Fiserv (FISV)
Financials · financial technology (fintech) and payment processing · NASDAQ
A global leader in payments and financial technology, powering the systems behind digital banking, merchant acquiring, and point-of-sale commerce.
What Fiserv does
Fiserv provides payment and financial services technology to financial institutions, businesses, and consumers. The company's solutions include merchant acquiring, digital banking, payment processing, and core account processing systems.
Themes: digital payments, merchant services, banking technology, fintech, core banking transformation
Fundamentals
- Price$48.25 as of 2026-10-20 close
- Market cap$25.7B as of 2026-07-31 (share count; price 2026-10-20)
- P/E9.24 as of 2026-10-20
- Net margin+16.4% FY2025, SEC XBRL
- ROE+13.5% FY2025, SEC XBRL
- ROICn/a No figure: its filing reports debt only together with finance leases, and ROIC's debt excludes leases.
- Debt / equity1.04 borrowings incl. finance leases / equity — 10-Q/10-K balance sheet 2026-06-30
- Revenue growth (YoY)+3.6% FY2025, SEC XBRL
- Revenue CAGR (3y)+6.1% SEC XBRL
- Beta0.66 as of 2026-09-03
- Last reported earnings2026-08-06 SEC EDGAR Form 8-K (Item 2.02)
How FISV compares in its sector
- price-to-earnings ratiobottom 25% 487 covered Financials peers, as of 2026-10-20
- net profit marginmiddle range 343 covered Financials peers, as of 2026-09-03
- operating marginmiddle range 121 covered Financials peers, as of 2026-09-03
- return on equitymiddle range 558 covered Financials peers, as of 2026-09-03
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)top 10% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
FISV is not currently in any published Top 10 list. Its scores are below.
Top 10 score
54.4 #466 of 1,265 scored · #111 of 173 in Financials
Valuation 89th (price to book 1, price to earnings 9.2) and profitability 72nd (operating margin 27.5%, return on equity 13.5%); weakest is trend (26th, a "death cross" — its 50-day average is below its 200-day).
Scores as of 20 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
Quarterly results
| Quarter | Revenue | Operating income | Net income | Diluted EPS | Operating cash flow | Capex |
|---|---|---|---|---|---|---|
| Q2 FY2026 2026-06-30 | — | $1.0B | $627M | $1.17 | $1.5B† | $498M† |
| Q1 FY2026 2026-03-31 | — | $918M | $571M | $1.07 | $599M | $458M |
| Q4 FY2025 2025-12-31 | $5.3B† | $1.3B† | $811M† | $1.51† | $1.9B† | $442M† |
| Q3 FY2025 2025-09-30 | $5.3B | $1.4B | $792M | $1.46 | $1.8B† | $507M† |
| Q2 FY2025 2025-06-30 | $5.5B | $1.7B | $1.0B | $1.86 | $1.7B† | $479M† |
| Q1 FY2025 2025-03-31 | $5.1B | $1.4B | $851M | $1.51 | $648M | $335M |
| Q4 FY2024 2024-12-31 | $5.3B† | $1.7B† | $938M† | $1.64† | $2.2B† | $399M† |
| Q3 FY2024 2024-09-30 | $5.2B | $1.6B | $564M | $0.98 | $2.2B† | $402M† |
† Not filed as a discrete quarter: derived from the company's own year-to-date figures (for example the fourth quarter as the fiscal year minus the first nine months). A derived per-share figure is approximate, because the share count moves within the year.
Balance sheet at 2026-06-30
- Cash and equivalents$627M
- Total debt$27.9B borrowings incl. finance leases (not tagged separately)
- Net debt$27.3B total debt − cash − short-term investments
From the company's own SEC 10-Q and 10-K filings (XBRL), re-read every week. Figures in US dollars as filed; informational only — not financial advice.
