Fidelity National Information Services, Inc. (FIS)

FairStock Score: 81/100 — HIGH CONVICTION

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am wary of confusing a low price with a bargain, so I start with the business and then ask what the price implies. FIS provides core processing, payments, fraud and capital-markets software to financial institutions; that work can be sticky because replacing it is disruptive. FairStock classifies it as TURNAROUND — it returned to profit after a loss within three years. The record is uneven: FY2023, ended 2023-12-31, showed a $6.7B net loss; FY2024 net income was $1.4B; FY2025 net income was $382.0M on $10.7B revenue versus $10.1B in FY2024. In fiscal Q1 2026, ended 2026-03-31, net income was $2.4B and diluted EPS $4.58, but fiscal Q2 2026, ended 2026-06-30, net income fell to $231.0M and diluted EPS to $0.45. So I need proof that Q1 was not a one-off. At the 2026-10-26 close of $36.87, FairStock shows P/E 5.66, P/B 1.19, FCF yield 10.1%, EV/EBITDA 9.49, and a Graham Number of $67.47, leaving a 44.38% margin of safety. Piotroski is 7/9, and the 4.94% dividend plus 0.80 beta are attractive. But Altman Z is -0.25, D/E is 1.33, ROCE is only 4.28%, and ROE 22.35% needs scrutiny. The stock looks statistically cheap, but the quality and durability of earnings are not yet proven.

In plain English: FIS provides banking, payment and capital-markets software and services to financial institutions around the world. The business is profitable again after a large loss, generates strong cash flow, and the stock looks cheap relative to its earnings and accounting value. But the latest quarter was much less profitable than the first quarter, and debt is meaningful.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer