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Friday 6 November 2026
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Fiserv, Inc.
FISV Technology Information Technology Services
Fiserv, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $21.2 billion, up 3.60% from fiscal 2024.
- Revenue
- −1.27%
- EPS
- −865.1%
- Free cash flow
- −73.6%
- Total debt
- −10.4%
Quarter to September 2026, against a year earlier
62.22
0.52
−0.83%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
25.87 | 22.48 | 25.70 | 63.88 | 81.33 | 52.16 | 25.82 | 26.62 | 38.11 | 10.59 |
Piotroski F-Score |
4 | 7 | 6 | 5 | 4 | 7 | 9 | 7 | 8 | 6 |
Altman Z-Score |
4.29 | 4.64 | 4.49 | 1.27 | 1.65 | 1.52 | 1.41 | 1.53 | 2.41 | 1.39 |
P/S ratio |
4.30 | 4.83 | 5.12 | 5.82 | 5.15 | 4.24 | 3.67 | 4.26 | 5.81 | 1.73 |
P/FCF ratio |
20.72 | 23.01 | 25.00 | 28.56 | 23.57 | 23.93 | 20.71 | 21.57 | 23.48 | 8.55 |
Altman Z″-Score (non-manufacturers) |
4.31 | 4.65 | 4.81 | 1.62 | 1.64 | 1.63 | 1.69 | 1.73 | 2.21 | 2.15 |
Beneish M-Score |
(2.63) | (2.53) | (2.19) | (1.88) | (0.06) | (2.54) | (2.27) | (2.47) | (2.95) | (2.58) |
P/Operating CF |
60.79 | 58.82 | 52.19 | 50.29 | 64.52 | 51.21 | 39.81 | 51.04 | 53.52 | 18.90 |
P/B ratio |
9.31 | 10.08 | 13.00 | 1.71 | 2.31 | 2.17 | 2.06 | 2.67 | 4.29 | 1.42 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Sales |
5.07 | 5.64 | 6.07 | 7.88 | 6.48 | 5.50 | 4.82 | 5.41 | 6.97 | 3.06 |
EV/EBITDA |
14.96 | 16.25 | 15.31 | 23.69 | 18.85 | 16.11 | 12.30 | 12.64 | 15.80 | 7.20 |
EV/Operating CF |
19.50 | 21.65 | 22.77 | 28.71 | 23.22 | 22.11 | 18.52 | 20.02 | 21.49 | 10.71 |
EV/FCF |
24.46 | 26.84 | 29.65 | 38.69 | 29.66 | 31.03 | 27.25 | 27.38 | 28.15 | 15.11 |
Quick Ratio |
0.66 | 0.68 | 0.97 | 0.23 | 0.95 | 0.95 | 0.98 | 0.97 | 0.92 | 0.89 |
Current Ratio |
0.95 | 1.02 | 1.11 | 1.08 | 1.04 | 1.03 | 1.04 | 1.04 | 1.06 | 1.03 |
Net Debt/EBITDA |
2.28 | 2.32 | 2.40 | 6.20 | 3.87 | 3.69 | 2.95 | 2.68 | 2.62 | 3.12 |
Debt/Assets |
46.82% | 47.62% | 52.91% | 28.24% | 27.72% | 27.85% | 25.54% | 25.44% | 32.19% | 36.19% |
Debt/Equity |
1.80 | 1.79 | 2.60 | 0.63 | 0.63 | 0.67 | 0.68 | 0.76 | 0.90 | 1.12 |
Asset Turnover |
0.58 | 0.57 | 0.54 | 0.23 | 0.20 | 0.22 | 0.22 | 0.22 | 0.24 | 0.27 |
Operating CF/Net income |
1.54 | 1.19 | 1.31 | 3.13 | 4.33 | 3.02 | 1.83 | 1.68 | 2.12 | 1.74 |
Capex/Depreciation |
(0.69) | (0.65) | (0.65) | (0.41) | (0.28) | (0.36) | (0.46) | (0.44) | (0.50) | (0.55) |
Interest Coverage |
8.87 | 8.75 | 9.28 | 3.40 | 2.61 | 3.30 | 5.10 | 5.14 | 4.92 | 3.90 |
| 35.76% | 47.27% | 47.25% | 4.84% | 2.83% | 4.12% | 8.01% | 9.89% | 10.76% | 13.01% | |
| 9.75% | 12.44% | 11.02% | 2.01% | 1.26% | 1.77% | 3.16% | 3.51% | 3.73% | 4.42% | |
ROIC |
13.28% | 13.11% | 13.98% | 1.81% | 2.19% | 2.75% | 4.49% | 5.98% | 7.16% | 6.73% |
Return on Tangible Assets |
297.12% | 291.80% | 193.95% | 30.53% | 43.35% | 57.57% | 83.11% | 89.71% | 84.76% | 90.44% |
Average Days of Receivables |
59.81 | 63.89 | 96.22 | 99.68 | 344.14 | 371.43 | 515.84 | 597.65 | 341.77 | 352.38 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
20.00% | 20.19% | 21.09% | 32.24% | 38.06% | 35.81% | 34.16% | 34.44% | 32.09% | 32.48% |
Intangible Assets out of Total Assets |
0.74 | 0.73 | 0.70 | 0.69 | 0.69 | 0.66 | 0.59 | 0.53 | 0.60 | 0.60 |
