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FISV · Nasdaq · United States · Services-Business Services, Nec
In shortFISERV INC is profitable, generates cash and carries moderate debt, with revenue growing (+3.6% last year).
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it.
| Operating marginShare of each sale left after running the business, before interest and tax. | 27.5% | 100/100 |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 16.4% | 86/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 13.2% | 66/100 |
| Return on invested capitalProfit earned on all the capital used (equity and debt). Above 10% usually means a real competitive edge. | 8.6% | 57/100 |
Weight in the score: 25%
| Current ratioShort-term assets divided by short-term debts. Below 1 can mean tight cash. | 1.03× | 19/100 |
|---|---|---|
| Debt / equityDebt compared with the shareholders' stake. Above 2 is heavily indebted. | 1.12× | 49/100 |
| Net debt / EBITDAYears of operating profit needed to repay net debt. Below 2 is comfortable. | 4.35× | 0/100 |
| Interest coverageHow many times operating profit covers interest. Below 2 is risky. | 3.80× | 22/100 |
| Altman Z''Bankruptcy-risk model. Above 2.6 safe, below 1.1 distress. | 2.15 | 27/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 20.3% | 100/100 |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.24× | 100/100 |
| Years with positive free cash flow (last 5) | 5 of 5 | 100/100 |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 2.3% | 100/100 |
| Operating margin volatility | 6.0% | 54/100 |
Weight in the score: 20%
| Revenue growth, 3-year average | 6.1% | 51/100 |
|---|---|---|
| EPS growth, 3-year average | 17.5% | 100/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 16,226 | 17,737 | 19,093 | 20,456 | 21,193 |
| Selling, general & admin | 5,810 | 6,059 | 6,576 | 6,564 | 6,883 |
| Operating income | 2,288 | 3,740 | 5,014 | 5,879 | 5,818 |
| Interest expense | 696 | 746 | 1,004 | 1,238 | 1,531 |
| Pre-tax income | 1,666 | 2,913 | 3,898 | 4,506 | 4,264 |
| Income tax | 363 | 551 | 754 | 641 | 811 |
| Net income | 1,334 | 2,530 | 3,068 | 3,131 | 3,480 |
| Diluted EPS | $1.99 | $3.91 | $4.98 | $5.38 | $6.34 |
| Diluted shares (millions) | 672 | 648 | 616 | 582 | 549 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
2.15 Grey zone
Estimates bankruptcy risk from working capital, retained earnings, operating profit and equity. Above 2.6 is considered safe, below 1.1 signals distress.
5/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 7, 2026