26)
|
| ’22 | 0.20 | 0.45 | 0.41 | (29.28) |
(27.68)
|
| ’21 | (0.60) | 0.55 | 0.26 | 0.47 |
0.67
|
| ’20 | 0.02 | 0.03 | 0.03 | 0.16 |
0.25
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 56.53 | 46.91 | 58.24 | 59.51 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 122.06 | 79.32 | 91.98 | 83.97 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 69,000 | 60,000 | 50,000 | 44,000 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.14 | 0.16 | 0.20 | 0.24 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9,720.00 | 9,831.00 | 10,127.00 | 10,677.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 35.61% | 37.19% | 37.56% | 36.86% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 898.00 | 662.00 | 1,297.00 | 1,176.00 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.24% | 6.73% | 12.81% | 11.01% | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (16,740.00) | (6,648.00) | 1,453.00 | 385.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,909.00 | 1,773.00 | 1,757.00 | 1,920.00 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16.09 | 16.63 | 18.31 | 20.41 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | (27.68) | (11.26) | 2.62 | 0.73 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.69 | 3.52 | 3.93 | 4.99 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.65) | (1.32) | (1.48) | (1.89) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.04 | 2.20 | 2.46 | 3.10 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 45.08 | 32.24 | 28.39 | 26.58 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 604.00 | 591.00 | 553.00 | 523.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.00 | 0.00 | 30.71 | 88.61 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.26 | 3.67 | 4.41 | 3.26 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.52 | 1.89 | 2.85 | 2.50 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.89 | 5.08 | 5.38 | 4.17 | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 91.50 | 38.45 | 40.12 | 27.49 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1,622.00 | 2,078.00 | 2,175.00 | 2,608.00 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (996.00) | (780.00) | (817.00) | (989.00) | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 626.00 | 1,298.00 | 1,358.00 | 1,619.00 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (3,406.00) | (4,573.00) | (908.00) | (3,128.00) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 16,336.00 | 14,318.00 | 10,654.00 | 10,353.00 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 15,880.00 | 13,878.00 | 9,820.00 | 9,754.00 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 27,226.00 | 19,056.00 | 15,700.00 | 13,902.00 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (22.92%) | (11.26%) | 3.27% | 1.14% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.71% | 2.75% | 4.19% | 4.60% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (44.92%) | (28.76%) | 8.34% | 2.58% | — | — | — |
ROE
|
FIS has endured a rollercoaster decade, ballooning from aggressive acquisitions like the $43 billion Worldpay deal in 2019 that juiced revenues to $12.55 billion by 2020 but piled on debt, triggered massive goodwill impairments, and cratered the stock from $158 peaks to $46 lows. The 2024 Worldpay spin-off marks a sharp pivot to high-margin banking software, slashing headcount by 27% to boost revenue per employee 24% to $202,540, while debt plunged 26% to $10.65 billion and net income rebounded to $1.45 billion—signs of stabilization amid improving gross margins and free cash flow.
Yet profitability remains scarred, with ROE swinging from -45% troughs to a tepid 8.3%, and ROIC lagging at 4.2%. Analysts tout explosive growth—revenues to $14.25 billion and EPS surging 471% to $3.66 by 2026—trading at discounted 4.4x PS and poised for 73% upside to mean targets, backed by modest insider buys. But as a skeptic, I flag underappreciated pitfalls: lingering debt equals 10% of 2025 revenue, fintech rivals erode share, and macro shocks could reignite volatility.
This turnaround tempts, but FIS’s history screams caution—execution risks and earnings fragility demand proof before betting big. Dive into the full analysis for the metrics that could make or break the rebound.
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