Fiserv sells software and technology services to banks, credit unions, and merchants. For financial institutions—primarily small and midsize U.S. banks and credit unions—it provides core banking systems, electronic funds transfer, and loan processing. Through its First Data business, it also handles payment processing for merchants (point-of-sale terminals, card acceptance). Revenue comes from processing fees and software subscriptions. Roughly 90% of revenue is U.S.-based.
Employees38,000IPOSep 25, 1986SIC7379HQ600 N. Vel R. Phillips Avenue, Milwaukee, WI, USA, 53203
to
Financials
Profitability
Metric
Current
Margins
Gross Margin
56.2%
Operating Margin
21.4%
EBITDA Margin
38.9%
Net Margin
13.4%
OCF Margin
27.9%
FCF Margin
18.8%
Returns on Capital
ROE
10.8%
ROA
3.5%
ROIC
4.9%
ROCE
8.5%
ROC (Greenblatt)
93.8%
3Y ROIIC
−33.3%
Consistency
Years Profitable / 10Y
10
Valuation
Metric
Current
Earnings Multiples
P/E (TTM)
9.13
Forward P/E
5.71
P/E ex-NRI
7.00
Shiller P/E (CAPE)
11.86
Cash Flow Multiples
P/FCF
6.49
P/OCF
4.40
P/Owner Earnings
6.02
FCF Yield
15.52%
Enterprise Value Multiples
EV / EBIT
10.99
EV / Forward EBIT
11.05
EV / EBITDA
6.56
EV / Forward EBITDA
6.45
EV / Revenue
2.55
EV / Forward Revenue
2.55
Asset / Sales
P/S
1.23
P/B
0.94
P/Tangible Book
—
Growth-Adjusted
PEG
0.38
Capital Returns
Metric
Current
Dividends
Dividend Yield (TTM)
0.00%
Forward Dividend Yield
0.00%
3Y Dividend Growth
0.0%
Payout Ratio
0.00
5Y Yield on Cost
0.00%
Buybacks & Dilution
3Y Buyback Ratio
5.40%
Combined
Shareholder Yield
−1.84%
Balance Sheet
Metric
Current
Leverage
Debt / Equity
1.04
Gross Debt / EBITDA
3.46
Cash / Debt
0.01
Equity / Assets
0.33
Coverage
Interest Coverage
2.88
Short-Term Liquidity
Current Ratio
1.04
Quick Ratio
1.04
Cash Ratio
0.01
Composite Scores
Piotroski F-Score
6
Altman Z-Score
1.29
Split History
Date
Split
2018-03-20
2:1
2013-12-17
2:1
2001-09-04
1.5:1
1999-05-03
1.5:1
1998-06-01
1.5:1
1993-05-03
1.5:1
1992-06-01
1.5:1
1991-07-02
1.5:1
Ex-date
Amount
Pay date
No dividend history found.