How Fiserv looks technically
Fiserv (FISV) is trading 14.0% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed below its 200-day average about 200 trading days ago — a "death cross", a bearish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 10 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-09-17, pushing above its recent trading range. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 9% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 14.0% below its 200-day average, the long-term trend line — a long-term downtrend | -13.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $49.25 | $49.25 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $56.07 | $56.07 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing low 18 calendar days ago — the swings before that are what the structure reading is measured on | 18 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in the fourth leg, a pullback against that downward direction; the labelling fails if price closes above 50.89. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a completed three-part correction. | possible downward five-wave sequence, in wave 4 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed below its 200-day average about 200 trading days ago — a "death cross", a bearish long-term signal | 200 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 17, below the 25 that marks a real trend) | 17.0 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30) | 55.5 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($43.87 to $48.37) — its "stochastic" reading is 97 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 97.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 10 trading days ago (its momentum flipped positive) | 10 sessions |
Range
7
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-09-17, pushing above its recent trading range | 1 session |
|---|---|---|
| Since a 55-day breakout | it made a new 55-day low about 13 trading days ago | 13 sessions |
| All-time high | its highest closing price on record is $210.43 (set on 2024-12-26) | $210.43 |
| Given back of the 52-week move | not available for this company yet | n/a |
| Nearest price level | not available for this company yet | n/a |
| All-time low | its lowest closing price on record is $2.40 (set on 1996-09-03) | $2.40 |
| Above the all-time low | it is 1912.0% above its all-time low | +1,912% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 9% of the past ~6 months), which often precedes a bigger move | 9th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.26 between its high and its low — about 2.6% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.26 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $44.28 and $47.99 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $44.28 – $46.13 – $47.99 |
| Typical daily range (% of price) | its price moves about 2.6% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.6% |
| Stretch from the 200-day average | it is trading 6.2 daily ranges below its 200-day average price (14.0% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.2 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.63× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 1.0% since the prior reading | -1.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating has softened toward "sell" since the prior reading | 0.09 toward sell |
Candlestick patterns
3
| Since a doji | 2 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 2 sessions ago |
|---|---|---|
| Since a bullish engulfing | 1 session ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 1 session ago |
| Since a bearish engulfing | 4 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 4 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-10-20 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | +0.4% |
|---|---|---|
| Gap filled | a 7.8% gap down opened on 2026-08-06 has been "filled" 52 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 52 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 4 sessions in a row, a +4.73% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 4 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 1.3 percentage points (the stock gained 2.2% while the market gained 1.0%) | +1.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 10.3 percentage points (the stock lost 6.6% while the market gained 3.6%) | -10.3% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 33.3 percentage points (the stock lost 24.8% while the market gained 8.5%) | -33.3% |
| vs market, 12 months | not available for this company yet | n/a |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a fresh 20-day high, MACD momentum is positive — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: a "death cross" — its 50-day average is below its 200-day, trading below its 200-day average, lagging the market over 6 months, near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-14 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is thin, spanning 1.9% of the share price, which is taken to mean a barrier that gives way easily. | -6.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 13% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $55.60 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | -13.2% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-08-06 (its 8-K), so the typical buyer over that stretch is under water. That average is $49.66 — a volume-weighted average of daily closes over 53 sessions, not a true tick-by-tick VWAP. | -2.8% |
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 4 of five, a pullback against that direction.
This labelling fails — stops being a possible reading at all — if it closes above $50.89.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $46.26 and $48.93 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a completed three-part correction, which fails on a close below $43.87.
This reading has stood for 8 trading days, since 2026-10-09.
Read from daily closes as of 2026-10-20.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Trading below the 50-day moving average · Broke out to a new 20-day high · in a Bollinger Band volatility squeeze · trendless / choppy (low ADX) · Stretched far below its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-10-20. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.83 mean, 1=Strong Buy…5=Strong Sell) — 26 analysts
- Mean price target$58.69 range $40.00 – $106.00; median $56.50
Analyst estimates, as of 2026-10-16. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FISV
- Consensus EPS estimate$1.71 next reporting period, as of 2026-10-16
- Estimate change, 30 days-$0.01038 (-0.6%) from $1.72, on 2026-09-11, 35-day window
- Readings revised upward22% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Dependence on the performance and security of payment processing and core banking systems.","Exposure to complex regulatory environments in the financial and payments industries.","Risk of cybersecurity incidents and data breaches."]
What changed in the latest 10-Q
AI-assisted comparison of FISV's 10-Q filed 2026-08-07 against the prior one filed 2026-05-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-07) states 'We are a global leader uniting commerce and finance. At the intersection of banking and commerce, we power sustained growth and innovation at scale for financial institutions and businesses worldwide across payments, account processing, digital banking, merchant acquiring, network services, e-commerce, and Clover ® , the all-in-one business management platform.'
- Newer filing (2026-08-07) describes the discussion of Overview as covering 'our company and the products and services that we provide, acquisitions, dispositions, other transactions and the trends affecting our industry'.
- Newer filing (2026-08-07) states results of operations are compared 'for the three and six months ended June 30, 2026'.
- Newer filing (2026-08-07) states liquidity and capital resources discussion is of outstanding debt 'at June 30, 2026'.
- Newer filing (2026-08-07) includes 'the Financial segment' background description beginning 'The businesses in our Financial segment provide products and services to financial institution, corporate and public sector clients across the world, enabling the processing of customer' (section text is truncated at the end but present in newer).
