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Upturn AI Summary - About
Fidelity National Information Services Inc(FIS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FIS
10/30/2026: FIS (1-star) is currently NOT-A-BUY. Pass it for now.
Fidelity National Information Services (FIS) is a global technology leader providing essential core banking, merchant payment, and capital market solutions. The company holds a leading position in financial infrastructure, benefiting from recurring revenue and high switching costs. Its primary growth opportunity lies in streamlining operations and expanding its digital banking offerings following a major strategic pivot. However, investors face risks from intense competition, potential integration hurdles, and legacy technology constraints. FIS generally suits investors seeking a combination of stable, dividend-paying financial infrastructure and potential upside from operational improvements, making it a focus for those monitoring management's ability to drive margin expansion and deleverage the balance sheet.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate as the company focuses on margin optimization rather than aggressive expansion. |
| Momentum investor | Mixed fit | Momentum is conditional on the successful execution of the new strategic roadmap and improved earnings performance. |
| Value investor | Strong fit | The stock valuation may appear attractive to value-oriented investors following the company's restructuring efforts. |
| Dividend investor | Strong fit while signal remains positive | FIS offers a reliable dividend yield that is supported by its stable recurring revenue base. |
| Low-risk investor | Mixed fit | While business models are stable, the company's leverage and integration risks introduce moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | The stock is sensitive to shifts in interest rates and broader macroeconomic conditions impacting financial services. |
| Valuation risk | Medium | Market expectations for margin expansion must be met to sustain current valuation multiples. |
| Competition risk (Cloud & FinTech) | High | Newer cloud-native competitors are challenging traditional legacy banking software providers. |
| Business quality | Strong | The company provides essential infrastructure for the global financial system, creating high barriers to entry. |
| Dividend income | Low | Dividends are well-covered, but income growth is secondary to capital appreciation. |
| Execution risk | Medium / high | Successful integration of business units and realization of cost synergies are critical to performance. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 10.14% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 19.23B USD | Price to earnings Ratio 5.73 | 1Y Target Price 47.04 |
Price to earnings Ratio 5.73 | 1Y Target Price 47.04 | ||
Volume (30-day avg) 6.1M shares | Beta 0.83 | 52 Weeks Range 32.10 - 66.25 | Updated Date 10/30/2026 |
52 Weeks Range 32.10 - 66.25 | Updated Date 10/30/2026 | ||
Dividends yield (FY) 4.61% | Basic EPS (TTM) 6.51 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking Solutions | Core processing, digital banking, and software services for banks. | Steady recurring revenue from banks using FIS software to run their daily operations. |
| Merchant Solutions | Payment acceptance and processing technology for merchants. | Fees earned every time a customer makes a payment at a merchant using FIS technology. |
| Capital Market Solutions | Trading, risk management, and software for investment firms. | Software licenses and maintenance fees from investment banks and fund managers. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When Before Market | Estimate 1.61 | Actual - |
Profitability
Profit Margin 27.65% | Operating Margin (TTM) 20.67% |
Management Effectiveness
Return on Assets (TTM) 4.28% | Return on Equity (TTM) 22.35% |
Valuation
Trailing PE 5.73 | Forward PE 5.39 | Enterprise Value 39.32B | Price to Sales(TTM) 1.58 |
Enterprise Value 39.32B | Price to Sales(TTM) 1.58 | ||
Enterprise Value to Revenue 3.22 | Enterprise Value to EBITDA 9.36 | Shares Outstanding 515.71M | Shares Floating 514.52M |
Shares Outstanding 515.71M | Shares Floating 514.52M | ||
Percent Insiders 0.13 | Percent Institutions 101.34 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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