FISV
Bearish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Supports a bullish reading. 2 purchase disclosures year to date
- Financial indicators Supports a bullish reading. Current ratio 1.03 · operating margin 27%
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 10 000 titres (~519 500,00 $ US)
- Insiders
- FRITZ LANCE M
- Total bought
-
$519,500
Avg buy (VWAP, 90d window) $51.95 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-08-07
- Last synced
-
2026-08-13 10:04:48
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-07 | FRITZ LANCE M | Buy | 10,000 | $51.95 | $519,500 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bearish signalScored 2026-09-06
FISV shows decent financial health with improving margins and strong cash flow, but the very weak catalyst score (20) driven by a Q2 earnings miss, guidance cut, and margin pressure under a new CEO creates a strong…
The first sentence of the analysis written for FISV on 2026-09-06 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 59.4% | 60.8% | 59.8% | 54.9% | 49.9% | |
| Ebit Margin | 27.3% | 28.1% | 25.7% | 20.6% | 14.6% | |
| Ebitda Margin | 42.3% | 43.2% | 42.0% | 38.5% | 34.3% | |
| Operating Profit Margin | 26.9% | 28.7% | 26.3% | 21.1% | 14.1% | |
| Pretax Profit Margin | 20.3% | 18.7% | 20.3% | 17.7% | 10.9% | |
| Continuous Operations Profit Margin | 16.5% | 15.5% | 16.4% | 14.6% | 8.6% | |
| Net Profit Margin | 16.4% | 15.3% | 16.1% | 14.3% | 8.2% | |
| Bottom Line Profit Margin | 16.4% | 15.3% | 16.1% | 14.3% | 8.2% | |
| Current Ratio | 1.032 | 1.060 | 1.038 | 1.041 | 1.031 | |
| Quick Ratio | 1.032 | 1.060 | 1.038 | 1.041 | 1.031 | |
| Solvency Ratio | 0.122 | 0.126 | 0.103 | 0.109 | 0.102 | |
| Cash Ratio | 0.033 | 0.056 | 0.036 | 0.034 | 0.046 | |
| Price To Earnings Ratio | 10.595 | 37.970 | 26.462 | 25.652 | 51.637 | |
| Price To Earnings Growth Ratio | 0.616 | 4.887 | 0.965 | 0.267 | 1.273 | |
| Forward Price To Earnings Growth Ratio | 0.616 | 4.887 | 0.965 | 0.267 | 1.273 | |
| Price To Earnings Diluted Ratio | 10.595 | 38.182 | 26.675 | 25.915 | 52.156 | |
| Price To Earnings Diluted Growth Ratio | 0.594 | 4.754 | 0.963 | 0.270 | 1.238 | |
| Price To Book Ratio | 1.430 | 4.392 | 2.722 | 2.106 | 2.222 | |
| Price To Sales Ratio | 1.740 | 5.811 | 4.256 | 3.660 | 4.238 | |
| Price To Free Cash Flow Ratio | 8.578 | 23.484 | 21.531 | 20.681 | 23.929 | |
| Price To Operating Cash Flow Ratio | 6.083 | 17.927 | 15.742 | 14.057 | 17.048 | |
| Debt To Assets Ratio | 0.363 | 0.323 | 0.256 | 0.257 | 0.279 | |
| Debt To Equity Ratio | 1.129 | 0.922 | 0.778 | 0.699 | 0.686 | |
| Debt To Capital Ratio | 0.530 | 0.480 | 0.438 | 0.411 | 0.407 | |
| Long Term Debt To Capital Ratio | 0.503 | 0.460 | 0.421 | 0.398 | 0.395 | |
| Financial Leverage Ratio | 3.107 | 2.851 | 3.044 | 2.721 | 2.463 | |
| Working Capital Turnover Ratio | 20.339 | 15.864 | 16.284 | 21.357 | 28.048 | |
| Operating Cash Flow Ratio | 0.254 | 0.299 | 0.154 | 0.175 | 0.220 | |
