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Fiserv

FISV
40
Information Technology Services · Technology
Also trades as: 0IP9.L GBP 0.50 (-1.82%)
Price
$49.86
-0.96 (-1.89%)
Market Cap
$26.51B
Exchange
NASDAQ
Winston Score
40
Winston is serious
Mixed quality — meaningful strengths and weaknesses.
Data as of Oct 25, 2026 · filings through Jun 30, 2026

§How the score breaks down

Quality
Mixed
11/30
Growth
Weak
3/20
Cash Flow
Exceptional
9/10
Stability
Mixed
4/10
Valuation
Exceptional
9/10
Ownership
Weak
2/15
Dividends
Not counted
n/a

38 of 95 counted points = Winston Score 40. Pillars marked n/a do not apply to this company and are left out of the total.

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Share count falling — buybacks

−18.3% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 671.6M (2021) → 549.0M (2025)

§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

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

Reported EPS Growth

-37.1% YoY

Quarterly reporting periods ended:

30 Jun 2025: $1.86

30 Jun 2026: $1.17

Reported/statutory EPS, not adjusted or underlying earnings. One-off items can affect this figure. Provider rounding can affect the growth rate.

YoY Growth Rate

Reported EPS decreased year over year

R&D Spend

$0/ year

0.0% of revenue

Below sector average (15%)

Research and development spending

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.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

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
208%
Turns 208% of profit into real cash
Spare cash per sale
FCF Margin
18.8%
Converts sales into free cash efficiently (18.8%)

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)
9.6x
Attractive valuation — P/E 9.6

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+4.5
GROWING
Earnings expected to grow meaningfully — cheaper on forward P/E (9.6 → 5.0)

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Dividends

Not applicable for this business.
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