Fiserv, Inc. (FISV) Stock

Fiserv, Inc. (FISV) is a Technology stock trading at $50.80 (as of 2026-07-15), with a market capitalization of $27.09B and a trailing P/E of 8.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Fiserv, Inc. and its subsidiaries provide payment and financial services technology. It operates through Acceptance, Fintech, and Payments, offering merchant acquiring and digital commerce services, point-of-sale and business management platforms, security and fraud protection, card transaction processing, and financial products and services for institutions, including digital banking, deposit and lending accounts, and related processing and consulting.

Understand Fiserv, Inc.: how it makes money

Fiserv provides payments and financial services technology, including merchant acquiring and digital commerce, cloud point-of-sale (Clover) and omnichannel commerce (Carat), plus payments and processing services, and it makes money by delivering these technology services to merchants and financial institutions.

Fiserv’s profit engine comes from selling payment and financial-services technology that sits in the flow of merchant transactions and financial operations, spanning merchant acquiring and digital commerce (Acceptance), Clover and related business management software, and financial solutions (Fintech), with Payments tied to processing and network services.

Revenue by segment (latest quarter)
Acceptance$2.5B
Fintech$2.4B
Payments$0.1B

Business quality (Mixed): Clear segment definitions (Acceptance, Fintech, Payments) and the report highlights multiple operating revenue measures, with operating margin provided for the latest quarter.

Valuation: Trades at 8× trailing earnings · $26B market cap.

Bull case

  • Diversified offerings across Acceptance, Fintech, and Payments, including merchant acquiring and digital commerce services, cloud POS and business management (Clover), and omnichannel commerce (Carat): This breadth can support revenue resilience when any single product area faces slower demand.
  • Customer-facing platform depth in the merchant workflow (Clover, Clover Connect, security and fraud protection, Carat): Because these tools are embedded in selling and payments operations, ongoing product adoption may help sustain demand for Fiserv technology services.

Bear case

  • Demand is linked to payment activity and merchant and financial institution spending on payments technology: If transaction volumes or customer IT budgets weaken, revenue tied to these services could slow.
  • Technology providers face security and fraud-related execution risk: Even though Fiserv offers security and fraud protection products, any failures or rising threat levels can increase costs and reputational risk.
  • Competition in payments technology and cloud POS solutions is intense: Product and platform differentiation, pricing pressure, and customer migration decisions could impact results.
Valuation — source: SEC EDGAR (first-party)
Price$50.80
Market Cap$27.09B
P/E Ratio8.5
EV / EBITDA4.9
Price / Book1.03
Price / Sales1.28
FCF Yield15.2%
DCF Value (model)$166.30
DCF Upside vs Price227.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$21.19B
Net Margin16.4%
Revenue Growth (YoY)-2.0%
EPS Growth (YoY)-29.6%
FCF Growth (YoY)-55.0%
Financial Health — source: SEC EDGAR
Altman Z-Score1.29 (distress)
Valuation vs Sector & Industry
Stock P/E8.5
Sector P/E (Technology)34.5
Industry P/E (Business Services)30.8
vs Sector-75.5%
vs Industry-72.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderVANGUARD GROUP INC ($3.51B)
Institutional Holders Tracked10
Congressional Trades (recent)10
Company
SectorTechnology
IndustryBusiness Services
CEOMichael Patrick Lyons
Employees38,000
CountryUS
IPO Date1986-09-25

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FISV earnings history · FISV institutional & insider holders · FISV KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-15.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.