FISV

Fiserv, Inc.

NASDAQ

$56.56

+$0.75 (1.33%)today

Conviction

7/ 10

Fair Value$74.88

Upside+32.40%

Signal22.68

Market Cap$30.0B

52W Range$52.91–$221.50

Next EarningsApr 23

Conviction History

Conviction Changes

Mar 18, 2026, 1:08 PM6→7conviction-rescore

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Price History

FAIR VALUE ANALYSISMonte Carlo · 5,000 runs · 99% valid

Fair Value$129.68

Current Price$53.90

Upside / Down+140.6%

P(Undervalued)100.0%

P(20%+ Up)100.0%

P(15%+ Down)0.0%

Fair Value Distribution — percentile bands

100.0% of simulations place fair value above current price

WHAT IS PRICED IN

Revenue-Based Reverse DCF

-8.2%/yr

±1.9% · revenue growth to justify current price

FCF-Based Reverse DCF

-1.0%/yr

±2.5% · FCF growth to justify current price

THE GAP

Market pricing margin compression or rising capex

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Bull Case

Fiserv payments/fintech moat; Clover POS growing; banking core processor sticky revenue.

Bear Case

Fintech competition in SMB POS; margin compression; execution risk on large bank wins.

Updated Apr 7

Research Feed

analysisMar 24

Conviction: unchanged

FISV Q4 2025 Update: Leadership Transition, Clover 23% Growth, Debt Improving

FISV Q4 miss but debt now 3x EBITDA (key overhang clearing). Clover 23% 2025, guided 10-15% 2026. Stock at 56 = 7x adj EPS, 130% discount to DCF FV 129. Maintain conviction 7. Watch Q1 April 23 for Cl...

sec_10kMar 2

Conviction: unchanged

FISV FY2025: Recurring revenue fortress faces transformation execution risk

FISV: Stable recurring revenue fortress with debt/execution headwinds. 80% non-discretionary processing/services, strong cash generation, but transformation risk and elevated leverage require caution....