Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Why FISV Stock surged +3.18% Today — RQD Quant Desk Flash
Fiserv Inc. (FISV) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is FISV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Fiserv Inc. (NASDAQ: FISV) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $50.02 (+3.18% 1D, market cap $25.78B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, FISV ranks #399 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does FISV compare to CPAY and TCOM in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), FISV carries a Roarable D+ (57/100 RQD), trailing P/E of 7.4x, gross margin of —, and ROIC of 9.6%. By comparison, CPAY (Corpay Inc.) holds a C grade (65/100 RQD, P/E 24.4x, ROIC 23.2%, cap $26.13B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for FISV?
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Per FISV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000798354), Fiserv Inc. generated $21.19B in revenue (+3.6% YoY), $3.48B in net income, and $4.30B in free cash flow against $80.13B in total assets and $24.45B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)
Altman Z-Score 1.27 (DISTRESS RISK (<1.8)) • Piotroski F-Score 8/9
Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)
⚔️ Adversarial Opposing Case: Why the FISV Bull Thesis Could Fail
Even with a 57/100 (D+) score, FISV faces multiple-compression risk if 7.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($48.47) or 200D SMA ($54.53) invalidates the momentum regime and cuts Target Base ($49.79) toward Bear Floor ($38.84).
Why FISV Stock surged +3.18% Today — RQD Quant Desk Flash
Fiserv Inc. (FISV) surged +3.18% to $50.02, trading at 23% of its 52-week range ($43.87 – $70.41). Stretched risk/reward at 7x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 23% of its 52-week range ($43.87 – $70.41) with RSI-14 at 51.9 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±5.5% around $50.02 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $4.3B annual free cash flow.
CNN report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Burry maintained a full Fiserv position, citing stronger profitability and better assets than Global Payments.
For questions about this article or underlying research, email help@trefis.com.
Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FISV)
- ✓Walkthrough of FISV's RQD Radar, SEC cash-conversion gap & downside invalidation levels
- ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
- ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
FISV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +3.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FISV today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FISV. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FISV)
1. Head-to-Head Consumer Discretionary Peer Comparison (FISV vs. CPAY, TCOM, GPN, BR)
Industry: Business Services (90 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Fiserv Inc. (FISV) ranks #399 by composite RQD confidence (57/100, grade D+) and #78 by equity capitalization ($25.78B). Within this direct 5-issuer industry benchmark cohort, TCOM leads on earnings valuation at 5.1x trailing P/E, while CPAY leads on capital efficiency and profitability with 23.2% ROIC and — gross margin. BR currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with FISV at 57/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| FISV
ACTIVE
Fiserv Inc. | D+ | 57/100 | 7.4x | — | 9.6% | +3.18% | $25.78B | Benchmark Subject |
| CPAY Corpay Inc. | C | 65/100 | 24.4x | — | 23.2% | +0.75% | $26.13B | /cpay-vs-fisv → |
| TCOM Trip.com Group Limited | D+ | 53/100 | 5.1x | 80.6% | 8.8% | +2.67% | $24.28B | /tcom-vs-fisv → |
| GPN Global Payments Inc. | C- | 61/100 | 16.2x | 72.6% | 5.1% | +12.97% | $22.68B | /gpn-vs-fisv → |
| BR Broadridge Financial Solutions Inc. | B+ | 77/100 | 24.0x | 31.0% | 18.1% | +0.38% | $20.11B | /br-vs-fisv → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000798354In its most recent audited fiscal period (FY2025, filed 2025-12-31), Fiserv Inc. (FISV) reported GAAP revenue of $21.19B (+3.6% vs. FY2024 revenue of $20.46B , and +11.0% cumulative change since FY2023) , GAAP net income of $3.48B, operating cash flow of $6.06B, and free cash flow of $4.30B (-15.1% YoY). On the balance sheet, FISV closed FY2025 with $80.13B in total assets against $24.45B in total debt (Altman Z-Score: 1.27, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $21.19B | $3.48B | $6.06B | $4.30B | $80.13B | $24.45B |
| FY2024 (FY) | 2024-12-31 | $20.46B | $3.13B | $6.63B | $5.06B | $77.18B | $22.27B |
| FY2023 (FY) | 2023-12-31 | $19.09B | $3.07B | $5.16B | $4.30B | $22.91B | $5.36B |
3. FISV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs FISV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Fiserv Inc. (NASDAQ: FISV) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $50.02 (+3.18% 1D, market cap $25.78B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 1011 tracked Consumer Discretionary issuers, FISV ranks #399 in composite RQD confidence.
How does FISV compare to CPAY and TCOM in the Consumer Discretionary sector?
Within the Consumer Discretionary sector (Business Services), FISV carries a Roarable D+ (57/100 RQD), trailing P/E of 7.4x, gross margin of —, and ROIC of 9.6%. By comparison, CPAY (Corpay Inc.) holds a C grade (65/100 RQD, P/E 24.4x, ROIC 23.2%, cap $26.13B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).
