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Upturn AI SWOT - About
FI 
Fiserv, Inc. (FI)
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Upturn Advisory Summary
06/06/2025: FI (5-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
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 06/06/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 92.56B USD | Price to earnings Ratio 29.6 | 1Y Target Price 221.31 |
Price to earnings Ratio 29.6 | 1Y Target Price 221.31 | ||
Volume (30-day avg) 6196080 | Beta 0.91 | 52 Weeks Range 146.25 - 238.59 | Updated Date 06/10/2025 |
52 Weeks Range 146.25 - 238.59 | Updated Date 06/10/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.64 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 15.68% | Operating Margin (TTM) 26.8% |
Management Effectiveness
Return on Assets (TTM) 4.39% | Return on Equity (TTM) 11.68% |
Valuation
Trailing PE 29.6 | Forward PE 16.34 | Enterprise Value 120331182578 | Price to Sales(TTM) 4.47 |
Enterprise Value 120331182578 | Price to Sales(TTM) 4.47 | ||
Enterprise Value to Revenue 5.81 | Enterprise Value to EBITDA 13.32 | Shares Outstanding 554433984 | Shares Floating 550125873 |
Shares Outstanding 554433984 | Shares Floating 550125873 | ||
Percent Insiders 0.71 | Percent Institutions 94.09 |
Analyst Ratings
Rating 4.36 | Target Price 221.31 | Buy 11 | Strong Buy 23 |
Buy 11 | Strong Buy 23 | ||
Hold 3 | Sell - | Strong Sell 2 | |
Strong Sell 2 |
Upturn AI SWOT
Fiserv, Inc.
Company Overview
History and Background
Fiserv, Inc. was founded in 1984 through the merger of First Data Processing and Sunshine State Systems. It has grown through acquisitions and organic growth to become a leading global provider of financial services technology.
Core Business Areas
- Merchant Acceptance: Provides payment processing solutions, including point-of-sale (POS) systems, merchant acquiring services, and e-commerce solutions.
- Financial Technology: Offers core banking systems, digital banking solutions, payment solutions, and risk management tools for financial institutions.
- Payments and Network: Includes card processing, electronic funds transfer (EFT) services, and other payment network solutions.
Leadership and Structure
Frank Bisignano is the Chairman, President, and Chief Executive Officer. The company has a typical corporate structure with executive leadership and various business unit heads.
Top Products and Market Share
Key Offerings
- Clover POS: A cloud-based POS platform for small and medium-sized businesses. Competitors include Square, Toast, and Shopify POS. Market share is significant in the SMB POS market, but specific percentage data is dynamic and dependent on the source/date. Revenue attributable to Clover is a substantial portion of the Merchant Acceptance segment.
- Competitors: Square, Toast, Shopify POS
- Competitors: Jack Henry & Associates, Temenos
- DNA: A core banking platform for financial institutions. Competitors include Jack Henry & Associates, and Temenos. It has a significant share of the core banking market. Revenue figures for DNA specifically are not typically disaggregated.
- Accel: A debit payments network, offering point-of-sale and ATM services. Competitors include Visa (Interlink), Mastercard (Maestro), and NYCE. Market share data varies based on reporting sources. Revenue is incorporated into Payments segment reporting.
- Competitors: Visa (Interlink), Mastercard (Maestro), NYCE
Market Dynamics
Industry Overview
The financial technology industry is experiencing rapid growth, driven by increasing digitization, evolving customer expectations, and regulatory changes. Competition is intense with established players and emerging fintech companies vying for market share.
Positioning
Fiserv, Inc. is a well-established player with a broad range of solutions and a large customer base. Its competitive advantages include its scale, diverse product portfolio, and long-standing relationships with financial institutions.
Total Addressable Market (TAM)
The TAM for financial technology is estimated to be in the hundreds of billions of dollars globally. Fiserv is positioned well to capture a significant portion of this market due to its wide array of products and services, focusing on both established financial institutions and SMB customers.
Upturn SWOT Analysis
Strengths
- Large and diversified customer base
- Broad product portfolio
- Strong brand recognition
- Established relationships with financial institutions
- Significant scale and operational efficiency
Weaknesses
- Integration challenges from acquisitions
- Exposure to economic cycles
- Complexity of product offerings
- Slower to innovate than smaller fintech competitors
- Dependence on legacy systems
Opportunities
- Expanding into new markets and geographies
- Developing innovative solutions for emerging technologies
- Acquiring complementary businesses
- Increasing demand for digital payment solutions
- Growing demand for fraud prevention solutions
Threats
- Increased competition from fintech companies
- Rapid technological changes
- Cybersecurity threats
- Regulatory changes
- Economic downturns
Competitors and Market Share
Key Competitors
- GPN
- FIS
- JKHY
Competitive Landscape
Fiserv is a leader in payment and core banking solutions with a broad portfolio. Competitors have strengths in specific segments, but Fiservu2019s scale and customer relationships give it a competitive edge.
Major Acquisitions
First Data
- Year: 2019
- Acquisition Price (USD millions): 22000
- Strategic Rationale: Expanded Fiserv's payment processing capabilities and merchant network.
Growth Trajectory and Initiatives
Historical Growth: Fiserv, Inc. has grown consistently over the past decade through organic growth and acquisitions.
Future Projections: Analysts project continued growth for Fiserv, Inc., driven by increasing demand for digital payment solutions and core banking systems.
Recent Initiatives: Recent strategic initiatives include expanding its Clover POS platform, investing in digital banking solutions, and acquiring fintech companies.
Summary
Fiserv is a strong company in the financial technology space with a diverse product portfolio and a large customer base. Its scale and established relationships provide a competitive advantage. The company faces challenges from fintech competitors and the need to integrate acquisitions, but its growth trajectory remains positive. Investors need to monitor fintech and potential slowdowns of legacy business.
Peer Comparison
FIS
Fidelity National Information Services Inc
FIS
Fidelity National Information Services Inc
GPN
Global Payments Inc
GPN
Global Payments Inc
JKHY
Jack Henry & Associates Inc
JKHY
Jack Henry & Associates Inc
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on available estimates and may vary.
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 & 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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