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FISERV INC

FISV

$62.73 ▲ +0.68 (+1.10%) at close

20 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

FISERV INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $34.3B

Dividend Yield —

Revenue Growth 3.6% ↘

Op. Margin 27.5% ↘

ROIC 17.8% ↗

FCF / Share $7.86 ↘

Trailing P/E 9.9x

Price / Book 1.3x

FCF Yield 12.5%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

20-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$21.19B

↑ +3.6% —

Net Income Profit after all expenses

$3.48B

↑ +11.1% —

Operating Margin Operating profit as % of sales

27.5%

↓ -4.5% 84th

FCF / Share Free cash flow per share

$7.86

↓ -10.2% —

Long-Term Debt Long-term obligations

$3.23B

↓ -4.9% —

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Cash Quality ↓

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue Growth YoY (%)	3.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	7.1% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	7.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+53%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	9.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	45.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+816%)	74.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1399%)	2.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-55%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-31%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	3.7% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-26%)	5.2% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+48%)	3.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	4.9% Caution → Caution Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	-11.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-322%)	24.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+395%)	—	—
EPS Growth YoY (%)	17.6% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	7.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	27.4% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	96.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	41.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-18.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-40.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-30.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	177.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	22.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	9.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	36.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.3% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	7.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-12.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	33.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	11.1% Fair ↓ Fair Declining Year-over-year change in net income	2.1% Caution ↓ Caution Declining Year-over-year change in net income	21.3% Good ↓ Good Declining Year-over-year change in net income	89.7% Excellent ↑ Excellent Improving Year-over-year change in net income	39.2% Excellent ↑ Excellent Improving Year-over-year change in net income	7.3% Fair ↑ Fair Improving Year-over-year change in net income	-24.8% Weak ↓ Weak Declining Year-over-year change in net income	-4.7% Weak ↓ Weak Declining Year-over-year change in net income	34.0% Excellent ↑ Excellent Improving Year-over-year change in net income	30.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-5.6% Weak ↓ Weak Declining Year-over-year change in net income	16.4% Good ↑ Good Improving Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	29.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-4.8% Weak ↓ Weak Declining Year-over-year change in net income	4.2% Caution ↓ Caution Declining Year-over-year change in net income	-16.3% Weak Weak Year-over-year change in net income	29.6% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	-10.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	41.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	26.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	12.7% Fair ↑ Fair Improving Year-over-year change in free cash flow	-10.2% Weak Weak Year-over-year change in free cash flow	19.3% Good Good Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	6.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	8.7% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	20.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	40.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	37.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	22.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.2% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-1.9% Weak Weak Compound annual revenue growth over 3 years	4.0% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	15.0% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	26.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	25.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	24.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	23.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	15.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.9% Fair → Fair Stable Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.9% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.0% Weak Weak Compound annual revenue growth over 5 years	4.0% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	17.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	39.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	52.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	31.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-11.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-25.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	24.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	24.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	50.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.6% Good ↓ Good Declining Compound annual EPS growth over 3 years	22.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	13.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-1.9% Weak Weak Compound annual EPS growth over 3 years	7.7% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Operating Margin (%) (%)	27.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+129%)	28.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+139%)	26.3% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	21.1% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	14.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	12.5% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.8% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	30.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+151%)	26.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+124%)	26.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+119%)	25.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+108%)	23.9% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	22.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	23.6% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+96%)	23.0% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	24.4% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	23.2% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+93%)	19.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	20.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+67%)	—
Profit Margin (%) (%)	16.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+105%)	15.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	16.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+101%)	14.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	8.2% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	6.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	8.8% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	21.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+173%)	16.9% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+111%)	13.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	14.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	10.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	12.0% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	11.7% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	12.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	11.9% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	—
