Stock·NYSE·Technology
Fiserv Inc. (FI)
- Market cap
- $24.78B
- P/E
- 9.86
- Dividend yield
- 0.63%
- Street target
- $82.00median of 35 analysts
- 52-week range
- $43.87 $128.78
The short version
Where FI stands today, in four lines, and what CleaRank Financial AI makes of it.
FI at a glance
Fiserv Inc. (FI): Hold, 46/100 on CleaRank's AI score.
- Trend Down: the price is below both its 50- and 200-day moving averages ($49.70 and $55.87).
- Earnings FI beat estimates in 4 of its last 5 quarters, yet fell the next day after 1 of those beats.
- Insiders Insiders sold $1.3M and bought $652K over the last 18 months.
- Valuation P/E of 9.9 against 35.1 for the Technology sector: a discount to peers (-72%).
Figures as of October 16, 2026.
CleaRank Financial AI
Fiserv Inc. (FI) carries a CleaRank rating of Hold and a model score of 46/100.
Valuation does the most to lift that score. The P/E of 9.86 is 71.9% below the sector median P/E, a discount to peers, and the P/S of 1.17 is 84.6% below the sector median P/S. The trend holds the score back the most: the price is 17.54% below its 200-day average and 7.30% below its 50-day average, and the 50-day average is 11.05% below the 200-day. Those averages sit at $49.70 for the 50-day and $55.87 for the 200-day. Across the past year, the price declined 62.88%.
Only on CleaRank
Figures we compute ourselves from FI's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
0/4Price above its 50-day average ›
The price of $46.07 is 7.3% below the 50-day simple moving average of $49.70.Price above its 200-day average ›
The price is 17.5% below the 200-day simple moving average of $55.87.50-day average above the 200-day ›
The 50-day average ($49.70) is 11.0% below the 200-day average ($55.87), the arrangement of a falling longer-term trend.In the upper half of its 52-week range ›
The price sits at 3% of its 52-week range, between $43.87 and $128.78.
FI share price
Pick a period: each tab shows how far FI has moved over it, to the last close.
Today's trading
Where FI sits inside today's range and its 52-week range.
Fundamentals
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 9.86 is 71.9% below the Technology median of 35.1.P/S below the sector median ›
The price-to-sales ratio of 1.17 is 84.6% below the sector median of 7.6.Profitable over the last 12 months ›
Net income over the last 12 months was $3.6B on revenue of $21.2B, a net margin of 17.0%.Beat estimates in most recent reports ›
FI beat the EPS estimate in 4 of its last 5 reports.Pays a dividend ›
The trailing dividend yield is 0.63%, or $0.3 a share a year.
Key statistics
The headline figures for FI.
As of October 16, 2026, FI trades at $46.07, with a market value of $24.78B, a P/E ratio of 9.86 and a dividend yield of 0.63%.
What the numbers say
CleaRank Financial AI's reading of FI's valuation, growth and risks.
Fiserv Inc. (FI) trades at a trailing P/E of 9.86, against a Technology sector median of 35.1. That leaves it 71.9% below the sector median P/E, a level the Peer Benchmarking card classes as a discount to peers. Measured on sales, the P/S of 1.17 sits 84.6% below the sector median of 7.6. For scale, the company's market capitalisation is $24.8B.
Revenue grew 0.90% in the latest year, which is 23.3 percentage points slower than the sector median of 24.2%. On profitability, the net margin comes in at 17.05% and the operating margin at 25.39%. Return on equity is 13.54%, above the sector median of 13.4%. Rounding out the picture are debt-to-equity of 1.21 and a trailing dividend yield of 0.63%, or $0.3 a share per year.
Results in the October 29, 2025 report fell short of forecasts: EPS came in at $2.04 versus an estimate of $2.65, a miss of 23.02%. Investors responded in kind, and the share price dropped 7.66% in the next session.
Across the most recent reports in our data, FI beat estimates in 4 of the last 5 reports. Even so, the stock fell in the first session after 1 of those 4 beats, so a beat has not reliably moved the share price higher. Looking ahead, analysts expect EPS of $8.60 for this fiscal year and $8.36 for next, which means earnings are set to decline by 2.3% in the current year.
