Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for US banks and credit unions, with a focus on small and midsize banks. Following its 2019 merger with First Data, Fiserv also provides payment processing services to merchants. About 10% of the company's revenue is generated internationally.
The chart shows the growth of an initial investment of $10,000 in Fiserv, Inc. Common Stock, comparing it to the performance of the S&P 500 index.
All prices have been adjusted for splits and dividends.
Fiserv, Inc. Common Stock (FISV) has returned -16.84% so far this year and -11.70% over the past 12 months. Looking at the last ten years, FISV has achieved an annualized return of 0.84%, underperforming the Benchmark (SPY), which averaged 12.23% per year.
The table below presents the monthly returns of Fiserv, Inc. Common Stock (FISV) with color gradation from worst to best to easily spot seasonal factors.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -5.63% | -2.24% | -8.67% | 0.65% | ||||||||
| 2025 | -3.35% | 9.33% | ||||||||||
| 2023 | 4.88% | 8.64% | -1.49% | 8.48% | -7.78% | 1.90% | ||||||
| 2022 | 1.77% | -7.90% | 4.18% | -4.33% | 2.69% | -11.67% | 19.05% | -3.63% | -7.09% | 8.92% | 1.06% | -3.15% |
| 2021 | -9.72% | 11.08% | 1.74% | 0.10% | -5.02% | -7.81% | 7.32% | 1.60% | -8.04% | -9.67% | -2.25% | 6.01% |
| 2020 | 2.25% | -8.84% | -12.56% | 13.25% | 5.51% | -8.19% | 1.95% | -0.94% | 3.63% | -8.46% | 18.84% | -2.24% |
| 2019 | 14.85% | 2.49% | 3.72% | -1.96% | 0.13% | 5.89% | 14.23% | -0.11% | -3.27% | 2.13% | 8.84% | -0.44% |
| 2018 | 6.73% | 1.93% | -0.86% | -0.25% | 2.47% | 1.48% | 2.42% | 6.08% | 3.19% | -4.06% | 6.80% | -7.65% |
| 2017 | 0.57% | 7.72% | -0.75% | 3.15% | 4.84% | -2.43% | 4.68% | -3.78% | 3.84% | 0.16% | 6.01% | 0.48% |
| 2016 | -4.53% | 7.92% | 3.30% | 1.70% | -6.45% | -3.51% | -0.63% | 5.96% | 1.65% |
The charts below present risk-adjusted performance metrics for Fiserv, Inc. Common Stock (FISV) and compare them to a Benchmark (SPY). These indicators evaluate an investment's returns against its associated risks.
The Sharpe ratio helps investors understand how much return they're getting for the level of risk taken. A higher Sharpe ratio indicates better risk-adjusted performance, meaning more reward for each unit of risk.
These values reflect how efficiently the investment has delivered returns relative to its volatility over different time periods. All figures are annualized and based on daily total returns.
The chart below shows the rolling Sharpe ratio of FISV compared to the benchmark. This view highlights how the investment's risk-adjusted performance has changed over time.
The current Fiserv, Inc. Common Stock volatility is 1.88%, representing the standart deviation of percentage change in the investments's value, either up or down over the past month. The chart below shows the rolling one-month volatility.
The Drawdowns chart displays portfolio losses from any high point along the way. It shows the maximum percentage drop from a peak to a trough over a specified period, indicating the risk of significant losses.
Although chart shows positive values, it represents the percentage drop from the peak, so a value of 10% means the portfolio has dropped 10% from its highest point.