- Removed:
- Older filing (2026-05-06) describes 'We are a leading global provider of payments and financial services technology solutions. We serve clients around the globe, including merchants, banks, credit unions, other financial institutions, corporate and public sector clients. We help clients achieve best-in-class results through a commitment to innovation and excellence in areas including account processing and digital banking solutions; card issuer processing and network services; payments; e-commerce; merchant acquiring and processing; and the Clover ® cloud-based point-of-sale (“POS”) and business management platform.'
- Older filing (2026-05-06) describes the discussion of Overview as covering 'our company and the products and services that we provide, acquisitions, and the trends affecting our industry'.
- Older filing (2026-05-06) states results of operations are compared 'for the three months ended March 31, 2026'.
- Older filing (2026-05-06) states liquidity and capital resources discussion is of outstanding debt 'at March 31, 2026'.
- Reworded:
- The Company Background description was revised: older filing (2026-05-06) describes the company as 'a leading global provider of payments and financial services technology solutions,' while newer filing (2026-08-07) describes it as 'a global leader uniting commerce and finance. At the intersection of banking and commerce, we power sustained growth and innovation at scale for financial institutions and businesses worldwide.'
- The Overview bullet description was revised: older filing (2026-05-06) says it covers 'acquisitions, and the trends affecting our industry'; newer filing (2026-08-07) says it covers 'acquisitions, dispositions, other transactions and the trends affecting our industry'.
- The Results of operations bullet was revised to reflect different comparison periods: older filing (2026-05-06) says 'three months ended March 31, 2026'; newer filing (2026-08-07) says 'three and six months ended June 30, 2026'.
- The Liquidity and capital resources bullet was revised to reflect a different debt date: older filing (2026-05-06) says 'March 31, 2026'; newer filing (2026-08-07) says 'June 30, 2026'.
- In the Risk Factors cross-reference sentence, the older filing (2026-05-06) uses 'other factors identified in'; the newer filing (2026-08-07) uses 'other factors included in'.
- Notes:
- The provided newer MD&A text appears truncated at the end of the section; the comparison only covers the text actually supplied.
- The provided older MD&A text also appears truncated at 'The businesses in ou' at the end; the comparison only covers the text actually supplied.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
1 open-market purchase and 0 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-16. The 5 days since 2026-10-16 have not been checked yet.
- Last 90 days · read to 2026-10-161 buy ($519500) · 0 sells — 1 buying insider
- Last 180 days · read to 2026-10-167 buys ($2M) · 0 sells — 7 buying insiders
Cluster buying: 6 different insiders reported open-market purchases (SEC code P) of FISV within a 30-day window between 2026-06-16 and 2026-06-17. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-07. Based on Form 4 filings read through 2026-10-16; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FISV's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
U.S. House trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 9 matched disclosures for FISV from U.S. House Clerk Periodic Transaction Report filings.
U.S. House trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding FISV as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 81,984,815
- Reported value $4,021,355,199
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about FISV's institutional holders → See what each manager we track holds →
Short interest (FINRA)
FISV had 30,835,501 shares of reported short interest as of the 2026-09-30 FINRA settlement date (delayed, bi-monthly; not real-time).
FISV had 5.80% of its shares outstanding sold short as of the 2026-09-30 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.21 days to cover at the same settlement.
- Reported short interest (shares) 30,835,501
- Short interest (% of shares outstanding) 5.80%
- Prior settlement (shares) 30,030,691
- Reported change 2.68%
- Days to cover (reported) 4.21
Reported to FINRA as of the 2026-09-30 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Global Payments (GPN)
- Fidelity National Information Services (FIS)
- Jack Henry & Associates (JKHY)
- Toast (TOST)
- Block
- PayPal (PYPL)
- Adyen (ADYEY)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does Fiserv (FISV) do?
Fiserv provides payment and financial services technology to financial institutions, businesses, and consumers. The company's solutions include merchant acquiring, digital banking, payment processing, and core account processing systems.
What sector is Fiserv (FISV) in?
Fiserv (FISV) is classified in the Financials sector. Its industry is financial technology (fintech) and payment processing. It trades on NASDAQ.
Who are Fiserv's (FISV) competitors?
Notable peers of Fiserv (FISV) include Global Payments, Fidelity National Information Services, Jack Henry & Associates, Toast and Block. This peer set is informational only — not financial advice.
Has there been recent U.S. House stock trading in FISV?
Yes — we hold 9 matched STOCK Act disclosures for FISV from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is Fiserv (FISV) overbought or oversold right now?
Fiserv (FISV) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 56, in the neutral middle (as of 2026-10-20). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FISV come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-20.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.