FI's price typically moves by 2.08% on a given day, based on the 30-day standard deviation of its daily returns. While the price remains beneath both moving averages, the downtrend itself stays a risk. The stock is 64.23% below its 52-week high of $128.78. Insiders sold $1.3M of stock over the last 18 months and bought $652K on the open market. Because planned sales and sales made to cover tax on vesting shares are common, selling carries less weight than buying.
FI against the Technology sector
How FI compares with the median Technology stock CleaRank tracks.
Price to earnings vs sector: FI trades at a notable discount to sector peers (-72%), which may indicate undervaluation or specific company headwinds.
Return vs XLK: Since May 6, 2025, FI has lost 75.1% against a gain of 78.3% for XLK.
Performance against XLK
FI and the Technology sector fund over the same days.
Revenue and earnings
How much FI sells, and how much of it becomes profit.
Revenue growth: Revenue grew 7.1% in FY2024 to $20.5B, from $19.1B a year earlier.
Profit margin: The net margin was 15.5% in FY2024, down from 16.4% the year before.
Profitable: FI earned $3.2B in FY2024.
Earnings reality check
Did FI beat what analysts expected, and how did the stock react?
Earnings record: FI beat the analyst estimate in 4 of the last 5 quarters.
Market reaction: The stock fell in the first session after 1 of those 4 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Oct 29, 2025after close | $2.65 | $2.04 | -23.02% | -7.66% | -9.35% |
| Jul 23, 2025after close | $2.43 | $2.47 | +1.65% | -2.04% | -1.50% |
| Apr 24, 2025after close | $2.08 | $2.14 | +2.88% | +0.36% | +3.46% |
| Feb 5, 2025after close | $2.48 | $2.51 | +1.21% | +0.75% | -0.78% |
| Oct 22, 2024after close | $2.26 | $2.30 | +1.77% | +1.35% | +0.62% |
Reports after October 29, 2025 are not yet in our data.
As of October 16, 2026, FI has beaten the analyst EPS estimate in 4 of its last 5 reported quarters and fell in the first trading session after 1 of those beats; its most recent report in our data, on October 29, 2025, came in 23.02% below the estimate and the stock moved -7.66% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 43.4, in neutral territory.RSI above 50 ›
An RSI of 43.4 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of FI
The score, the reasoning behind it, and what could move the price next.
Fiserv Inc. (FI) is in a downtrend: both moving averages lie above the price. At $46.07, the stock is 7.30% below its 50-day average of $49.70 and 17.54% below its 200-day average of $55.87. The price sits at 3% of its 52-week range, 5.01% above the 52-week low of $43.87. The 50-day average is 11.05% below the 200-day average, which supports the weak trend rather than offsetting it.
The price is down over each of these periods: 9.65% over the past month, 8.52% over the past three months and 62.88% over the past year. On momentum, the 14-day RSI reads 43.4, in the neutral zone, with the MACD line negative.
No rewards flagged.
Earnings miss ›
The October 29, 2025 report missed the EPS estimate by 23.02%, and the share price fell 7.66% in the first session after it.
Source: Earnings report, October 29, 2025
- Two levels are closest to the price: the 20-day EMA at $46.64, which sits above it, and the 52-week low at $43.87, which sits below it.
- The MACD line is negative and the 14-day RSI sits at 43.4, which is neutral. Readings above 70 or below 30 would point to stretched momentum.
- In the first session after the October 29, 2025 report, the share price dropped 7.66%. Across the last 5 reports, FI beat estimates in 4 of them.
FI stays in a downtrend while it sits below both its 50-day average of $49.70 and its 200-day average of $55.87. A close back above the 50-day average would be the first sign of a repair. Overhead, the 20-day EMA at $46.64 is the first level the price would meet.
The next level below the price is the 52-week low of $43.87.
Technical indicators
Momentum and trend for FI, from its daily closes.
As of October 16, 2026, with FI at $46.07, its 14-day RSI is 43.4 (neutral territory), its 50-day simple moving average is $49.70 and its 200-day is $55.87.
