Fiserv

FISV

Information Technology Services · Technology

Also trades as: 0IP9.L

Exchange

NASDAQ

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Mixed

Growth

Weak

Cash Flow

Exceptional

Stability

Mixed

Valuation

Strong

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Winston Score History

The full picture

Fiserv is a financial technology company that helps banks, credit unions, and businesses handle payments and manage money. Its core products include Clover (a point-of-sale system for small businesses), payment processing networks, and software that runs the back-office systems of thousands of banks. It is one of the largest financial technology companies in the world, processing billions of transactions every year.

Fiserv makes money by charging fees each time a payment is processed, plus recurring fees for software and services it provides to financial institutions. It operates mainly in the United States but has a growing international presence, and its 2019 acquisition of First Data significantly expanded its scale. The company's main competitive advantage is how deeply its software is embedded into bank operations, making it costly and difficult for customers to switch. The key risk is increasing competition from newer fintech companies and large tech firms entering the payments space.

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Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-4.1% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-37.1% YoY

YoY Growth Rate

Earnings declining

Insider Activity

0.4%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$1.7B cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Fiserv's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

19.2%

Thin — 19.2% gross margin

Profit after running costs

Operating Margin

19.2%

Healthy — 19.2% operating margin

Return on the money invested

ROCE

8.1%

Below par — 8.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

-1.2%

Shrinking sales (-1.2% YoY)

Profit growth

EPS YoY

-13.0%

Earnings shrinking (-13.0% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

214%

Turns 214% of profit into real cash

Spare cash per sale

FCF Margin

19.8%

Converts sales into free cash efficiently (19.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

1.04

Elevated debt (1.04)

Covers its interest

Interest Cover

2.92x

Tight — interest eats into profit (2.9x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

10.1x

no trend

Attractive valuation — P/E 10.1

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+4.7

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (10.1 → 5.4)

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Dividends

Not applicable for this business.

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