Fiserv, Inc. (FISV)

FairStock Score: 52/100 — MIXED

Key Financials

AI Analysis

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

As a Graham-Buffett investor, I see Fiserv as a stalwart that generates real cash but is not firing on all cylinders. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $5.3B, net income $627.0M, and diluted EPS $1.17. That compares with $5.5B revenue, $1.0B net income, and $1.86 diluted EPS in fiscal Q2 2025, so the latest quarter shows a meaningful profit decline. The longer record is better: FY2023 to FY2025 revenue rose from $19.1B to $21.2B, net income from $3.1B to $3.5B, and diluted EPS from $4.98 to $6.34. Trailing free cash flow is $3.9B, a 15.3% yield on the $25.7B market cap at the 2026-10-26 close—strong cash generation. The FairStock P/E is 9.10 and EV/EBITDA 6.69, so the price is not demanding. But the FairStock Graham Number is $36.68 versus $48.33, a negative margin of safety of 35.93%, and the Altman Z-score of 0.91 warns that balance-sheet risk deserves attention. Piotroski 8/9 and the computed STALWART label—5-year profit growth 29.4% and revenue 7.4%—suggest prior quality. Still, provided revenue growth of -4.06% and profit growth of -38.89%, plus no dividend, mean I want evidence that the recent profit drop is temporary before calling it a bargain. The high cash generation hints at a durable competitive position, but the latest decline tests that moat. The FairStock Score is 54/100, so the screen is mixed. Quality is plausible; price is modest; caution is warranted.

In plain English: Fiserv is a technology company with a $25.7 billion market value. The business still produces a lot of cash, but the latest quarter was weaker than a year earlier and growth has slowed. The shares look inexpensive compared with profits and cash flow, though they are above a simple value check, so the price looks cheap-to-fair rather than clearly bargain-priced.

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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 Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · 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