| Operating Cash Flow Sales Ratio | 0.286 | 0.324 | 0.270 | 0.260 | 0.249 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.709 | 0.763 | 0.731 | 0.680 | 0.712 | |
| Debt Service Coverage Ratio | 3.552 | 4.054 | 5.027 | 6.649 | 5.550 | |
| Interest Coverage Ratio | 3.722 | 4.749 | 4.994 | 5.013 | 3.287 | |
| Short Term Operating Cash Flow Coverage Ratio | 7.955 | 8.458 | 11.679 | 23.323 | 16.808 | |
| Operating Cash Flow Coverage Ratio | 0.208 | 0.266 | 0.222 | 0.214 | 0.190 | |
| Capital Expenditure Coverage Ratio | 3.438 | 4.226 | 3.719 | 3.122 | 3.478 | |
| Dividend Paid And Capex Coverage Ratio | 3.438 | 4.226 | 3.719 | 3.122 | 3.478 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 7.281 | 16.133 | 12.874 | 12.530 | 16.044 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 59.4% | ▼-1.5% | ▲2.4% |
| Ebit Margin | 27.3% | ▼-0.7% | ▲4.1% |
| Ebitda Margin | 42.2% | ▼-1.0% | ▲2.2% |
| Operating Profit Margin | 26.9% | ▼-1.8% | ▲3.5% |
| Pretax Profit Margin | 20.3% | ▲1.6% | ▲2.7% |
| Continuous Operations Profit Margin | 16.5% | ▲0.9% | ▲2.1% |
| Net Profit Margin | 16.4% | ▲1.1% | ▲2.4% |
| Bottom Line Profit Margin | 16.4% | ▲1.1% | ▲2.4% |
| Current Ratio | 1.032 | ▼-0.028 | ▼-0.008 |
| Quick Ratio | 1.032 | ▼-0.028 | ▼-0.008 |
| Solvency Ratio | 0.122 | ▼-0.004 | ▲0.010 |
| Cash Ratio | 0.033 | ▼-0.022 | ▼-0.008 |
| Price To Earnings Ratio | 10.595 | ▼-27.376 | ▼-19.869 |
| Price To Earnings Growth Ratio | 0.616 | ▼-4.271 | ▼-0.986 |
| Forward Price To Earnings Growth Ratio | 0.616 | ▼-4.271 | ▼-0.986 |
| Price To Earnings Diluted Ratio | 10.595 | ▼-27.587 | ▼-20.110 |
| Price To Earnings Diluted Growth Ratio | 0.594 | ▼-4.160 | ▼-0.970 |
| Price To Book Ratio | 1.430 | ▼-2.962 | ▼-1.144 |
| Price To Sales Ratio | 1.740 | ▼-4.071 | ▼-2.201 |
| Price To Free Cash Flow Ratio | 8.578 | ▼-14.906 | ▼-11.063 |
| Price To Operating Cash Flow Ratio | 6.083 | ▼-11.844 | ▼-8.088 |
| Debt To Assets Ratio | 0.363 | ▲0.040 | ▲0.068 |
| Debt To Equity Ratio | 1.129 | ▲0.207 | ▲0.286 |
| Debt To Capital Ratio | 0.530 | ▲0.051 | ▲0.077 |
| Long Term Debt To Capital Ratio | 0.503 | ▲0.043 | ▲0.068 |
| Financial Leverage Ratio | 3.107 | ▲0.256 | ▲0.270 |
| Working Capital Turnover Ratio | 20.339 | ▲4.475 | ▼-0.040 |
| Operating Cash Flow Ratio | 0.254 | ▼-0.045 | ▲0.033 |
| Operating Cash Flow Sales Ratio | 0.286 | ▼-0.038 | ▲0.008 |
| Free Cash Flow Operating Cash Flow Ratio | 0.709 | ▼-0.054 | ▼-0.010 |
| Debt Service Coverage Ratio | 3.552 | ▼-0.503 | ▼-1.415 |
| Interest Coverage Ratio | 3.722 | ▼-1.027 | ▼-0.631 |
| Short Term Operating Cash Flow Coverage Ratio | 7.955 | ▼-0.502 | ▼-5.689 |
| Operating Cash Flow Coverage Ratio | 0.208 | ▼-0.058 | ▼-0.012 |
| Capital Expenditure Coverage Ratio | 3.438 | ▼-0.788 | ▼-0.158 |
| Dividend Paid And Capex Coverage Ratio | 3.438 | ▼-0.788 | ▼-0.158 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 7.281 | ▼-8.852 | ▼-5.691 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $36.88B | $118.88B | $81.26B | $64.92B | $68.77B | |
| Enterprise value | $65.20B | $142.60B | $103.29B | $85.56B | $89.17B | |
| EV / Sales | 3.08x | 6.97x | 5.41x | 4.82x | 5.50x | |
| EV / Op. cash flow | 10.76x | 21.50x | 20.01x | 18.53x | 22.11x | |
| EV / Free cash flow | 15.17x | 28.17x | 27.37x | 27.26x | 31.03x | |
| EV / EBITDA | 7.28x | 16.13x | 12.87x | 12.53x | 16.04x | |
| Net debt / EBITDA | 3.16x | 2.68x | 2.75x | 3.02x | 3.67x | |
| Current ratio | 1.03x | 1.06x | 1.04x | 1.04x | 1.03x | |
| Income quality | 1.74x | 2.08x | 1.68x | 1.79x | 2.88x | |
| Graham number | $82 | $75 | $74 | $65 | $46 | |
| Graham net-net | -$92 | -$78 | -$92 | -$76 | -$62 | |
| Tax burden | 80.9% | 81.9% | 79.0% | 80.8% | 75.5% | |
| Interest burden | 74.2% | 66.5% | 79.2% | 85.6% | 74.8% | |
| Working capital | $764.0M | $1.32B | $1.26B | $1.09B | $575.0M | |
| Invested capital | $51.71B | $50.22B | $51.84B | $52.27B | $52.76B | |
| Return on assets | 4.3% | 4.1% | 3.4% | 3.0% | 1.7% | |
| Operating ROA | 7.2% | 7.0% | 5.7% | 4.7% | 3.0% | |
| Return on tangible assets | 10.8% | 10.2% | 7.2% | 7.3% | 5.2% | |
| Return on equity | 13.5% | 11.6% | 10.3% | 8.2% | 4.3% | |
| Return on invested capital | 8.0% | 8.7% | 6.9% | 5.3% | 3.1% | |
| Return on capital employed | 10.1% | 10.7% | 8.7% | 6.5% | 3.9% | |
| Earnings yield | 9.4% | 2.6% | 3.8% | 3.9% | 1.9% | |
| Free cash flow yield | 11.7% | 4.3% | 4.6% | 4.8% | 4.2% | |
| Capex / Op. cash flow | 29.1% | 23.7% | 26.9% | 32.0% | 28.8% | |
| Capex / Depreciation | 55.8% | 50.7% | 47.4% | 46.7% | 36.3% | |
| Capex / Sales | 8.3% | 7.7% | 7.3% | 8.3% | 7.1% | |
| SG&A / Sales | 32.5% | 32.1% | 34.4% | 34.2% | 35.8% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.7% | 1.8% | 1.8% | 1.8% | 1.5% | |
| Intangibles / Total assets | 59.7% | 60.3% | 53.3% | 58.7% | 66.2% | |
| Days sales outstanding | 71d | 75d | 68d | 74d | 64d | |
| Days payables outstanding | 34d | 23d | 21d | 30d | 27d | |
| Operating cycle | 71d | 75d | 68d | 74d | 64d | |
| Cash conversion cycle | 37d | 52d | 47d | 44d | 38d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-69.0%EV / Sales ▼-55.9%EV / EBITDA ▼-54.9%EV / Op. cash flow ▼-10.749Earnings yield ▲+0.068Graham number ▲+6.398
Profitability
Return on equity ▲+0.019Return on assets ▲+0.003Return on invested capital ▼-0.007Return on capital employed ▼-0.006Operating ROA ▲+0.002Income quality ▼-0.348Tax burden ▼-0.010
Efficiency
Days sales outstanding ▼-4.293Days payables outstanding ▲+10.502Operating cycle ▼-4.293Cash conversion cycle ▼-14.795Capex / Sales ▲+0.006R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.028Net debt / EBITDA ▲+0.479Working capital ▼-556000000.000Invested capital ▲+1494000000.000Intangibles / Total assets ▼-0.006
Change over 5 years
Valuation
Market cap ▼-46.4%EV / Sales ▼-44.0%EV / EBITDA ▼-54.6%EV / Op. cash flow ▼-11.350Earnings yield ▲+0.075Graham number ▲+35.856
Profitability
Return on equity ▲+0.092Return on assets ▲+0.026Return on invested capital ▲+0.049Return on capital employed ▲+0.062Operating ROA ▲+0.042Income quality ▼-1.138Tax burden ▲+0.054
Efficiency
