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STOCK COMPARISON

Fiserv vs International Business Machines: Fair Value & Quality

Both stocks run through our valuation models. Here is how Fiserv (F1IS34) and International Business Machines (IBM) compare, as of Sep 5, 2026.

As of Sep 5, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Fiserv trades at BRL 135 versus a fair value of BRL 52.78 (-61%), while International Business Machines trades at $235 versus $176 (-25%).
Fiserv
F1IS34.SA · BRL · Information Technology
-61%
upside to fair value
overvalued
PriceBRL 135
Fair ValueBRL 52.78
Quality66/100
International Business Machines
IBM · USD · Information Technology
-25%
upside to fair value
overvalued
Price$235
Fair Value$176
Quality67/100
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Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

FiservInternational Business Machines
Valuation
8.5×P/E (TTM)25.7×
1.28×P/S (TTM)2.96×
1.05×P/B6.25×
6.4×EV/EBITDA14.8×
0.82×PEG2.71×
−60.9%Fair value upside−25.1%
—Dividend yield2.9%
—Dividend per share$6.72
Profitability
17%Operating margin14%
2.96×EBIT margin trend (5Y)1.63×
12%Return on equity36%
4%Return on assets5%
Growth
-2%Revenue growth (YoY)10%
6.1%Avg. growth/yr (3Y)3.7%
7.4%Avg. growth/yr (5Y)-1.7%
+35.4%Value creation/yr+16.1%
Balance & size
3.8×Interest coverage (EBIT/interest)5.3×
1.04×Debt / equity1.68×
$27BMarket cap$204B
healthyGrowth qualityweak

Fiserv leads: 12 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Fiservof which business quality 63 · market factors 21 International Business Machinesof which business quality 61 · market factors 35
ProfitabilityMargins and returns on capital today
40
59
Quality GrowthAre margins and returns improving?
46
68
CashflowEarnings quality: real cash, not paper profit
81
70
Fin. StrengthBalance sheet, leverage, solvency risk
39
39
InvestmentDisciplined investing over empire-building
88
66
Low VolatilityCalm price path (market factor)
38
54
MomentumPrice trend over the last 3–12 months (market factor)
22
27
52W MomentumDistance to the 52-week high (market factor)
2
25
Net IssuanceBuybacks instead of dilution
100
69

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyFiservPrice BRL 135International Business MachinesPrice $235
DCF Models-51%below the priceBRL 65.93-27%below the price$170
Earnings-Based-75%below the priceBRL 33.58-64%below the price$84.63
Dividend Discountn/a-67%below the price$76.30
Multiples-46%below the priceBRL 73.42-12%close to the price$206
Asset-Based-88%below the priceBRL 16.20-90%below the price$23.27
Growth DCF-56%below the priceBRL 59.65-47%below the price$125
Economic Profit-76%below the priceBRL 32.51-64%below the price$84.51
Growth Earnings-49%below the priceBRL 68.24+1%close to the price$237
Minimum-88%below the priceBRL 16.20-90%below the price$23.27
Maximum-46%below the priceBRL 73.42+1%close to the price$237
Median-56%below the priceBRL 59.65-55%below the price$105
Geometric mean-67%below the priceBRL 44.55-56%below the price$103

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Fiserv: 24 of 24 models see the stock below the current price.

International Business Machines: 21 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Fiserv
Bear BRL 22.19Fair Value BRL 52.78Bull BRL 94.93
BRL 135 = current price (white tick)
International Business Machines
Bear $111Fair Value $176Bull $273
$235 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Fiserv · Information Technology

Quality score66 · Top 25%
Fair value upside-61% · below median

International Business Machines · Information Technology

Quality score67 · Top 25%
Fair value upside-25% · above median

Bottom line

As of Sep 5, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Fiserv trades at BRL 135 versus a fair value of BRL 52.78 (-61%), while International Business Machines trades at $235 versus $176 (-25%).

International Business Machines has the higher quality score (67/100).

See the full analysis →
Fiserv · International Business Machines

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.