FISV · NASDAQ · STOCK
Fiserv
$51.45
52W $47.04 – $238.59
57/100
$27.95B
10.0
0.82
Is FISV Bullish or Bearish?
Bullish.
Innellis AI committee rates Fiserv (FISV) Buy with a composite score of 57/100
, based on 6 analysts with 33% agreement.
Last updated August 09, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +17.83 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 — -2.17 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. Risk Analyst remains cautious — bollinger bandwidth of 15.1% signals elevated volatility. 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
- MACD histogram positive -- bullish momentum — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
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
- Bollinger bandwidth of 15.1% 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 August 09, 2026
Overall Committee Score
57/100
Agreement
33%
Analysts
6
Conviction
Contested
Sector Rank
Top 59%
of 172 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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Bollinger bandwidth of 15.1% signals elevated volatility
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
60
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
55
/ 100 · Moderate confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− 4 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score weakened from 61.6 to 57.2.
- Committee agreement fell modestly from 40% to 33%.
- New bearish signals: 2 appeared.
- New bullish signals: 2 appeared.
- Analyst(s) changed stance: Growth Analyst.
- New analyst(s) joined: Value Analyst.
Analyst-level changes:
- Growth Analyst: stance bullish->bearish; score 85->40 (-45); +2 bearish signal(s).
- Value Analyst joined: bullish at 80.
Comparing 2026-08-08 to 2026-08-09 (1 day apart).
Technical Analysis
RSI (14)
44.0
Neutral
MACD Histogram
0.142
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$47.05
Resistance
$64.49
Bollinger %B
0.50
Inside Bands
Price vs Moving Averages
EMA 9
$53.59
Below
EMA 21
$52.81
Below
EMA 50
$52.99
Below
EMA 200
$71.29
Below
Fundamental Analysis
Valuation
100
Growth
42
Profitability
62
Financial Health
47
Cash Flow
70
Valuation
P/E Ratio
10.0×
P/B Ratio
1.04×
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 10.0 (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 (9.16); Most recent quarter missed estimates by 5.6%; 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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