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FISV · NASDAQ · STOCK

Fiserv

Technology Updated August 09, 2026
$51.45
52W $47.04 – $238.59
57/100
$27.95B
10.0
0.82
AI Committee Verdict
Buy
57/100
Conviction: Contested · 33% agreement · 6 analysts
+23.1%
-10.2%
2.27:1
Contested

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
Open Full Terminal →

Investment Thesis Evolution

Committee score weakened from 61.6 to 57.2.

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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📈 Rating History 💰 Earnings 📰 Recent Events 🔄 What Changed 📖 Thesis Evolution 🔍 Similar Stocks
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