ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Fiserv, Inc. ?
1
Poor Management Efficiency with a low ROCE of 7.70%
- The company has been able to generate a Return on Capital Employed (avg) of 7.70% signifying low profitability per unit of total capital (equity and debt)
2
Healthy long term growth as Net Sales has grown by an annual rate of 7.94% and Operating profit at 25.17%
- DEBT-EQUITY RATIO (HY) Highest at 113.85 %
- DEBTORS TURNOVER RATIO(HY) Lowest at 5.21 times
- INTEREST(Q) Highest at USD 376 MM
3
With ROE of 12.54%, it has a expensive valuation with a 4.37 Price to Book Value
- Over the past year, while the stock has generated a return of -68.92%, its profits have risen by 0% ; the PEG ratio of the company is 6.7
4
Below par performance in long term as well as near term
- Along with generating -68.92% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Fiserv, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Fiserv, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Fiserv, Inc.
-69.4%
-0.92
59.75%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.94%
EBIT Growth (5y)
25.17%
EBIT to Interest (avg)
4.33
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
14.62%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
95.79%
ROCE (avg)
7.70%
ROE (avg)
8.31%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
35
Industry P/E
Price to Book Value
4.37
EV to EBIT
22.91
EV to EBITDA
15.21
EV to Capital Employed
2.68
EV to Sales
6.72
PEG Ratio
6.69
Dividend Yield
NA
ROCE (Latest)
11.70%
ROE (Latest)
12.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 6,806 MM
ROCE(HY)
Highest at 12.66%
RAW MATERIAL COST(Y)
Fallen by -1.08% (YoY
NET SALES(Q)
Highest at USD 5,516 MM
OPERATING PROFIT(Q)
Highest at USD 2,541 MM
PRE-TAX PROFIT(Q)
Highest at USD 1,292 MM
NET PROFIT(Q)
Highest at USD 1,026 MM
EPS(Q)
Highest at USD 1.86
-6What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 113.85 %
DEBTORS TURNOVER RATIO(HY)
Lowest at 5.21 times
INTEREST(Q)
Highest at USD 376 MM
Here's what is working for Fiserv, Inc.
Operating Cash Flow
Highest at USD 6,806 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 5,516 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 2,541 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 1,292 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 1,026 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.86
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Raw Material Cost
Fallen by -1.08% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Fiserv, Inc.
Interest
At USD 376 MM has Grown at 11.9%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debt-Equity Ratio
Highest at 113.85 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
Interest
Highest at USD 376 MM
in the last five periods and Increased by 11.9% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Debtors Turnover Ratio
Lowest at 5.21 times
in the last five Semi-Annual periodsMOJO Watch
Company's pace of selling Debtors has slowed
Debtors Turnover Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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