Calculated by CleaRank on daily closes as of October 16, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
What FI moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of October 16, 2026, FI's 1-year correlation of daily returns is +0.16 with S&P 500 (SPY), +0.09 with Nasdaq 100 (QQQ), +0.10 with Bitcoin (BTC) and -0.05 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
1/3Most analysts rate it a buy ›
12 of 35 analysts rate it a buy or strong buy, 22 a hold and 1 a sell.Median target above the price ›
The median 12-month target of $82.00 is 78.0% above the price.More buy ratings than three months ago ›
12 of 35 rate it a buy now, against 29 of 33 three months ago.
FI Wall Street View
12-month price targets
The price, $46.07, sits below every analyst's target.
Ratings
As of October 16, 2026, 35 Wall Street analysts cover FI: 12 rate it a buy or strong buy, 22 a hold and 1 a sell or strong sell. Their 12-month price targets range from $50.00 to $250.00, with a median of $82.00, 78.0% above the price of $46.07.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
FI trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Entry Strategies pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from FI's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much FI tends to move, against the market and on its own.
The long record
FI's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
1/4Average daily move under 2% ›
The price has moved 2.08% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 80.8%, from February 2025 to September 2026; the price is still 80.5% below that peak.Most 1-year holds ended higher ›
67% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $9,370.22, against $42,405 in the S&P 500 (SPY).
FI Drawdowns & Recovery
As of October 16, 2026, FI's worst peak-to-trough fall over the last 10 years with dividends reinvested was -80.8% (February 2025 to September 2026); it is still 80.5% below that peak, and 67% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into FI in October 2016 is worth now, against the same amount in the S&P 500.
Against the market: FI trailed the S&P 500 over this period: $9,370.22 against $42,405.
A $10,000 investment in FI in October 2016 would be worth about $9,370 today with dividends reinvested, compared with about $42,405 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to FI, and which have not.
Strongest month, July: an average of +4.27%, up in 9 of 10 years.
Weakest month, September: an average of -2.66%, up in 4 of 10 years.
This month, October: has averaged +0.47%, up in 5 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, FI's strongest calendar month has been July (average +4.27%, up in 9 of 10 years) and its weakest September (average -2.66%, up in 4 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in FI, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 10-year Monte Carlo simulation projects that a $10,000 investment in FI today could grow to about $13,018 by 2036 in the base case, with a 90th-percentile outcome near $53,442 and a 10th-percentile outcome around $3,171. The simulation models price only; at today's 0.63% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
FI Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $51.20 for FI by 2030 in the base case, from $46.07 today (1.1x over 4 years). The 10th-percentile path ends near $20.96. These are outcomes of a Monte Carlo simulation run on FI's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $30.26 | $47.30 | $73.93 | |
| 2028 | $25.82 | $48.57 | $91.33 | |
| 2029 | $23.01 | $49.86 | $108 | |
| 2030 | $20.96 | $51.20 | $125 | |
| 2031 | $19.36 | $52.56 | $143 |
Method: a lognormal simulation of FI's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles.
Insider trading
What the people running the company have bought and sold.
FI insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Insider buying: Insiders bought $652K on the open market and sold $1.3M.
As of October 16, 2026, FI insiders reported 2 open-market sales worth $1.3M and 1 open-market purchase worth $652K over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Oct 30, 2025 | Lance M Fritz
Director
|
Buy | 10.0K | $651.8K |
| May 28, 2025 | Andrew Gelb
Officer
|
Sell | 5.7K | $904.3K |
| May 27, 2025 | Adam L Rosman
Officer
|
Sell | 2.5K | $403.6K |
| May 15, 2025 | Doyle R Simons
Director
|
Option | 6.6K | $267.5K |
| May 14, 2025 | Stephanie E. Cohen
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Castro Henrique Manuel Drummond Borges Cirne De
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Harry F Disimone
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Lance M Fritz
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Ajei S Gopal
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Wafaa Mamilli
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Doyle R Simons
Director
|
Grant | 1.6K | - |
| May 14, 2025 | Kevin M Warren
Director
|
Grant | 1.2K | - |
| May 14, 2025 | Charlotte B Yarkoni
Director
|
Grant | 1.2K | - |
| May 6, 2025 | Frank J Bisignano
Chief Executive Officer
|
Grant | 204 | - |
| May 6, 2025 | Frank J Bisignano
Chief Executive Officer
|
Grant | 210.9K | - |
| Apr 29, 2025 | Frank J Bisignano
Chief Executive Officer
|
Grant | 1.5K | - |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 16, 2026.