FISV · NASDAQ · STOCK
Fiserv (FISV) Stock Analysis
$52.95
52W $47.04 – $238.59
58/100
$28.04B
10.1
0.80
Is FISV Bullish or Bearish?
Bullish.
Innellis AI committee rates Fiserv (FISV) Buy with a composite score of 58/100
, based on 5 analysts with 40% agreement.
Last updated August 25, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +16.66 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -3.34 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 10.0 is inexpensive for the broad market. Growth Analyst remains cautious — revenue declining -1.2% yoy -- this is not a growth story right now. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.0 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement — Technical
Bear Case
- Revenue declining -1.2% YoY -- this is not a growth story right now — Growth
- EPS declining -12.9% YoY despite any revenue growth — Growth
- Price structure making lower highs and lower lows — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price structure (HH_HL) contradicts the downtrend -- mixed signals — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of August 25, 2026
Overall Committee Score
58/100
Agreement
40%
Analysts
5
Conviction
Contested
Sector Rank
Top 46%
of 287 Technology peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.0 is inexpensive for the broad market
Growth Analyst
bearish
40
/ 100 · High confidence
Growth story is weak, decelerating, or inconsistent
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− Revenue declining -1.2% YoY -- this is not a growth story right now
Technical Analyst
neutral
47
/ 100 · High confidence
Mixed or range-bound price action
+ Weekly trend (downtrend) confirms the daily trend -- multi-timeframe agreement
− Price structure making lower highs and lower lows
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 3063.01)
Investment Thesis Evolution
Committee score moved marginally from 58.3 to 58.3.
Comparing 2026-08-24 to 2026-08-25 (1 day apart).
Technical Analysis
RSI (14)
49.4
Neutral
MACD Histogram
-0.235
Bearish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Hh Hl
Support
$47.05
Resistance
$64.49
Bollinger %B
0.36
Inside Bands
Price vs Moving Averages
EMA 9
$52.53
Above
EMA 21
$52.64
Above
EMA 50
$52.86
Above
EMA 200
$69.52
Below
Fundamental Analysis
Valuation
100
Growth
42
Profitability
62
Financial Health
47
Cash Flow
70
Valuation
P/E Ratio
10.1×
P/B Ratio
1.05×
PEG Ratio
-0.77
Dividend Yield
0.00%
52W High
$238.59
52W Low
$47.04
Quality & Growth
ROE
1349.3%
ROA
434.3%
Gross Margin
4721.6%
Operating Margin
2137.5%
Revenue Growth YoY
—
Debt / Equity
1.04
AI Fundamental Assessment
P/E ratio of 10.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.0x; PEG ratio of -0.8 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 13.5%; Return on assets of 4.3%; Net margin of 13.4%; Gross margin of 47.2%; Current ratio of 1.04 (tight short-term liquidity); Debt-to-equity of 1.04; Free cash flow per share is positive (7.33); Most recent quarter missed estimates by 5.5%; EPS growth accelerating (-10.1% -> +2.8% QoQ); Average YoY EPS growth of -25.5%; Analyst estimates flat over recent quarters
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