Days sales outstanding ▲+6.777Days payables outstanding ▲+7.149Operating cycle ▲+6.777Cash conversion cycle ▼-0.372Capex / Sales ▲+0.012R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.001Net debt / EBITDA ▼-0.508Working capital ▲+189000000.000Invested capital ▼-1047000000.000Intangibles / Total assets ▼-0.064
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
| Date | Member | Side | Amount range | Filing |
|---|---|---|---|---|
| 2026-08-10 | Ro Khanna | Buy | $1,001 - $15,000 | Filing |
| 2025-10-03 | Julie Johnson | Buy | $1,001 - $15,000 | Filing |
| 2025-10-03 | Julie Johnson | Buy | $1,001 - $15,000 | Filing |
| 2025-10-02 | Julie Johnson | Buy | $1,001 - $15,000 | Filing |
Recent trades
| Date | Representative | Type | Amount |
|---|---|---|---|
| 2026-04-14 | Gilbert Cisneros | Sale | $1,001 - $15,000 |
| 2026-03-13 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2026-01-29 | Ro Khanna | Sale | $1,001 - $15,000 |
| 2026-01-13 | Ro Khanna | Purchase | $1,001 - $15,000 |
| 2025-12-19 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-11-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-11-12 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2025-10-31 | Thomas H. Kean | Sale (Full) | $1,001 - $15,000 |
| 2025-10-03 | Julie Johnson | Sale | $1,001 - $15,000 |
| 2025-10-03 | Julie Johnson | Purchase | $1,001 - $15,000 |
| 2022-12-20 | John Curtis | Sale (Partial) | $1,001 - $15,000 |
| 2022-03-08 | Dan Newhouse | Purchase | $1,001 - $15,000 |
| 2022-01-28 | William R. Keating | Sale (Full) | $1,001 - $15,000 |
| 2021-09-16 | Lois Frankel | Sale (Full) | $1,001 - $15,000 |
| 2021-09-15 | Lois Frankel | Sale (Partial) | $1,001 - $15,000 |
| 2021-07-19 | John Curtis | Purchase | $1,001 - $15,000 |
| 2021-07-14 | Lois Frankel | Sale (Partial) | $1,001 - $15,000 |
| 2021-06-22 | John Curtis | Purchase | $1,001 - $15,000 |
| 2021-03-17 | William R. Keating | Purchase | $1,001 - $15,000 |
| 2021-02-22 | David B. McKinley | Purchase | $1,001 - $15,000 |
| 2021-01-13 | Susie Lee | Sale (Full) | $1,001 - $15,000 |
| 2021-01-12 | Susie Lee | Sale (Partial) | $1,001 - $15,000 |
| 2020-11-04 | Susie Lee | Sale (Partial) | $1,001 - $15,000 |
| 2020-08-07 | Joe Courtney | Sale (Full) | $1,001 - $15,000 |
| 2020-05-13 | Lois Frankel | Sale (Partial) | $1,001 - $15,000 |
| 2020-05-01 | Joe Courtney | Purchase | $1,001 - $15,000 |
| 2020-03-18 | Gilbert Cisneros | Purchase | $1,001 - $15,000 |
| 2019-07-22 | Bryan George Steil | Sale (Full) | $50,001 - $100,000 |
| 2019-07-12 | Bryan George Steil | Sale (Full) | $50,001 - $100,000 |
| 2019-05-03 | Bradley S. Schneider | Purchase | $100,001 - $250,000 |
| 2018-11-14 | Lois Frankel | Purchase | $1,001 - $15,000 |
Recent news
- 2026-08-11 Here Are Tuesday’s Top Wall Street Analyst Research Calls: Airbnb, AppLovin, Autodesk, Best Buy, BigBear.ai, Boeing, Fiserv, Jabil, Spotify Technology and More Wall Street analysts are reshuffling their bets ahead of a critical inflation report, with major calls hitting Airbnb, AppLovin, Boeing, Spotify, and a handful of others that could move your portfolio before the week is out.