What are the biggest fundamental strengths and SEC risk factors for FISV?
Per FISV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000798354), Fiserv Inc. generated $21.19B in revenue (+3.6% YoY), $3.48B in net income, and $4.30B in free cash flow against $80.13B in total assets and $24.45B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is FISV trading relative to its 50-day, 200-day, and 52-week technical levels?
FISV last traded at $50.02 (+3.18% on volume of 10,921,443 shares), positioning the stock +3.20% above its 50-day simple moving average ($48.47) and -8.27% below its 200-day simple moving average ($54.53). Across its 52-week range of $43.87 to $70.41, FISV sits at the 23.2% percentile with a 14-day RSI of 51.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.5% ($47.27 to $52.77).
FISV Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FISV stock moving today?
Why FISV Stock surged +3.18% Today — RQD Quant Desk Flash. Stretched risk/reward at 7x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
FISV — Fiserv Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, FISV scores 57 out of 100, a letter grade of D+, with the verdict label "Roarable Sell — Weak Fundamentals / Trim." The five pillars break down as follows:
- Fundamental Cash Engine: 9 / 20. Per the RQD rating, ROIC is 9.6% and FCF yield is 16.68%. The cash generation metric is a relative strength, but the pillar score is held down by the return-on-capital figure and the lack of reported gross margin (0%).
- Whale 13F Flow: 8 / 20. The RQD rating cites institutional accumulation and options positioning, but no 13F or holder data is supplied in the source, so the score cannot be traced to specific holders.
- Insider Conviction: 17 / 20. This is the highest pillar, citing SEC Form 4 and Congressional PTR cluster flow. The news wire also references an insider share purchase worth nearly $520K. For a prospective investor, this is the strongest positive signal in the rating.
- Macro Regime Fit: 11 / 20. Per the RQD rating, beta is 1.16, indicating above-market sensitivity to broad moves, and the score reflects sector sensitivity.
- Forensic Balance Sheet: 12 / 20. Per the RQD rating, Altman Z is 1.27, Piotroski F is 8 of 9, and Debt/Equity is 0.88. The Piotroski reading is strong, while the Altman Z-Score sits in a range that signals financial stress, which offsets it.
Investor implications: the upside case rests on the cash-flow yield and insider buying; the valuation case is supported by a low P/E (7.4 TTM, 6.9 forward) and EV/EBITDA of 6.5, but these multiples sit alongside weak ROIC and a low Altman Z-Score, so cheapness is not the same as quality. The weakest pillars (institutional flow and cash-engine returns) argue for caution, which is why the rating carries a Trim verdict. This brief is educational and not personalized financial advice.
Snapshot
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $21193.0M | $5818.0M | $3480.0M | N/A | $4299.0M | $798.0M | $24445.8M |
| FY 2024 | $20456.0M | $5879.0M | $3131.0M | N/A | $5062.0M | $1236.0M | $22270.5M |
| FY 2023 | $19093.0M | $5014.0M | $3068.0M | N/A | $4302.8M | N/A | $5361.3M |
Per the SEC financials, revenue rose from $19093.0M (FY 2023) to $21193.0M (FY 2025), while operating margin in market data is 27.5% and net margin is 16.4%. Free cash flow declined from $5062.0M (FY 2024) to $4299.0M (FY 2025). Per the Roarable RQD rating, ROIC is 9.6% and the Altman Z-Score is 1.27, a level that signals balance-sheet stress, while the Piotroski F-Score is 8 of 9 and Debt/Equity is 0.88. Reported debt rose from $5361.3M (FY 2023) to $24445.8M (FY 2025), and FY 2023 cash is not available in source data.
Open Questions
- What is the nature and financial exposure of the lawsuit referenced in the news wire?
- What is the Q3 earnings date and consensus expectation, given the pre-earnings downgrade?
- Why did debt rise from $5361.3M (FY 2023) to $24445.8M (FY 2025), and what drove it?
- What explains the decline in free cash flow from $5062.0M to $4299.0M, and how does it reconcile with a 16.68% FCF yield?
- What are the company's products, customers, and revenue model, given that the business description is absent from the source?
FISV Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for Fiserv Inc. (FISV) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
CNN report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Stocktwits report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Fiserv Inc. (FISV) market action, institutional positioning, and fundamental catalysts.
FISV Bull vs. Bear Conversation Board — What's Your Call at $50.02?
🔥 Official Bull vs. Bear Debate: Is FISV (D+ • RQD 57/100) a Buy at $48.48?
Welcome to the FISV (Fiserv Inc.) Roar Pit. Current RQD Composite is 57/100 (Roarable Sell — Weak Fundamentals / Trim) in Business Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on FISV — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on FISV, but look at what you are paying: 7.4x trailing P/E with tightening sector spreads. Unless Fiserv Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
FISV cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on FISV, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $48.48 (52-wk range $43.87 - $70.41), any beat on forward guidance forces shorts and underweight funds to chase.