FISV · NASDAQ · STOCK
Fiserv (FISV) Stock Analysis
$45.62
52W $43.88 – $238.59
56/100
$24.33B
8.7
0.80
Is FISV Bullish or Bearish?
Mixed.
Innellis AI committee rates Fiserv (FISV) Watch with a composite score of 56/100
, based on 6 analysts with 33% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.01 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.99 from today. The band boundary is 45.0, 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 8.7 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 8.7 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
- MACD histogram positive -- bullish momentum — Technical
- 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
- Bollinger bandwidth of 15.6% signals elevated volatility — Risk
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 October 10, 2026
Overall Committee Score
56/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 68%
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 8.7 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
56
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− Price structure making lower highs and lower lows
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 15.6% signals elevated volatility
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
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 56.3 to 56.0.
- Committee agreement fell notably from 50% to 33%.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
- Analyst(s) changed stance: News Analyst.
Analyst-level changes:
- News Analyst: stance bullish->neutral.
- Risk Analyst: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
43.3
Neutral
MACD Histogram
0.143
Bullish Momentum
Trend Direction
Downtrend
Weekly: Downtrend
Market Structure
Mixed
Bollinger %B
0.36
Inside Bands
Price vs Moving Averages
EMA 9
$45.73
Below
EMA 21
$46.88
Below
EMA 50
$49.05
Below
EMA 200
$63.46
Below
Fundamental Analysis
Valuation
100
Growth
42
Profitability
62
Financial Health
47
Cash Flow
70
Valuation
P/E Ratio
8.7×
P/B Ratio
0.91×
PEG Ratio
-0.67
Dividend Yield
0.00%
52W High
$238.59
52W Low
$43.88
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 8.7 (inexpensive relative to a 15-40x range); Price-to-book of 0.9x; PEG ratio of -0.7 (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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