# Fiserv Inc. (FISV) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Real Estate / Real Estate Management & Development. Price $53.00, market value $28.2 billion.

## Valuation
- **P/E (trailing): 10.2×** (5-yr avg 30.7×, 3-yr avg 25.2×). Fiserv Inc. trades at 10.2× trailing earnings, well below its own five-year average of 30.7×: cheap by its own standards. The Real Estate median in the September 2026 study was 25.2×. Forward P/E is 6.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.37**. A PEG of 0.37 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.4×**. Each dollar of revenue is priced at 1.4×.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 13.9%** (5-yr avg 5.9%). Free cash flow equals 13.9% of the market value, above its five-year average of 5.9%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 9.8%**. The inverse of the P/E: 9.8% of the price is earned each year.

## Profitability
- **Operating margin: 22.3%**. 22.3% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 16.4%**. 16.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 13.5%**. 13.5% on shareholders' equity is solid.
- **Return on invested capital: 14.0%**. Return on all capital, debt included, is 14.0%.
- **Return on assets: 3.5%**. Each dollar of assets produces 3.5% of profit.

## Growth
- **Revenue growth (1 yr): 3.6%** (3-yr 6.1%/yr, 5-yr 7.4%/yr). Revenue grew 3.6% over the last year, against 7.4% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 17.8%** (3-yr 17.5%/yr, 5-yr 35.3%/yr). Earnings per share rose 17.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 11.1%/yr**. Free cash flow has compounded at 11.1% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.05**. Debt is 0.05 times equity: a conservative balance sheet.
- **Altman Z-score: 1.27**. A Z-score of 1.27 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Fiserv Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): -61.1%** (YTD -21.1%, 3-mo -2.6%). The shares are down 61.1% over twelve months including dividends.
- **From 52-week high: -61.2%** (12.7% above the low). Trading 61% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.60** (volatility 57%). Beta of 0.60 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=FISV · Page: https://foliofundamentals.com/stocks/fisv

Not investment advice.