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FISV Fair Value & Analysis

Technology · US · Market cap $27.6B

F FISV logo FISV FISV · US
Price$55.50
Fair Value$83.47
Upside+50.4%
Quality66/100
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Healthy Growth
Thin margins · 0.0% net margin
Moderate debt · generates free cash flow
Mixed vs. peers (6/13)
Wide moat 82/100
Evidence: High Range $45.48 – $130.34 Share as image

Fair value as of: Aug 13, 2026

From 11 valuation models · updated today

Share price +12.0% over the past month.

A solid business, screening 50% undervalued on our models.

What matters now

  • The model range is unusually wide ($45.48 to $130.34). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (5 years)

$237.79 $47.18 Fair Value $83.47 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range $47.18 – $237.79 · fair‑value band $45.48 – $130.34 · the $55.50 price screens below the $83.47 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

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Analysis

FISV (FISV) currently trades at $55.50, while our model-based Fair Value estimate is $83.47, implying the stock looks roughly 50.4% undervalued today. The Quality Score stands at 66/100 (solid quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Net debt stands at $28.3B. The stock trades on a trailing P/E of 8.8 (as of Jul 18, 2026). Fundamentals as of Aug 13, 2026

Our scenario range runs from $45.48 (bear case) to $130.34 (bull case); at $55.50, the current price sits within 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 69% below its 52-week high and 6% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -21% fair-value upside, at 50%, FISV screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted 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.

Model Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
Growth DCF $55.40 $131.18 $259.11 80
Rev-Margin DCF $22.98 $67.37 $124.61 74
P/E Multiple $62.60 $83.47 $104.34 63
All 11 models by family
DCF Models
Owner Earnings $68.77 $161.18 $321.18 31
5Y P/E Exit $25.45 $72.78 $125.90 38
10Y P/E Exit $34.93 $81.30 $144.85 35
Earnings-Based
Graham-Dodd $43.66 $200.02 $274.51 54
Lynch FV $52.50 $74.99 $97.49 50
Multiples
P/E Multiple $62.60 $83.47 $104.34 63
P/B Multiple $49.97 $66.62 $83.28 55
Asset-Based
NCAV (Graham) $23.79 $31.88 $47.59 50
Growth DCF
Growth DCF $55.40 $131.18 $259.11 80
Rev-Margin DCF $22.98 $67.37 $124.61 74
Economic Profit
Residual Income $45.81 $57.28 $136.79 61

Widest divergence: DCF Models ($81.30) versus Asset-Based ($31.88). Highest evidence: Growth DCF (80).

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Key figures & financial health

Free cash flow $4.3B FY2025
P/E ratio 8.8 as of Jul 18, 2026
Net debt $28.3B FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 66/100

Of which business quality 60 · Market factors (momentum, volatility) 13

Profitability 40
Margins and returns on capital today
Quality Growth 41
Are margins and returns improving?
Cashflow 81
Earnings quality: real cash, not paper profit
Fin. Strength 31
Balance sheet, leverage, solvency risk
Investment 88
Disciplined investing over empire-building
Low Volatility 0
Calm price path (market factor)
Momentum 27
Price trend over the last 3–12 months (market factor)
52W Momentum 4
Distance to the 52-week high (market factor)
Net Issuance 100
Buybacks instead of dilution

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.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

FISV 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.

Growth Quality 75/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
$21.2B
Latest YoY
+3.6%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+6.1%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+7.4%
Avg. growth/yr (40Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+17.6%
Revenue +6.9%/yr
FY21 $16.2B
FY22 $17.7B
FY23 $19.1B
FY24 $20.5B
FY25 $21.2B
Net income +27.1%/yr
FY21 $1.3B
FY22 $2.5B
FY23 $3.1B
FY24 $3.1B
FY25 $3.5B
Character of growth · EPS growth decomposed (2014-2025) +14.2 % p.a.
Revenue per share +13.6 pp

of which total revenue +16.1 pp · buybacks/dilution −2.6 pp

EBIT margin +1.0 pp
Tax rate +2.4 pp
Residual (interest, one-offs) −2.7 pp

Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).

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Cite: Fair Value Calculator (2026). "FISV Fair Value". https://www.fairvalue-calculator.com/stock/FISV

Peer Group

Financials · 3088 stocks

How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Software” was too small, so the broader sector is used.)

Quality Score 67 · Top 25%
Fair Value upside +50% · Top 25%
Return on assets 0% · Bottom 25%
Net margin (TTM) 0% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Revenue growth 0% · Below median
Debt / equity 1.01× · Higher than 75% of peers

Valuation Multiples vs Financials median · lower = cheaper

P/E (TTM) 8.8× · Cheaper than median
P/B 1.07× · Cheaper than median
P/FCF 6.4× · Pricier than median
EV/EBITDA 5.9× · Cheaper than median
PEG 0.51× · Cheaper than 75% of peers

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 100 · sector 26
FUTURE 0 · sector 40
PAST 0 · sector 39
HEALTH 49 · sector 86
DIVIDEND 0 · sector 52

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

Stock Price Fair Value vs Fair Value
Samsung Electronics Co 005930 255,500 KRW 163,160 KRW -36%
SK hynix Inc 000660 1,504,000 KRW 1,481,291 KRW -2%
MediaTek Inc 2454 4,015 TWD 1,559 TWD -61%
SK Square Co 402340 1,024,000 KRW 1,204,862 KRW +18%
Tata Consultancy Services Limited TCS ₹2,350 ₹3,473 +48%
LG Electronics Inc 066570 205,000 KRW 98,149 KRW -52%
HANMI Semiconductor Co 042700 217,500 KRW 47,976 KRW -78%
LG Innotek Co 011070 604,000 KRW 403,783 KRW -33%
Samsung SDS Co 018260 235,500 KRW 235,321 KRW -0%
LG Corp 003550 113,700 KRW 89,984 KRW -21%

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Frequently asked questions

Is FISV overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of $83.47 versus a price of $55.50, about +50% (undervalued).
What is the fair value of FISV?
Our model-based fair value for FISV is $83.47 (as of Aug 13, 2026), built from audited fundamentals. The current price is $55.50.
What is the quality score of FISV?
FISV has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the net profit margin of FISV?
The net profit margin of FISV is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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