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FISERV INC

FICIK 0000798354Financial Technology

Compare:FIS GPN JKHY PYPL XYZ MA

Compare FI

Operating performance

5 years of operating performance (2021 - 2025)

Revenue-like income, profitability, and capital strength are shown together so you can see scale, margin conversion, and balance-sheet capacity on one screen.

Income statement Cash flow

Five-year trend

Revenue
Operating Income
Tangible Equity

Revenue

+3.6% YoY

$21.2B

FY 2025+3.6%

Open

Operating Income

-1.0% YoY

$5.8B

FY 2025-1.0%

Open

Compound growth

Annualised change across the filed history.

Revenue CAGR 5Y

7.4%

Operating Income CAGR 3Y

15.9%

Directional read

Filing-backed read on scale, profitability, and capital strength.

Revenue-like income compounded up 7.4% annually over the last five fiscal years.
Net margin expanded 1.1 pts versus the prior fiscal year.
Tangible equity contracted 13.4% versus the prior fiscal year.

Operating performance

5 years of operating performance (2021 - 2025)

Revenue-like income, profitability, and capital strength are shown together so you can see scale, margin conversion, and balance-sheet capacity on one screen.

Income statement Cash flow

Five-year trend

Revenue
Operating Income
Tangible Equity

Revenue

+3.6% YoY

$21.2B

FY 2025+3.6%

Open

Operating Income

-1.0% YoY

$5.8B

FY 2025-1.0%

Open

Compound growth

Annualised change across the filed history.

Revenue CAGR 5Y

7.4%

Operating Income CAGR 3Y

15.9%

Directional read

Filing-backed read on scale, profitability, and capital strength.

Revenue-like income compounded up 7.4% annually over the last five fiscal years.
Net margin expanded 1.1 pts versus the prior fiscal year.
Tangible equity contracted 13.4% versus the prior fiscal year.

Valuation snapshot

Balance-sheet-first valuation context

Standard EV and DCF frameworks are intentionally de-emphasized here. For banks and insurers, book value, tangible book, ROE, and operating efficiency are more informative than generic cash-flow multiples.

Current price

—

Market price unavailable

Market cap

—

FY 2025 · filed Feb 19, 2026

Return on Equity

13.5%

Net income divided by equity.

Market context

Current price and fair-value anchors

Market price unavailable

Current vs Fair Value

Current price stacked against the same public-equity anchors shown in the confidence-gated hero.

How to read this

Only the peer fair value and the filing-backed DCF feed this section.
When both qualify, the confidence-gated target appears alongside them as the published overview read.
Open the math breakdown on any anchor for the underlying bridge.

Capital structure

Cash, debt, and carrying capacity

The overview keeps the capital structure bridge close to the cash-generation picture so fair value can be read in equity terms.

FI enterprise value

Balance sheet

FY 2025 · filed Feb 19, 2026

Cash & Securities

Cash, cash equivalents, and marketable securities.

$798M

Total Debt

Current and long-term debt.

$29B

Net Debt

Cash and securities less total debt.

$28.2B

Equity

Reported stockholders' equity.

Peer context

Saved comparables and what they imply

The overview keeps peer evidence concise here and sends detailed bridging to the relative-valuation tab.

Open relative valuation

Peer fair value

—

Per-share fair value from the weighted peer set.

Average P/E

—

Price to earnings across covered peers.

Average P/S

—

Price to sales across covered peers.

Intrinsic context

DCF range and implied growth

The overview surfaces the baseline intrinsic read and the reverse-DCF question, then sends the deeper workbench to the intrinsic tab.

Open intrinsic valuation

Standard DCF modeling is disabled for financial institutions.

Company profile

Filing and research context

Identifiers, classification, and listing detail behind every figure on this page.

Ticker: FI
CIK: 0000798354
Industry: Financial Technology
SIC description: Services-Business Services, NEC
Exchange: NYSE
Fiscal year end: Dec 31

Valuation snapshot

Balance-sheet-first valuation context

Current price

—

Market price unavailable

Market cap

—

FY 2025 · filed Feb 19, 2026

Return on Equity

13.5%

Net income divided by equity.

Market context

Current price and fair-value anchors

Market price unavailable

Current vs Fair Value

Current price stacked against the same public-equity anchors shown in the confidence-gated hero.

How to read this

Only the peer fair value and the filing-backed DCF feed this section.
When both qualify, the confidence-gated target appears alongside them as the published overview read.
Open the math breakdown on any anchor for the underlying bridge.

Capital structure

Cash, debt, and carrying capacity

The overview keeps the capital structure bridge close to the cash-generation picture so fair value can be read in equity terms.

FI enterprise value

Balance sheet

FY 2025 · filed Feb 19, 2026

Cash & Securities

Cash, cash equivalents, and marketable securities.

$798M

Total Debt

Current and long-term debt.

$29B

Net Debt

Cash and securities less total debt.

$28.2B

Equity

Reported stockholders' equity.

Peer context

Saved comparables and what they imply

The overview keeps peer evidence concise here and sends detailed bridging to the relative-valuation tab.

Open relative valuation

Peer fair value

—

Per-share fair value from the weighted peer set.

Average P/E

—

Price to earnings across covered peers.

Average P/S

—

Price to sales across covered peers.

Intrinsic context

DCF range and implied growth

The overview surfaces the baseline intrinsic read and the reverse-DCF question, then sends the deeper workbench to the intrinsic tab.

Open intrinsic valuation

Standard DCF modeling is disabled for financial institutions.

Company profile

Filing and research context

Identifiers, classification, and listing detail behind every figure on this page.

Ticker: FI
CIK: 0000798354
Industry: Financial Technology
SIC description: Services-Business Services, NEC
Exchange: NYSE
Fiscal year end: Dec 31

Liquidity and Capital

Bank pages emphasize liquidity reserves and capital buffers instead of capex-derived free cash flow.

Operating Cash Flow

Reported annual operating cash flow from the filing-backed cash flow statement.

$6.1B

Cash & Securities / Assets

1.0%

Equity / Assets

32.2%

Tangible Equity / Assets

-27.5%

Operating cash flow covered 174% of net income in the latest annual filing.
Cash and securities represented 1.0% of total assets in the latest annual filing.
Tangible equity covered -27.5% of assets, a more decision-useful bank capital read than generic free-cash-flow math.

Quality and risk

Capital quality and operating efficiency

Bank pages swap generic distress models for book-value, capital-quality, and efficiency signals.

Capital quality

Equity-capital and profitability signals for regulated balance-sheet businesses.

Return on Equity

Net income divided by equity.

13.5%

Bank valuation metrics

Equity-base metrics for FISERV INC (FI) — deposits make a standard EV bridge meaningless for banks.

Guide

Price / book

Market cap divided by reported book value.

—

Price / tangible book

Book value after goodwill and intangibles.

—

Return on equity

Net income divided by book value.

13.5%

Book value

Total assets less total liabilities.

$26B

5 years of operating performance (2021 - 2025)

Five-year trend

Compound growth

Directional read

5 years of operating performance (2021 - 2025)

Five-year trend

Compound growth

Directional read

Balance-sheet-first valuation context

Current price and fair-value anchors

Current vs Fair Value

Cash, debt, and carrying capacity

Balance sheet

Saved comparables and what they imply

DCF range and implied growth

Filing and research context

Balance-sheet-first valuation context

Current price and fair-value anchors

Current vs Fair Value

Cash, debt, and carrying capacity

Balance sheet

Saved comparables and what they imply

DCF range and implied growth

Filing and research context

Liquidity and Capital

Capital quality and operating efficiency

Capital quality

Comparable companies

Bank valuation metrics