FCF Margin (%) (%)	20.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	24.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.8% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	17.7% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.7% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	21.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	20.4% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF / Net Income (x)	1.24x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.62x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	1.23x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	1.24x Good ↓ Good Declining Free cash flow relative to reported net income Optimal: > 1x	2.15x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	3.39x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.32x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	—	—	—	—	—	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Return on Invested Capital (%)	17.8% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	17.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	13.3% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	9.6% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	5.8% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	4.5% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	3.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	60.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	44.3% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	44.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	38.9% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	29.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	23.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	12.6% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	11.8% Good → Good Stable Return earned on debt + equity capital invested Optimal: > 10%	12.1% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	11.2% Good Good Return earned on debt + equity capital invested Optimal: > 10%	11.1% Good Good Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	7.3% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.6% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	5.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	15.6% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	14.9% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	14.8% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	14.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	13.0% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.2% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	12.4% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.7% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	11.3% Good Good Operating profit relative to total assets Optimal: > 10%	9.7% Fair Fair Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	13.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	2.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	51.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+245%)	45.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+204%)	36.6% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+144%)	26.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+78%)	22.9% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+53%)	18.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+21%)	17.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	14.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	15.4% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	15.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	21.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+46%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	0.95x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+35%)	1.04x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+49%)	1.04x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+48%)	1.20x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+72%)	1.48x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+112%)	—	—
Interest Coverage (x)	—	—	4.99x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	5.01x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	3.29x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	2.59x Caution ↓ Caution Declining Operating income divided by interest expense Optimal: > 5x	3.17x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	9.08x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	8.70x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	8.87x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.71x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	7.42x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.47x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	6.07x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.30x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	5.09x Good ↓ Good Declining Operating income divided by interest expense Optimal: > 5x	4.30x Fair ↓ Fair Declining Operating income divided by interest expense Optimal: > 5x	3.49x Fair Fair Operating income divided by interest expense Optimal: > 5x	9.68x Good Good Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-798.00M	$-1.24B	$-1.20B	$-902.00M	$-835.00M	$-906.00M	—	—	—	—	—	—	$-400.00M	$2.87B	$3.06B	$2.79B	$3.28B	$3.62B	$-295.00M	$-115.00M
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	2.29x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.52x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	2.49x Fair ↓ Fair Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	3.51x Caution Caution Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	4.24x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Revenue per Share (USD)	$38.74	$35.35	$31.21	$27.61	$24.49	$22.10	$19.88	$14.36	$13.49	$24.99	$11.23	$10.19	$9.17	$8.25	$7.60	$6.87	$6.60	$7.08	$5.52	—
Basic EPS, GAAP (USD)	$6.36	$5.41	$5.02	$3.94	$2.01	$1.42	$1.74	$2.93	$2.95	$4.22	$1.52	$1.51	$1.24	$1.12	$0.83	$0.82	$0.77	$0.88	$0.66	—
Free Cash Flow per Share (USD)	$7.86	$8.75	$6.17	$4.89	$4.34	$4.83	$4.05	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$47.14	$46.77	$48.81	$48.00	$46.71	$48.10	$64.37	$5.65	$6.47	$11.53	$5.69	$6.63	$6.83	$6.29	$5.71	$5.37	$4.90	$4.00	—	—
Tangible Book Value per Share (USD)	$-21.77	$-16.44	$-12.01	$-9.31	$-8.27	$-5.94	$-5.97	$-8.41	$-6.77	$-12.86	$-5.43	$-3.85	$-7.19	$-5.64	$-5.86	$-5.03	$-5.42	$-5.99	—	—
Basic Weighted Avg Shares (shares)	547.10M	578.70M	611.70M	642.30M	662.60M	672.10M	512.30M	405.50M	422.30M	220.30M	467.80M	497.20M	524.80M	543.20M	570.40M	601.60M	618.00M	648.00M	666.40M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Working Capital (USD)	$764.00M	$1.32B	$1.26B	$1.09B	$575.00M	$582.00M	$1.32B	$214.00M	$37.00M	$-92.00M	$4.00M	$-42.00M	$240.00M	$307.00M	$-28.00M	$526.00M	$116.00M	$162.00M	—	—
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	$3.23B	$3.40B	$3.36B	$3.64B	$3.85B	—	—
Total Equity (USD)	$25.79B	$27.07B	$29.86B	$30.83B	$30.95B	$32.33B	$32.98B	$2.29B	$2.73B	$2.54B	$2.66B	$3.29B	$3.58B	$3.42B	$3.26B	$3.23B	$3.03B	$2.59B	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗	FY 2007 Dec 31, 2007 10-K ↗	FY 2006 Dec 31, 2006 10-K ↗
Sales/Revenue/Turnover (USD)	$21.19B	$20.46B	$19.09B	$17.74B	$16.23B	$14.85B	$10.19B	$5.82B	$5.70B	$5.50B	$5.25B	$5.07B	$4.81B	$4.48B	$4.34B	$4.13B	$4.08B	$4.59B	$3.68B	—
Depreciation Expense (USD)	$669.00M	$589.00M	$3.16B	$3.21B	$3.25B	$3.26B	$1.78B	$556.00M	$444.00M	$411.00M	$417.00M	$404.00M	$403.00M	$354.00M	$349.00M	$339.00M	$91.00M	—	—	—
Net Income, GAAP (USD)	$3.48B	$3.13B	$3.07B	$2.53B	$1.33B	$958.00M	$893.00M	$1.19B	$1.25B	$930.00M	$712.00M	$754.00M	$648.00M	$611.00M	$472.00M	$496.00M	$476.00M	$569.00M	$439.00M	—
Operating Cash Flow (USD)	$6.06B	$6.63B	$5.16B	$4.62B	$4.03B	$4.15B	$2.79B	—	—	—	—	—	—	—	—	—	—	—	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 20 years · 75 quarters

FISERV INC

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