Fiserv, Inc. (FISV) Fair Value & PE Analysis
Information Technology Services · NASDAQ
Current Price
$53.78
PE Ratio (TTM)
9.0x
Intrinsic Value
$94.77
+43.3% margin of safety
What Is Fiserv, Inc.'s Fair Value?
As of 2026-06-12, applying a 9.0x earnings multiple to Fiserv, Inc.'s (FISV) earnings per share of $5.98 yields a fair value estimate of $94.77 per share, versus a market price of $53.78.
Fair value from earnings multiples is sensitive to the multiple you choose. Across the sensitivity grid the estimate spans $68.8 to $124.87. This is a relative estimate anchored to earnings, not a statement of fact. For a cash flow based view, see the intrinsic value estimate on the DCF page.
How our PE model works · Recalculate in PE mode · FISV intrinsic value (DCF view)
Is Fiserv, Inc. (FISV) Overvalued?
At $53.78, FISV trades below its PE-based fair value estimate by a wide margin. By this model the stock looks cheap relative to its earnings power, but check whether earnings are sustainable before reading too much into it.
COMPETITIVE MOAT
↑Embedded Payment Network
Fiserv's extensive network of integrated payment solutions creates significant switching costs for its merchant and financial institution clients. This deep integration makes it difficult and expensive to change providers.
↑Data Analytics & Insights
The company leverages vast amounts of transaction data to offer valuable insights and personalized services to businesses. This data-driven advantage enhances customer retention and product development.
↑AI-Powered Modernization
Fiserv's focus on AI for bank modernization offers a compelling path for financial institutions to upgrade legacy systems. This positions them as a key partner in digital transformation.
INVESTMENT RISKS
↓Intense Competition
The payments and financial technology sector is highly competitive, with numerous players vying for market share. New entrants and evolving technologies pose a constant threat.
↓Regulatory Scrutiny
As a financial services provider, Fiserv is subject to stringent and evolving regulatory requirements. Changes in compliance can impact operations and profitability.
↓Technological Disruption
Rapid advancements in technology, such as new payment methods or decentralized finance, could disrupt Fiserv's existing business models if not adapted to quickly.
Base case
FISV base case PE valuation
Intrinsic Value
$94.77
Margin of safety
+43.3%
Expected annual return
+12.0%
Base case assumptions: 13.2% annual earnings growth, 9x target PE, 10% discount rate, 5 year projection. Data as of 2026-06-12.
This base case uses default assumptions and is not financial advice. The fair value changes significantly when the target PE or earnings growth rate changes. Open the calculator to set your own assumptions and see the full sensitivity range.
Customize the FISV PE valuation
Adjust the target PE, earnings growth, and discount rate to see how the fair value and margin of safety for Fiserv, Inc. respond.
Open PE Calculator for FISVCompany Overview
Fiserv, Inc. is a global provider of technology solutions for payments and financial services. Its operations are structured into three primary segments: Acceptance, Fintech, and Payments. The Acceptance segment enables businesses to process transactions at the point of sale and through digital channels, offering mobile payment capabilities and robust security and fraud prevention tools. Key offerings include Carat, its omnichannel commerce platform; Clover, a cloud-native platform for point-of-sale and business management; and Clover Connect, designed for independent software vendors. This segment reaches clients via diverse distribution channels, including direct sales, agent networks, ISVs, and financial institution partnerships. The Fintech segment supports financial institutions in managing core functions like customer deposit and loan accounts, general ledgers, and central information repositories. Further services extend to digital banking, financial and risk management, specialized consulting, and item processing solutions. The Payments segment facilitates a wide array of card-based transactions, including processing for debit, credit, and prepaid cards. It also delivers security and fraud safeguards, card manufacturing, print services, and various network functionalities. Beyond cards, this segment offers digital payment solutions like bill payment, account-to-account transfers, person-to-person payments, and electronic billing, complemented by security features. Fiserv caters to a broad clientele, including businesses, banks, credit unions, other financial institutions, merchants, and corporate enterprises. Established in 1984, Fiserv, Inc. maintains its corporate headquarters in Brookfield, Wisconsin.
Financial Metrics — FISV PE Stock Valuation Data
PE Ratio (TTM)
9.0x
PEG Ratio
2.13
Earnings Yield
11.11%
ROE (TTM)
12.5%
Revenue/Share (TTM)
$39.39
Debt/Equity
1.12x
Frequently Asked Questions
What is the PE ratio of FISV?
The trailing twelve-month PE ratio of FISV reflects how much investors pay per dollar of Fiserv, Inc.'s earnings. This metric is most useful when compared to Information Technology Services peers and the company's own historical range.
Is FISV overvalued based on PE ratio?
FISV's PE of 9.0x combined with a PEG ratio of 2.13 provides a growth-adjusted perspective. A PEG above 2.0 suggests FISV may be richly valued even accounting for growth. Keep in mind that PE-based valuation works best for profitable, mature companies — for high-growth or cyclical Information Technology Services, a DCF analysis may be more appropriate.
How do I value FISV stock using PE ratio?
To value Fiserv, Inc. using PE: (1) Compare the current PE (9.0x) against the Information Technology Services median to assess relative pricing, (2) check the PEG ratio (2.13) to adjust for growth expectations, (3) review the 5-year PE range to identify where the stock sits historically, and (4) estimate fair value by multiplying a target PE by forward EPS estimates. This relative approach complements DCF's absolute valuation.
What is the PEG ratio of FISV?
FISV's PEG ratio is 2.13, calculated by dividing the PE ratio (9.0x) by the expected earnings growth rate. A PEG above 2.0 often signals the stock is priced aggressively relative to its growth trajectory. Note that PEG accuracy depends on the reliability of growth estimates.
Should I use PE ratio or DCF for FISV stock valuation?
PE ratio gives a quick relative read — how FISV is priced versus Information Technology Services peers. DCF provides an absolute value based on projected free cash flows. For the most reliable valuation, use PE as a quick comparability screen and DCF for a deeper fundamental analysis. Each method has blind spots: PE ignores capital structure and cash flow quality, while DCF is sensitive to growth and discount rate assumptions.
Learn More
- See FISV DCF Valuation → — Intrinsic value via Discounted Cash Flow analysis
- PE Methodology — Step-by-step guide to PE ratio stock valuation
- DCF Methodology — Guide to discounted cash flow analysis
- PE Ratio — Understanding the price-to-earnings ratio
- Intrinsic Value — How to evaluate stock fair value
Related PE Valuations
All Technology valuationsP/E and DCF value FISV with different methods and assumptions, so the two conclusions can differ. Compare the DCF intrinsic value.
Price as of 2026-06-12. Financial data from Financial Modeling Prep (trailing twelve months) · Valuation methodology by Charlie Wang.
This is an estimate, not investment advice.