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STOCK COMPARISON

Fiserv vs International Business Machines: Fair Value & Quality

Both stocks run through our valuation models. Here is how Fiserv (F1IS34) and International Business Machines (IBM) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Fiserv trades at BRL 136 versus a fair value of BRL 56.09 (-59%), while International Business Machines trades at $233 versus $144 (-38%).
Fiserv
F1IS34.SA · BRL · Information Technology
-59%
upside to fair value
overvalued
PriceBRL 136
Fair ValueBRL 56.09
Quality50/100
International Business Machines
IBM · USD · Information Technology
-38%
upside to fair value
overvalued
Price$233
Fair Value$144
Quality60/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

FiservInternational Business Machines
Valuation
8.5×P/E (TTM)25.7×
1.28×P/S (TTM)2.96×
1.05×P/B6.25×
6.4×EV/EBITDA14.8×
0.82×PEG2.71×
—Dividend yield2.3%
—Dividend per share$6.72
Profitability
15%Net margin16%
17%Operating margin14%
12%Return on equity36%
4%Return on assets5%
Growth
-2%Revenue growth (YoY)10%
6.1%Avg. growth/yr (3Y)3.7%
7.4%Avg. growth/yr (5Y)-1.7%
Balance & size
1.04×Debt / equity1.68×
$27BMarket cap$204B
healthyGrowth qualityweak

Fiserv leads: 9 to 4 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Fiservof which business quality 63 · market factors 19 International Business Machinesof which business quality 61 · market factors 39
ProfitabilityMargins and returns on capital today
40
59
Quality GrowthAre margins and returns improving?
46
68
CashflowEarnings quality: real cash, not paper profit
81
70
Fin. StrengthBalance sheet, leverage, solvency risk
39
39
InvestmentDisciplined investing over empire-building
88
66
Low VolatilityCalm price path (market factor)
38
54
MomentumPrice trend over the last 3–12 months (market factor)
16
38
52W MomentumDistance to the 52-week high (market factor)
2
24
Net IssuanceBuybacks instead of dilution
100
69

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Fiserv

DCF ModelsBRL 53.60
Earnings-BasedBRL 33.58
MultiplesBRL 60.37
Asset-BasedBRL 16.20
Growth DCFBRL 50.11
Economic ProfitBRL 32.51
Growth EarningsBRL 55.65

24 of 24 models see the stock below the current price.

International Business Machines

DCF Models$137
Earnings-Based$84.63
Dividend Discount$76.30
Multiples$161
Asset-Based$23.27
Growth DCF$125
Economic Profit$84.51
Growth Earnings$171

24 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Fiserv
Bear BRL 27.95Fair Value BRL 56.09Bull BRL 81.57
BRL 136 = current price (white tick)
International Business Machines
Bear $89.31Fair Value $144Bull $208
$233 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Fiserv · Information Technology

Quality score50 · below median
Fair value upside-59% · below median

International Business Machines · Information Technology

Quality score60 · Top 25%
Fair value upside-38% · below median

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees International Business Machines as the less overvalued of the two: Fiserv trades at BRL 136 versus a fair value of BRL 56.09 (-59%), while International Business Machines trades at $233 versus $144 (-38%).

International Business Machines has the higher quality score (60/100).

See the full analysis →
Fiserv · International Business Machines

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.