The income statement provides a summary of a company's revenues, expenses, and profits over a specific period. It shows how much money the company earned (revenues) and how much it spent (expenses), leading to the net income or profit. This statement is crucial for understanding a company's financial performance and profitability.
| 2025 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Liabilities And Equity (USD) | 80.13B | 83.87B | 76.25B | 74.62B | 77.54B | 11.26B | 10.29B | 9.74B | 9.34B | 9.34B | 9.51B | 8.50B | 8.55B | 8.38B |
| Temporary Equity (USD) | - | 161.00M | 278.00M | 259.00M | 262.00M | - | - | - | - | - | - | - | - | - |
| Equity Attributable To Parent (USD) | 25.79B | 30.83B | 30.95B | 32.33B | 32.98B | 2.29B | 2.73B | 2.54B | 2.66B | 3.30B | 3.59B | 3.42B | 3.26B | 3.03B |
| Equity Attributable To Noncontrolling Interest (USD) | 17.00M | 699.00M | 720.00M | 740.00M | 1.62B | - | - | - | - | - | - | - | - | - |
| Equity (USD) | 25.81B | 31.53B | 31.67B | 33.07B | 34.60B | 2.29B | 2.73B | 2.54B | 2.66B | 3.30B | 3.59B | 3.42B | 3.26B | 3.03B |
| Redeemable Noncontrolling Interest (USD) | - | 161.00M | 278.00M | 259.00M | 262.00M | - | - | - | - | - | - | - | - | - |
| Other Non-current Liabilities (USD) | - | - | - | - | - | - | - | - | - | - | - | 745.00M | 511.00M | - |
| Long-term Debt (USD) | - | - | - | - | - | - | - | - | - | - | - | 3.23B | 3.40B | - |
| Noncurrent Liabilities (USD) | 30.43B | 25.72B | 26.00B | 25.65B | 26.96B | 6.96B | 5.62B | 5.38B | 5.18B | 4.56B | 4.60B | 3.98B | 3.91B | 4.19B |
| Other Current Liabilities (USD) | 23.09B | 25.81B | 17.70B | 15.20B | 15.34B | 1.88B | 1.86B | 1.71B | 1.43B | 1.43B | 1.27B | 1.01B | 1.23B | - |
| Wages (USD) | - | - | - | - | - | - | - | - | - | - | - | - | 157.00M | - |
| Accounts Payable (USD) | 797.00M | 652.00M | 593.00M | 437.00M | 392.00M | 127.00M | 80.00M | 110.00M | 74.00M | 61.00M | 67.00M | 97.00M | - | - |
| Current Liabilities (USD) | 23.89B | 26.46B | 18.30B | 15.64B | 15.73B | 2.01B | 1.94B | 1.82B | 1.50B | 1.49B | 1.33B | 1.11B | 1.38B | 1.16B |
| Liabilities (USD) | 54.32B | 52.18B | 44.30B | 41.29B | 42.68B | 8.97B | 7.56B | 7.20B | 6.68B | 6.04B | 5.93B | 5.08B | 5.29B | 5.35B |
| Other Non-current Assets (USD) | 52.40B | - | - | - | 58.89B | 8.64B | 7.92B | 7.61B | 7.44B | 7.53B | 5.53B | 5.08B | 5.05B | 4.80B |
| Intangible Assets (USD) | - | - | - | - | - | - | - | - | - | - | 2.14B | 1.76B | 1.88B | 2.01B |
| Fixed Assets (USD) | 3.08B | - | - | - | 1.61B | 398.00M | 390.00M | 405.00M | 396.00M | 317.00M | 266.00M | 249.00M | 258.00M | 293.00M |
| Noncurrent Assets (USD) | 55.48B | 56.33B | 57.38B | 58.40B | 60.49B | 9.04B | 8.31B | 8.02B | 7.83B | 7.85B | 7.94B | 7.09B | 7.19B | 7.10B |
| Other Current Assets (USD) | 24.05B | 27.11B | 18.46B | 15.87B | 16.70B | 2.07B | 1.84B | 1.59B | 1.36B | 1.35B | 1.45B | 1.32B | - | - |
| Prepaid Expenses (USD) | 603.00M | 431.00M | 410.00M | 348.00M | 348.00M | 158.00M | 136.00M | 141.00M | 146.00M | 132.00M | 122.00M | 97.00M | - | - |
| Current Assets (USD) | 24.65B | 27.54B | 18.87B | 16.22B | 17.05B | 2.22B | 1.98B | 1.73B | 1.51B | 1.49B | 1.57B | 1.41B | 1.36B | 1.28B |
| Assets (USD) | 80.13B | 83.87B | 76.25B | 74.62B | 77.54B | 11.26B | 10.29B | 9.74B | 9.34B | 9.34B | 9.51B | 8.50B | 8.55B | 8.38B |
Billionaire investor Seth Klarman's Baupost Group sold 41% of its Alphabet stake in Q4 2025 after the stock surged 70% over the past year. The fund simultaneously increased its position in Fiserv by 146%, a fintech company down 75% after disappointing earnings, guidance cuts, and customer complaints about excessive fees. Despite recent troubles, Klarman sees value in Fiserv trading at less than 7x forward earnings versus its historical 30x multiple.