Date
Transcript
Type
2026-08-06
Q2 2026 Fiserv Inc Earnings Call Transcript
Earnings Call
2026-06-02
Fiserv Inc RW Baird 2026 Global Consumer, Technology and Services Conference Transcript
Analyst/Investor Call
2026-05-28
Fiserv Inc at Bernstein Strategic Decisions Conference Transcript
Conference Presentations
2026-05-21
Fiserv Inc Annual Shareholders Meeting Transcript
Shareholders and Annual Meetings
2026-05-19
Fiserv Inc at JPMorgan Global Technology, Media and Communications Conference Transcript
Conference Presentations
2026-05-14
Fiserv Inc Investor Day Transcript
Analyst/Investor Call
2026-05-05
Q1 2026 Fiserv Inc Earnings Call Transcript
Earnings Call
2026-02-10
Q4 2025 Fiserv Inc Earnings Call Transcript
Earnings Call
2025-10-29
Q3 2025 Fiserv Inc Earnings Call Transcript
Earnings Call
2025-07-23
Q2 2025 Fiserv Inc Earnings Call Transcript
Earnings Call
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5-Step DuPont Analysis
ROE %
10.75%
×
×
Net Margin %
13.42%
×
×
Operating Margin %
21.41%
Operating Income
$4.47B
÷
Revenue
$20.87B
×
Tax Burden
0.8503
Net Income
$2.80B
÷
Pretax Income
$3.29B
×
Interest Burden
0.7372
Pretax Income
$3.29B
÷
Operating Income
$4.47B
×
Asset Turnover
0.26
÷
Revenue
$20.87B
÷
Average Total Assets
$81.21B
Begin Total Assets
$81.53B
End Total Assets
$80.89B
×
Equity Multiplier
3.12
÷
Avg Total Assets
$81.21B
÷
Avg Stockholders Equity
$26.06B
Begin Equity
$25.21B
End Equity
$26.90B
Top institutional holders
Q2 2026| Holder | Shares | Chg. shares | |
|---|---|---|---|
| Dodge & Cox | 50.2M | -66.0K | $2.46B |
| BlackRock, Inc. | 42.4M | +2.5M | $2.08B |
| VANGUARD CAPITAL MANAGEMENT LLC | 33.1M | -15.2K | $1.62B |
| STATE STREET CORP | 23.8M | +154.3K | $1.17B |
| HARRIS ASSOCIATES L P | 22.2M | +2.5M | $1.09B |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 20.8M | -357.1K | $1.02B |
| Capital World Investors | 16.8M | +2.9M | $825.12M |
| GEODE CAPITAL MANAGEMENT, LLC | 15.3M | +2.1M | $760.42M |
| First Eagle Investment Management, LLC | 10.9M | +3.4M | $532.57M |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | 10.5M | +4.6M | $513.53M |
10 of 1,164
View allTop insider holdings
as reported| Insider | Shares held | |
|---|---|---|
| Lyons Michael P.Officer | 351.3K | $16.71M |
| GEORGAKOPOULOS PANAGIOTISOfficer | 303.9K | $14.45M |
| Suryadevara DhivyaOfficer | 228.5K | $10.86M |
| Todd Paul MOfficer | 183.3K | $8.72M |
| Hau Robert W.Officer | 177.1K | $8.42M |
| Rosman Adam L.Officer | 173.5K | $8.25M |
| Gelb AndrewOfficer | 91.6K | $4.35M |
| Simons DoyleDirector | 84.4K | $4.01M |
| Bisignano FrankOfficer | — | — |
| Chiarello GuyOfficer | — | — |
10 of 25· 2 withheld
View allRecent insider activity
through Sep 17, 2026| Insider | Action | Shares | Date | |
|---|---|---|---|---|
| Todd Paul MOfficer | Tax Withholding | -795 | $39.2K | Sep 17, 2026 |
| FRITZ LANCE MDirector | Open-Market or Private Purchase | +10.0K | $519.5K | Aug 7, 2026 |
| Rosman Adam L.Officer | Grant/Award (Rule 16b-3(d)) | +36.8K | $0 | Aug 3, 2026 |
| Todd Paul MOfficer | Open-Market or Private Purchase | +10.1K | $500.0K | Jun 17, 2026 |
| Mamilli WafaaDirector | Open-Market or Private Purchase | +3.0K | $149.7K | Jun 17, 2026 |
| Yarkoni CharlotteDirector | Open-Market or Private Purchase | +2.0K | $100.1K | Jun 16, 2026 |
| DiSimone HarryDirector | Open-Market or Private Purchase | +2.1K | $101.1K | Jun 16, 2026 |
| Nixon Gordon M.Director | Open-Market or Private Purchase | +7.5K | $371.8K | Jun 16, 2026 |
| Rosman Adam L.Officer | Open-Market or Private Purchase | +10.2K | $500.7K | Jun 16, 2026 |
| GEORGAKOPOULOS PANAGIOTISOfficer | Grant/Award (Rule 16b-3(d)) | +50.1K | $0 | Jun 15, 2026 |
10 of 2,242
View all