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Fiserv FISV

Fiserv scores weak on business quality (3.5 of 10). Here is why, in plain words, and what our sealed record shows.

Last price$45.63Oct 9, 2026
Business qualityWeak
Next earningsNov 3, 2026, before the open
Insiders, 90 daysBuying

Why it matters

  1. What Fiserv does

    Fiserv provides payment processing and financial technology services, charging banks, merchants, and corporate clients fees for transaction routing and software platforms.

  2. What it does best

    Fiserv anchors massive financial institutions to its core processing platforms, generating $20.9B in revenue. Its gross margin sits at 56.2%, trailing peers like CPAY at 78.9%, reflecting its heavy reliance on traditional hardware and legacy infrastructure maintenance.

  3. The main risk

    Net debt stands at $26.2B against a meager interest coverage ratio of 2.9x, leaving the balance sheet vulnerable to rising borrowing costs and squeezing earnings before interest expenses are fully cleared.

Quality, check by check

Scored against its own industry, from company filings.

ProfitabilityWeak

Operating margin sits at 21.4% with free cash flow margin at 47%. profitability sits in the middle of the pack, showing modest leverage as scale increases.

MoatWeak

Fiserv locks in financial institutions through deep software integration, but its operating margin sector percentile of 49 shows middle-of-the-pack power that rivals easily challenge.

GrowthSlow

Revenue grew 3.6%, lagging behind sector peers. This top-line pace sits in the bottom quartile of its sector at the 23rd percentile, showing a fading historical growth engine.

Financial healthWeak

Debt-to-equity of 1.1x and interest coverage of 2.9x leave little margin for error. Free cash flow softened to $3.9B from $5.1B prior, making the balance sheet softer.

Insiders

Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.

1 insider bought $520K on the open market.

Our sealed record on FISV

Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.

The first sealed verdicts appear here on Oct 11, 2026.

Questions

Is FISV a good business?

Fiserv scores weak on the Cluenex quality check (3.5 of 10), measured against its own industry. Profitability is weak, moat weak, growth slow and financial health weak.

Are insiders buying FISV?

In the last 90 days of SEC Form 4 filings: 1 insider bought $520K on the open market.

When does FISV report earnings?

Nov 3, 2026, before the open.

For members

See FISV today

  • Today's verdict on FISV, and why
  • Fair value with cautious, base and optimistic cases
  • The exact price that would change the verdict
  • Which stocks each signal names, the night it fires
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Cite this page: Cluenex, “Fiserv (FISV)”, https://cluenex.com/stocks/fisv/, data as of Oct 10, 2026.