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Upturn AI SWOT - About
FI 
Fiserv, Inc. (FI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
07/31/2025: FI (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
39 Analysts rated it
Highly popular stock, broad analyst coverage, trusted insights, strong investor interest.
1 Year Target Price $184.03
1 Year Target Price $184.03
| 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 07/31/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 75.53B USD | Price to earnings Ratio 23.27 | 1Y Target Price 184.03 |
Price to earnings Ratio 23.27 | 1Y Target Price 184.03 | ||
Volume (30-day avg) 39 | Beta 0.92 | 52 Weeks Range 128.22 - 238.59 | Updated Date 08/1/2025 |
52 Weeks Range 128.22 - 238.59 | Updated Date 08/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 5.97 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.255 | Actual 2.47 |
Profitability
Profit Margin 16% | Operating Margin (TTM) 30.8% |
Management Effectiveness
Return on Assets (TTM) 4.53% | Return on Equity (TTM) 12.46% |
Valuation
Trailing PE 23.27 | Forward PE 13.89 | Enterprise Value 104700836429 | Price to Sales(TTM) 3.58 |
Enterprise Value 104700836429 | Price to Sales(TTM) 3.58 | ||
Enterprise Value to Revenue 5.01 | Enterprise Value to EBITDA 11.39 | Shares Outstanding 543593024 | Shares Floating 539277050 |
Shares Outstanding 543593024 | Shares Floating 539277050 | ||
Percent Insiders 0.72 | Percent Institutions 96.53 |
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
- Payments and Network: Provides payment processing, card services, electronic funds transfer (EFT) and network solutions to financial institutions and businesses.
- Financial Technology: Offers core banking systems, digital banking solutions, and other technology solutions to financial institutions.
- Merchant Acceptance: Provides merchant payment acceptance and processing solutions, including point-of-sale (POS) systems.
Leadership and Structure
Frank Bisignano is the Chairman, President, and Chief Executive Officer. The company has a typical corporate structure with a board of directors and executive leadership team managing various business units.
Top Products and Market Share
Key Offerings
- First Data Platform: A suite of payment processing solutions for businesses of all sizes. Market share information is difficult to precisely define, but Fiserv is a leader in payment processing. Competitors include Global Payments, Block(SQ), and Adyen. Estimated revenue unavailable.
- Accel Payments Network: One of the largest PIN debit payment networks in the US. Market share is estimated to be around 15-20%. Competitors include STAR (owned by First Data) and NYCE. Estimated revenue unavailable.
- Signature: A core banking platform for banks and credit unions. Estimated revenue unavailable. Competitors include Jack Henry & Associates (JKHY), and Fidelity National Information Services (FIS)
Market Dynamics
Industry Overview
The financial technology industry is experiencing rapid growth, driven by digital transformation, increased consumer demand for online and mobile banking, and rising regulatory complexity.
Positioning
Fiserv, Inc. is a well-established player with a broad portfolio of solutions and a large customer base. Its scale and integrated offerings provide a competitive advantage.
Total Addressable Market (TAM)
The TAM for financial technology is estimated to be in the hundreds of billions of dollars. Fiserv, Inc. is well-positioned to capture a significant portion of this market.
Upturn SWOT Analysis
Strengths
- Large customer base
- Broad product portfolio
- Strong brand recognition
- Extensive distribution network
- High switching costs for customers
Weaknesses
- Integration challenges from acquisitions
- Complexity of operations
- Slow to adapt to new technologies
- Dependence on legacy systems
Opportunities
- Growth in digital payments
- Expansion into new markets
- Partnerships with fintech companies
- Increasing demand for cybersecurity solutions
- Adoption of cloud-based solutions
Threats
- Increased competition from fintech startups
- Cybersecurity risks
- Regulatory changes
- Economic downturn
- Disruptive technologies
Competitors and Market Share
Key Competitors
- GPN
- FIS
- JKHY
- ADYEY
Competitive Landscape
Fiserv, Inc. has a competitive advantage due to its scale and broad product portfolio. However, it faces increasing competition from fintech startups and other established players.
Major Acquisitions
First Data
- Year: 2019
- Acquisition Price (USD millions): 22000
- Strategic Rationale: To create a leading global provider of payments and financial technology solutions.
Growth Trajectory and Initiatives
Historical Growth: Fiserv, Inc. has grown significantly through acquisitions and organic growth.
Future Projections: Analysts project continued revenue growth in the coming years, driven by demand for digital payment and banking solutions.
Recent Initiatives: Recent strategic initiatives include expanding its merchant acquiring business and investing in new technologies.
Summary
Fiserv is a leading player in the Fintech and payments industry, leveraging a large customer base and broad product portfolio. While revenue has increased, earnings took a recent dip requiring attention, and increasing competition pose threats. Their scale creates a significant barrier for competitors. Focusing on technology advancements and market adaptation are key to future success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Presentations
- Earnings Call Transcripts
- Third-party market research reports
- SEC.gov
Disclaimers:
This analysis is for informational purposes only and does not constitute investment advice. Financial data and market share estimates are subject to change. Consult a qualified financial advisor before making any investment decisions.
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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