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Upturn AI SWOT - About
FI 
Fiserv, Inc. (FI)
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Upturn Advisory Summary
10/31/2025: FI (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
39 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $107.23
1 Year Target Price $107.23
| 23 | Strong Buy |
| 11 | Buy |
| 3 | Hold |
| 0 | Sell |
| 2 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 54.87% | Avg. Invested days 58 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 35.87B USD | Price to earnings Ratio 10.31 | 1Y Target Price 107.23 |
Price to earnings Ratio 10.31 | 1Y Target Price 107.23 | ||
Volume (30-day avg) 39 | Beta 0.95 | 52 Weeks Range 64.52 - 238.59 | Updated Date 11/2/2025 |
52 Weeks Range 64.52 - 238.59 | Updated Date 11/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 6.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-10-21 | When Before Market | Estimate 2.66 | Actual 2.04 |
Profitability
Profit Margin 17.05% | Operating Margin (TTM) 25.39% |
Management Effectiveness
Return on Assets (TTM) 4.77% | Return on Equity (TTM) 13.54% |
Valuation
Trailing PE 10.31 | Forward PE 10.6 | Enterprise Value 97536278316 | Price to Sales(TTM) 1.7 |
Enterprise Value 97536278316 | Price to Sales(TTM) 1.7 | ||
Enterprise Value to Revenue 4.62 | Enterprise Value to EBITDA 10.5 | Shares Outstanding 537851887 | Shares Floating 533688913 |
Shares Outstanding 537851887 | Shares Floating 533688913 | ||
Percent Insiders 0.73 | Percent Institutions 92.14 |
Upturn AI SWOT
Fiserv, Inc.
Company Overview
History and Background
Fiserv, Inc. was founded in 1984. It evolved from First Data Processing (FDP) and Sunshine State Systems, Inc., growing through acquisitions and internal development to become a global provider of financial technology solutions.
Core Business Areas
- Payments and Network: Provides electronic payment processing services, card issuer processing, and other network solutions.
- Financial Technology: Offers core account processing, digital banking, and related solutions to banks and credit unions.
- Merchant Acceptance: Provides merchant acquiring, point-of-sale (POS) solutions, and other related services to merchants.
Leadership and Structure
Frank Bisignano is the Chairman, President, and Chief Executive Officer. The company has a standard corporate structure with various executive leadership positions overseeing different business segments and functions.
Top Products and Market Share
Key Offerings
- Product Name 1: Accel/Debit Pay: One of the largest PIN debit networks in the U.S. Competitors include NYCE, STAR, and PULSE. Market share figures are not publicly disaggregated, but it is a major player.
- Product Name 2: DNA: A core account processing platform for banks and credit unions. Competitors include Jack Henry & Associates (JKHY) and Fidelity National Information Services (FIS).
- Product Name 3: Clover: A point-of-sale (POS) system for merchants. Competitors include Block (SQ), Shopify (SHOP), and PayPal (PYPL).
Market Dynamics
Industry Overview
The financial technology industry is undergoing rapid transformation driven by digitization, increasing regulatory scrutiny, and evolving consumer expectations.
Positioning
Fiserv, Inc. is a leading player in the fintech industry, benefiting from its scale, diverse product portfolio, and established relationships with financial institutions. Its competitive advantages include its comprehensive suite of services and its strong market position.
Total Addressable Market (TAM)
The total addressable market for financial technology is estimated to be in the hundreds of billions of dollars. Fiserv, Inc. is positioned to capture a significant share of this market by offering a wide range of solutions to financial institutions and merchants.
Upturn SWOT Analysis
Strengths
- Large and diversified customer base
- Comprehensive suite of financial technology solutions
- Strong market position
- Established relationships with financial institutions
- Recurring revenue streams
Weaknesses
- Dependence on legacy systems
- Integration challenges from acquisitions
- Exposure to regulatory changes
- Competition from smaller, more agile fintech companies
Opportunities
- Expansion into new markets
- Development of innovative financial technology solutions
- Acquisition of complementary businesses
- Partnerships with fintech startups
- Increased adoption of digital payments
Threats
- Intense competition
- Cybersecurity risks
- Economic downturn
- Disruptive technologies
- Regulatory uncertainty
Competitors and Market Share
Key Competitors
- FIS
- Global Payments
- Block
Competitive Landscape
Fiserv, Inc. faces intense competition from established players and emerging fintech companies. Fiserv, Inc.'s scale and comprehensive product portfolio give it a competitive edge, but it must continue to innovate to stay ahead.
Major Acquisitions
First Data Corporation
- Year: 2019
- Acquisition Price (USD millions): 22000
- Strategic Rationale: Significantly expanded Fiserv's payments and merchant acceptance capabilities, creating a global leader in financial technology.
Growth Trajectory and Initiatives
Historical Growth: Fiserv, Inc. has experienced significant growth over the past decade, both organically and through acquisitions.
Future Projections: Analysts project continued growth for Fiserv, Inc., driven by the increasing demand for financial technology solutions.
Recent Initiatives: Recent initiatives include investments in digital banking, payment processing, and merchant solutions.
Summary
Fiserv is a strong player in the fintech industry due to its large customer base and comprehensive service offerings. The First Data acquisition has broadened their payments sector which increases revenue. They face threats from new and existing competitors and they must continue to innovate in order to stay ahead in the payment sector.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
- Market research reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Fiserv, Inc.
Exchange NYSE | Headquaters Milwaukee, WI, United States | ||
IPO Launch date 2013-08-09 | CEO, President & Director Mr. Michael Patrick Lyons | ||
Sector Technology | Industry Information Technology Services | Full time employees 38000 | Website https://www.fiserv.com |
Full time employees 38000 | Website https://www.fiserv.com | ||
Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The company provides merchant acquiring and digital commerce services, mobile payment services, security and fraud protection solutions, stored-value solutions, software-as-a-service, and pay-by-bank solutions, as well as Clover, a point-of-sale and business management platform through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, independent sales organizations, financial institutions, and other strategic partners. It also offers debit card processing services, debit network services, security and fraud protection products, bill payment; person-to-person payments, account-to-account transfers, credit card processing services, prepaid card processing services, card production services, print services, government payment processing, student loan processing, and customer loan and deposit account processing; digital banking; financial and risk management; and professional services and consulting, check processing, automated clearing house, and real-time payments. It serves large enterprise, small business, banks, credit union, large financial institution, fintech, public sectors, and software providers. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.
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