Fiserv (1FISV) Stock Price & Analysis
1FISV Stock Chart & Stats
- Day’s Range
- EUR 43.10 - EUR 44.20
- 52-Week Range
- EUR 39.10 - EUR 68.00
- Previous Close
- EUR 43.25
- Volume
- 0
- Average Volume (3M)
- 145
- Market Cap
- EUR 23.74B
- Enterprise Value
- EUR 53.58B
- Total Cash (Recent Filing)
- EUR 627.00M
- Total Debt (Recent Filing)
- EUR 27.89B
- Price to Earnings (P/E)
- 9.6
- Beta
- -0.30
- Next Earnings
- Nov 03, 2026 (Est.)
- EPS Estimate
- 1.54
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Recurring Revenue Base
The high recurring-revenue mix provides Fiserv with a durable base of contracted or repeat technology and processing fees. This supports revenue visibility through spending cycles, helps stabilize cash generation, and creates opportunities to cross-sell additional services across established client relationships.
Strong Cash Generation
Consistently positive free cash flow and strong conversion indicate that reported earnings are supported by cash generation rather than accounting benefits. This gives Fiserv capacity to fund technology investment, reduce leverage, pursue capital returns, and maintain strategic flexibility over the coming quarters.
Clover Growth Platform
Clover provides Fiserv with a scalable commerce platform tied to merchant payment volumes and software adoption. Its growth, bank distribution partnerships, and medium-term targets indicate a potentially durable engine for higher-value merchant revenue and broader ecosystem penetration.
Bears Say
Revenue Contraction
Recent revenue contraction and lowered full-year guidance show that Fiserv’s broad platform and transaction businesses are not currently delivering consistent top-line expansion. If weaker demand and delayed implementations persist, operating leverage and the pace of earnings growth could remain constrained.
Financial Solutions Weakness
The decline across Financial Solutions, including banking, issuing, and digital payments, points to pressure in a significant operating area rather than an isolated product issue. Continued weakness could reduce segment profitability and make the company more dependent on merchant and Clover growth.
Elevated Leverage
Leverage around the level of equity limits financial flexibility compared with a more conservatively funded balance sheet. It can increase sensitivity to refinancing conditions and interest expense, while competing with technology investment, acquisitions, deleveraging, and shareholder returns.
Fiserv News
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Fiserv Stock Smart Score
Company Description
Fiserv
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.
- Sector
- General
- Industry
- Information Technology Services
- CEO
- Takis Georgakopoulos
- Employees
- 38,000
- Website
- www.fiserv.com
- Address
- 600 North Vel R. Phillips Avenue, Milwaukee, WI, 53203, US
Fiserv (1FISV) Earnings & Revenues
1FISV Company Deck
1FISV Earnings Call
Earnings Call SentimentNeutral
The call presented a mixed picture: strong cash generation, meaningful commercial wins (Clover, Commerce Hub, Finxact), operational improvements (incident reduction) and balance-sheet actions are clear positives. However, notable near-term headwinds — including Argentina macro effects, delayed client implementations, hardware market softness, and incremental H2 investments that reduce margins — led to lowered H2 and full-year revenue/margin expectations. Management frames much of the weakness as timing/transition related and is pursuing portfolio review and targeted investments to drive medium-term improvement.
View all IT:1FISV earnings summaries1FISV Net sales Breakdown
- 47.85% Merchant
- 45.60% Financial
- 6.55% Corporate and Other
1FISV Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 6 | 5 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 9 | 0 | 3 |