- 2026-08-10 Fiserv Cuts 2026 Outlook as Margin Pressure Tests Its Recovery Story FISV cuts its 2026 outlook after a Q2 miss, as weaker margins, delayed implementations and higher technology spending pressure its recovery story.
- 2026-08-10 Is Fiserv Worth Buying Now After Earnings Cuts and a Deep Valuation? FISV''s deep valuation offers appeal, but weaker earnings, falling revenues and margin pressure keep the rebound case tied to stabilization.
- 2026-08-10 Dudley & Shanley Inc. Cuts Stock Position in Fiserv, Inc. $FISV Dudley and Shanley Inc. lessened its holdings in Fiserv, Inc. (NASDAQ: FISV) by 23.2% during the undefined quarter, according to its most recent Form 13F filing with the SEC. The fund owned 110,558 shares of the business services provider''s stock after selling 33,365 shares during the period. Fiserv makes up about 0.8% of
- 2026-08-07 FISV Q2 Earnings Call Resets Outlook on Delays, Tech Spend Fiserv cuts its 2026 outlook as client delays, Argentina weakness and higher tech spending pressure growth, with management focused on a 2027 rebound.
- 2026-08-06 Fiserv''s New CEO Resets Guidance as Headwinds Hit Growth Five weeks into Takis Georgakopoulos'' tenure as CEO, Fiserv used the first quarterly report under its new leader to reset expectations for 2026. The payments and banking technology provider lowered its full-year revenue and earnings guidance Thursday, pointing to delayed client projects, weaker conditions in Argentina and softer hardware sales.
- 2026-08-06 Fiserv Inc (FISV) (Q2 2026) Earnings Call Highlights: Strategic Investments and Portfolio Review Amidst Lowered Guidance Total Company Adjusted Revenue: $4.96 billion in Q2, a decrease of 4% year-over-year.Total Company Organic Revenue: Decreased 5% in Q2 compared to the prior yea
- 2026-08-06 Fiserv Q2 Earnings Call Highlights Fiserv NASDAQ: FISV reported second-quarter results that were in line with its guidance, while lowering its full-year revenue and margin outlook as Argentina-related pressures, delayed client implementations, hardware sales trends and additional technology spending weigh on its second-half expectations.
- 2026-08-06 Fiserv cuts 2026 outlook as Q2 earnings, revenue miss estimates Fiserv Inc (NYSE:FI) shares fell more than 3% on Thursday after the payments and financial technology company lowered its 2026 outlook, while second quarter adjusted earnings and revenue came in below Wall Street expectations. Fiserv now expects full-year 2026 organic revenue to be between a 1% decline and flat, compared with its previous forecast for growth of 1% to 3%.
- 2026-08-06 FISV Q2 Earnings Miss Estimates on Margin Pressure, Revenues Decline Fiserv''s Q2 revenues miss estimates and margin pressure leads to an earnings miss and cuts in its 2026 growth and profit outlook.