Fiserv, Inc.

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Market Cap$34.31B

Close$

Compare to Similar Companies

	P/E Ratio	Dividends	Return on Equity	Price-to-Sales	Debt-to-Equity
Fiserv, Inc.	9.5	-	12%	1.6	1.1

Earnings Call Q1 2026

May 5, 2026 - AI Summary

Q1 performance was broadly “in line” but still reflects transition-year headwinds - Total company: Adjusted revenue $4.68B (-2.4% YoY); Adjusted EPS $1.79; Adjusted operating margin 29.7%. - Organic revenue: -3.6% YoY, largely from lapping higher nonrecurring revenue from 2025. - Free cash flow: $259M (lowest quarter seasonally). - Good / positive: Operational progress described as real (client metrics improving), even though it’s not yet fully visible in financials.

Merchant Solutions: Clover growth solid; Argentina rate/inflation headwind; Clover VAS growing - Merchant: Organic revenue -1% (adjusted revenue flat after anniversary of CCV transaction). - Clover: Revenue +6% YoY; payments processing revenue +10%; Clover volume +9% reported and +12% ex-gateway conversion. - Clover VAS: 27% of Clover revenue, +18% YoY, driven by software + Clover Capital. - Negative: Argentina lower inflation/interest rates reduced Merchant revenue in Q1 (Mike noted it was mostly offset below the line by lower interest expense). - Good / positive surprise: CommerceHub transaction growth ~+200% in Q1 driven by broader releases & go-lives (petro customers, built rewards, cross-border remittance), plus Western Alliance Bank announced as largest agent bank partnership to date.

Financial Solutions: underlying volume growth, but revenue/margins pressured by nonrecurring and ongoing bank attrition - Financial Solutions: Organic revenue -6% YoY, adjusted -5% (management said underlying volume trends were as expected). - Digital Payments: revenue -5% (accounts/volume growth roughly as expected); Zelle transactions +18%, BillPay down high single digits. - Issuing: revenue -6% organic / -5% adjusted; comparables hurt by nonrecurring revenue last year (especially output solutions). - Banking: revenue -6% organic / -4% adjusted; core counts -2% YoY while accounts/positions +6% (Finxact). - Negative: Core bank/revenue attrition remains above long-term target; margins down sharply: Financial Solutions adjusted operating income $877M (-24% YoY) and margin 38.1% vs 47.5% prior year. - Good / improvement signals: Management highlighted client service improvements: time to resolve inquiries -27% YoY, and high-impact incidents down ~60% YoY, with early stabilization signs in KPIs (though not yet fully reflected in reported results).

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$171.76

Current Fair Value

169.2% upside

Undervalued by 169.2% based on the discounted cash flow analysis.

Share Statistics

Market cap	$34.31 Billion
Enterprise Value	$62.67 Billion
Dividend Yield	$- (-)
Earnings per Share	$6.34
Beta	0.79
Outstanding Shares	535,400,000

Return

Return on Equity	12.20%
Return on Assets	3.97%
Return on Invested Capital	9.19%

Valuation & Multiples

P/E Ratio	9.46
PEG	-28.76
Price to Sales	1.64
Price to Book Ratio	1.33
Enterprise Value to Revenue	2.97
Enterprise Value to EBIT	11.93
Enterprise Value to Net Income	19
Total Debt to Enterprise	0.47
Debt to Equity	1.11

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date

February 4, 2026

EPS Estimate

$2.01

Average shareholder expectation

Revenue Estimate

Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio	0.6838▼ 48.66%
Total Calls	13,270,550▲ 276.33%
Total Puts	9,074,184▲ 119.86%

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %	86.93%▼ 4.11%
Total Invested	$32.12B▼ 48.21%
Investors Holding	1,448▼ 350.00%

ESG Score

No data

About Franks International N.V.

CEO: Michael Kearney

Relevant Senate Committees

Joint Committee on Taxation

Assists tax-writing committees with the development and analysis of tax legislation. Its reports directly influence corporate tax structures and the overall tax burden on the oil and gas industry, impacting its financial viability.

Finance

Controls taxation and trade policy. Tax legislation (e.g., corporate rates, energy tax credits) directly impacts the profitability and investment decisions of oil and gas companies, while trade policy affects global energy markets, all influencing demand for support services.

Agriculture, Nutrition, and Forestry

Oversees the CFTC, which regulates the massive derivatives/futures market. This directly impacts the pricing, hedging, and financial stability of oil and gas commodities, crucial for the industry and its support services.

Banking, Housing, and Urban Affairs

Regulates the entire financial system, including lending practices and capital requirements for banks. This directly impacts the ability of oil and gas companies (Fiserv's clients) to secure financing for projects, which in turn affects demand for support services.

Energy and Natural Resources

Oversees national energy policy, public lands, and the Department of Energy. Directly impacts the valuation and operational scope of oil and gas companies through leasing, drilling regulations, and resource management, which in turn dictates the demand for support activities.

Environment and Public Works

Regulates environmental protection (EPA) directly impacting operational standards, permitting, and compliance costs for the oil and gas industry and its support activities. Key for environmental impact assessments and remediation requirements.