Share Based Compensation of Revenue |
1.24% | 1.11% | 1.25% | 2.25% | 2.48% | 1.47% | 1.82% | 1.79% | 1.79% | 1.68% |
Graham Net Nets |
(0.23) | (0.20) | (0.23) | (0.44) | (0.33) | (0.37) | (0.38) | (0.31) | (0.22) | (0.81) |
Graham Number |
16.41 | 20.54 | 19.08 | 52.44 | 39.37 | 46.26 | 65.80 | 74.91 | 76.17 | 82.03 |
Earnings Yield |
3.87% | 4.45% | 3.89% | 1.57% | 1.23% | 1.92% | 3.87% | 3.76% | 2.62% | 9.44% |
Free Cash Flow Yield |
4.83% | 4.35% | 4.00% | 3.50% | 4.24% | 4.18% | 4.83% | 4.64% | 4.26% | 11.70% |
Revenue per Share |
12.49 | 13.49 | 14.36 | 19.88 | 22.10 | 24.49 | 27.61 | 31.21 | 35.35 | 38.74 |
Operating CF per Share |
3.25 | 3.51 | 3.83 | 5.46 | 6.17 | 6.09 | 7.19 | 8.44 | 11.46 | 11.08 |
Capex per Share |
(0.66) | (0.68) | (0.89) | (1.41) | (1.34) | (1.75) | (2.30) | (2.27) | (2.71) | (3.22) |
Free Cash Flow per Share |
2.59 | 2.83 | 2.94 | 4.05 | 4.83 | 4.34 | 4.89 | 6.17 | 8.75 | 7.86 |
Cash per Share |
0.68 | 0.77 | 1.02 | 1.74 | 1.35 | 1.26 | 1.40 | 1.97 | 2.14 | 1.46 |
Shareholders Equity per Share |
5.77 | 6.47 | 5.65 | 67.53 | 49.20 | 47.80 | 49.08 | 49.87 | 47.84 | 47.17 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
5.77 | 6.47 | 5.65 | 67.53 | 49.20 | 47.80 | 49.08 | 49.87 | 47.84 | 47.17 |
Free Cash Flow |
1,141.00 | 1,196.00 | 1,192.00 | 2,074.00 | 3,247.00 | 2,874.00 | 3,139.00 | 3,774.00 | 5,062.00 | 4,299.00 |
Working Capital |
(92.00) | 37.00 | 214.00 | 1,319.00 | 582.00 | 575.00 | 1,086.00 | 1,259.00 | 1,320.00 | 764.00 |
Capital Expenditures |
(290.00) | (287.00) | (360.00) | (721.00) | (900.00) | (1,160.00) | (1,479.00) | (1,388.00) | (1,569.00) | (1,763.00) |
Net Current Asset Value |
(5,474.00) | (5,583.00) | (6,745.00) | (25,898.00) | (25,330.00) | (25,707.00) | (24,798.00) | (25,571.00) | (26,013.00) | (29,670.00) |
EV/EBIT |
19.31 | 20.95 | 20.16 | 49.87 | 52.00 | 38.97 | 22.87 | 20.61 | 24.24 | 11.16 |
Capex to Sales |
0.05 | 0.05 | 0.06 | 0.07 | 0.06 | 0.07 | 0.08 | 0.07 | 0.08 | 0.08 |
Price to Operating Income |
16.36 | 17.97 | 17.00 | 36.82 | 41.32 | 30.06 | 17.38 | 16.24 | 20.22 | 6.32 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
1.04 | 1.14 | 1.40 | 1.11 | 2.00 | 1.86 | 1.64 | 1.46 | 1.32 | 1.04 |
Cash ROIC |
15.41% | 15.03% | 13.75% | 3.61% | 5.94% | 5.35% | 5.83% | 6.88% | 9.42% | 7.73% |
Accounts Receivable Turnover |
6.46 | 6.00 | 4.60 | 4.72 | 1.77 | 1.06 | 0.85 | 0.68 | 0.81 | 1.07 |
Accounts Payable Turnover |
2.61 | 2.33 | 2.06 | 0.64 | 0.53 | 0.51 | 0.38 | 0.27 | 0.31 | 0.41 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
153.20 | 164.03 | 193.38 | 1,027.69 | 687.16 | 772.48 | 1,158.44 | 1,524.53 | 921.41 | 923.35 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
852.00 | 949.50 | 1,266.00 | 2,158.50 | 8,392.50 | 15,257.50 | 20,789.50 | 28,165.00 | 25,208.50 | 19,807.00 |
Average Payables |
1,133.00 | 1,300.50 | 1,492.50 | 8,287.00 | 14,827.50 | 15,954.50 | 21,283.50 | 28,700.50 | 26,132.00 | 21,007.00 |
Average Assets |
9,541.50 | 10,016.00 | 10,775.50 | 44,400.50 | 76,079.00 | 75,434.00 | 80,059.00 | 87,379.50 | 84,033.00 | 78,654.50 |
Average Common Equity |
2,600.50 | 2,636.00 | 2,512.00 | 18,444.00 | 33,832.50 | 32,371.00 | 31,599.50 | 31,017.50 | 29,097.00 | 26,747.50 |
Columns are period end dates · fundamentals updated 5 Nov 2026