Fiserv Inc. (F1IS34) Fair Value & Analysis
Technology · BR · Market cap R$138B (≈ $27.1B)
What is Fiserv Inc. really worth?
A solid business, but trading 156% above our fair value of R$52.78.
Strengths
Risks
Fair value as of: Aug 19, 2026
From 24 valuation models · updated 16 days ago
Share price −5.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (R$94.93). The favourable scenario is already priced in.
- The model range is unusually wide (R$22.19 to R$94.93). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 19, 2026.
How to read this chart
60‑month range R$120.53 – R$683.47 · fair‑value band R$22.19 – R$94.93 · the R$135.07 price screens above the R$52.78 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 19, 2026.
Analysis
Fiserv Inc. (F1IS34) currently trades at R$135.07, while our model-based Fair Value estimate is R$52.78, implying the stock looks roughly 155.9% overvalued today. The Quality Score stands at 66/100 (solid quality), in the Technology sector. Bull case: the Growth Earnings group reads highest at a median of R$68.24 per share, and 0 of the 24 models we run sit above the R$135.07 price. Bear case: the Asset-Based group reads lowest at R$16.20, and 24 of the 24 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Fiserv Inc. generated revenue of R$21.1B at a net margin of 15.2%. Revenue declined 2.0% year over year. It earns a return on equity of 12.2%. Net debt stands at R$26.1B. Fundamentals as of Aug 19, 2026
Our scenario range runs from R$22.19 (bear case) to R$94.93 (bull case); at R$135.07, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 72% below its 52-week high and 5% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at 69% fair-value upside, at −61%, F1IS34 screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly R$10.08 per share, which is 19.1 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 24 models by family
Widest divergence: Growth Earnings (R$68.24) versus Asset-Based (R$16.20). Highest evidence: FCF DCF (75).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 19, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 21
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments.
Full company description
Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The Merchant Solutions segment offers merchant acquiring and digital commerce services; mobile payment services; security and fraud protection solutions; stored-value solutions; software-as-a-service; POS devices; and pay-by-bank solutions. Its Financial Solutions segment provides digital payments, including debit card processing services, debit network services, security and fraud protection products, bill payment, person-to-person payments, and account-to-account transfers; issuing services comprising credit card processing services, prepaid card processing services, card production services, print services, government payment processing, and student loan processing; and banking services, such as customer loan and deposit account processing, digital banking, financial and risk management, professional services and consulting, and check processing services. The company serves merchants, banks, credit unions, other financial institutions, corporate, and public sector customers. The company has a strategic alliance with Western Alliance Bancorporation. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Fiserv Inc. reported revenue of $21.2B in FY2025 versus $16.2B in FY2021, a compound +6.9%/yr. Reported net income was $3.5B in FY2025, compounding +27.1%/yr from FY2021.
F1IS34 screens 156% overvalued. Compare with International Business Machines Corporation →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Q2 Earnings Outperformers: Fiserv (NASDAQ:FISV) And The Rest Of The Payment Processing Stocks
- Fiserv to Present at Upcoming Investor Conference
- Should Investors Buy Fiserv for Its Deep Discount Despite Weak Growth?
Peer Group
Information Technology Services · 486 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Information Technology Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Aug 19, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| International Business Machines Corporation IBM | $235.59 | $175.76 | −25% |
| Accenture plc ACN | $189.61 | $334.27 | +76% |
| Tata Consultancy Services Limited TCS | ₹2,302 | ₹3,473 | +51% |
| Infosys Limited INFY | ₹1,156 | ₹1,958 | +69% |
| HCL Technologies Limited HCLTECH | ₹1,282 | ₹1,722 | +34% |
| Fiserv, Inc FI | C$5.13 | C$8.07 | +57% |
| Wipro Limited WIT | $1.83 | $3.51 | +92% |
| Fidelity National Information Services, Inc FIS | $41.34 | $19.28 | −53% |
| Cognizant Technology Solutions Corporation CTSH | $64.04 | $132.01 | +106% |
| Capgemini SE CAP | €109.45 | €222.79 | +104% |
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