The global revenue management market is expected to experience significant growth at a 15.0% CAGR through 2035, driven by AI integration, cloud solutions, and real-time analytics. Key growth sectors include telecom, hospitality, and airlines, with Asia-Pacific anticipated to see the fastest expansion. Cloud-based solutions and managed services are gaining prominence, while revenue assurance and fraud management solutions are expected to grow at higher rates.
Fiserv, a fintech company with a $34 billion market cap, is presented as an undervalued investment opportunity. Despite poor stock performance in recent years, the company shows growth stability, trades at a forward P/E ratio of 7.5 (well below its 5-year average of 15.5), and has catalysts including a new CEO focused on AI integration, a new digital currency settlement platform (INDX), and activist investor interest.
Fiserv stock has plummeted 73% over the past year after missing earnings expectations, but the company's new CEO Mike Lyons is implementing the 'One Fiserv' turnaround plan focused on AI integration and technology innovation. The company demonstrated stability in its Q4 report with flat revenue, and investors will be watching for signs of renewed growth through higher revenue and raised guidance as the company moves beyond stabilization.
Fiserv, a leading payments technology company, has seen its stock plummet 74% over the past year after missing earnings targets and identifying competitive gaps. The company is executing a turnaround plan involving AI partnerships and new platforms. While Q4 showed stability with beat EPS guidance, investors will closely monitor whether Fiserv meets expectations over the next three quarters to determine if it can recover.
Fiserv stock surged 4.64% after reporting Q4 2025 results that exceeded analyst expectations, with revenue of $5.3 billion (vs. $4.9B expected) and adjusted EPS of $1.99 (vs. $1.90 expected). The company guided for 2026 organic revenue growth of 1-3% and adjusted EPS of $8.00-$8.30, suggesting its One Fiserv strategic initiative is working. However, analysts recommend waiting for further evidence of sustained growth before committing.
Three major corporations released mixed earnings results: Coca-Cola beat EPS expectations but missed on revenue due to currency headwinds and impairment charges; Duke Energy exceeded both EPS and revenue forecasts driven by infrastructure investments; Fiserv topped EPS estimates despite a slight revenue miss, demonstrating resilience through strategic acquisitions and operational efficiency.
PayPal stock plunged 20.1% on February 3, 2026, after missing Q4 2025 earnings expectations with $6.7B revenue and $1.23 EPS, while also cutting 2026 profit guidance and withdrawing 2027 targets. The company announced CEO Alex Chriss's departure, replaced by Enrique Lores from HP. The broader market declined with the S&P 500 down 0.84% and Nasdaq down 1.43%.
Fiserv stock has plummeted to a P/E ratio of 10 after missing Q3 earnings expectations and cutting full-year guidance significantly. The company also faces a shareholder lawsuit over its Clover payment platform. However, as a market-leading payment processor with a strong SaaS model and recurring revenue, the stock may represent an opportunity at current valuations, especially with new CEO Mike Lyons implementing operational improvements and AI integration.
Fiserv's stock plummeted 70% in 2025 after the company slashed its organic revenue growth projections from 12% to 4%, primarily due to normalization of inflation-driven growth in Argentina. While the stock trades at decade-low valuations, the analyst recommends a sell rating, citing concerns about the company's transition plan and risk of becoming a value trap amid slow growth and competition.
