
Fiserv, Inc. (FIV.DE)
ValueMarkers Composite Index
85% below intrinsic value ($324)
Fiserv, Inc. (FIV.DE) — VMCI valuation read
Fiserv, Inc. (FIV.DE) carries a VMCI composite of 62/100, 12 points above the Technology sector median of 50. Among mid-cap names, that gap places FIV.DE in the top third on the five-pillar weighting (Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%).
The FIV.DE insider tape has been silent for the past 30 days on Form 4. Where executives neither buy nor sell, the bull and bear cases lean harder on filings cadence and the next earnings line.
**Investor frame.** Value reads FIV.DE trades at 18.0x earnings, 0% above the Technology median of 18.0x, which compresses or extends through the 11.0x EV/EBITDA versus a Technology 12.0x. Quality: ROIC of 10.0% sits 0.0pp above the Technology median (10.0%). Risk: net debt to EBITDA of 0.7x leaves covenant headroom, the line to track on Fiserv, Inc.'s next 10-Q.
FIV.DE rose 3.2% over the trailing 7 days, with a -9.4% read on a 30-day basis.
Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. The company was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.
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