Fiserv (FI) fair value: what the stock is really worth
As of Jul 17, 2026: fair value of Fiserv C$13.20, price C$5.13, upside +157.3%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 29, 2026.
How to read this chart
7‑month range C$4.79 – C$7.12 · fair‑value band C$7.27 – C$20.86 · the C$5.13 price screens below the C$13.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 29, 2026.
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Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments.
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Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The company provides merchant acquiring and digital commerce services, mobile payment services, security and fraud protection solutions, stored-value solutions, software-as-a-service, and pay-by-bank solutions, as well as Clover, a point-of-sale and business management platform through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, independent sales organizations, financial institutions, and other strategic partners. It also offers debit card processing services, debit network services, security and fraud protection products, bill payment; person-to-person payments, account-to-account transfers, credit card processing services, prepaid card processing services, card production services, print services, government payment processing, student loan processing, and customer loan and deposit account processing; digital banking; financial and risk management; and professional services and consulting, check processing, automated clearing house, and real-time payments. It serves large enterprise, small business, banks, credit union, large financial institution, fintech, public sectors, and software providers. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.
Stock analysis
Fiserv CDR (CAD Hedged) (FI) currently trades at C$5.13, while our model-based Fair Value estimate is C$13.20, implying the stock looks roughly 61.1% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of C$16.15 per share, and 19 of the 23 models we run sit above the C$5.13 price.
Bear case: the Asset-Based group reads lowest at C$3.50, and 4 of the 23 models stay below the price. Evidence for this calculation is low.
Scenario range: C$7.27 (bear) to C$20.86 (bull), the price of C$5.13 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Technology sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Fiserv CDR (CAD Hedged) reported revenue of $21.2B in FY2025 versus $17.7B in FY2022, a compound +6.1%/yr. Reported net income was $3.5B in FY2025, compounding +11.2%/yr from FY2022.
Key figures
Market cap C$36.2B (≈ $25.4B) · P/E ratio 10.2 · P/S ratio 1.68 · Net margin 16.4% · Return on equity 1,364% · Return on assets (EBIT) 6.1% · Free cash flow $4.3B · Net debt $26.1B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
For context, the median of 10 Technology peers we cover trades at 56% fair-value upside, at 157%, FI screens cheaper than that median.
Fair Value models
Bear C$7.27Fair Value C$13.20Bull C$20.86
Price C$5.13 · Upside +157.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCFC$7.01C$12.86C$21.4175
Growth DCFC$7.32C$12.66C$20.0873
Owner EarningsC$8.29C$14.75C$24.2071
All 23 models by family
DCF Models
FCF DCFC$7.01C$12.86C$21.4175
Owner EarningsC$8.29C$14.75C$24.2071
5Y Revenue ExitC$5.57C$11.14C$18.0567
5Y EBITDA ExitC$12.89C$24.40C$37.4970
5Y P/E ExitC$7.58C$14.77C$22.0566
10Y Revenue ExitC$5.69C$10.81C$17.2762
10Y EBITDA ExitC$10.60C$19.85C$31.6764
10Y P/E ExitC$7.25C$13.28C$20.2460
Earnings-Based
Graham-DoddC$4.79C$12.50C$16.3062
PEG = 1.0C$2.38C$3.40C$4.4255
EPVC$3.55C$4.99C$6.2671
Multiples
P/E MultipleC$14.78C$19.71C$24.6363
P/S MultipleC$8.97C$11.97C$14.9658
P/B MultipleC$8.97C$11.97C$14.9655
EV/EBITC$15.62C$22.54C$29.4565
EV/EBITDAC$19.07C$27.13C$35.1967
EV/RevenueC$5.37C$9.86C$14.3552
Asset-Based
NCAV (Graham)C$2.61C$3.50C$5.2254
Growth DCF
Growth DCFC$7.32C$12.66C$20.0873
Rev-Margin DCFC$5.57C$11.25C$17.5168
Economic Profit
Residual IncomeC$5.04C$6.09C$8.3767
ROIC CompounderC$3.55C$4.99C$7.0968
Growth Earnings
Growth-Adj P/EC$11.30C$16.15C$20.9965
P/S and P/B multiple show the same value here: both are capped by the same earnings anchor (earnings per share times 17), because margin and return on equity do not support the sector multiple.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.76/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.1%
’22
’23
’24
’25
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.4%
Dividend (yield on the price)0.0%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 27%
Compare Fiserv CDR (CAD Hedged) with another stock
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Information Technology Services · 472 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score64 · Above median
Fair Value upside+157.3% · Top 25%
Profitability
Return on assets0.0% · Bottom 25%
Net margin (TTM)16.4% · Top 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth0.0% · Below median
Balance sheet
Debt / equity1.01× · Highest 25%
Valuation Multiplesvs Information Technology Services median · lower = cheaper
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As of Sep 29, 2026, our model estimates a fair value of C$13.20 versus the last price from Jul 17, 2026 of C$5.13, about +157% upside (undervalued).
What is the fair value of FI?
Our model-based fair value for Fiserv CDR (CAD Hedged) is C$13.20 (as of Sep 29, 2026), built from audited fundamentals. Last price (from Jul 17, 2026): C$5.13.
What is the quality score of FI?
Fiserv CDR (CAD Hedged) has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fiserv (FI)?
Our model-based price target is the fair value of C$13.20 (as of Sep 29, 2026) from 23 valuation models. Cautious scenario C$7.27, optimistic scenario C$20.86. It is a calculation from audited fundamentals, not an analyst target.
What is the Fiserv CDR (CAD Hedged) stock forecast for 2026?
Our models put fair value at C$13.20, about +157% upside versus the last price from Jul 17, 2026 of C$5.13 (undervalued). Cautious scenario C$7.27, optimistic scenario C$20.86. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Fiserv (FI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fiserv CDR (CAD Hedged) it is C$13.20 per share (as of Sep 29, 2026), against a price of C$5.13. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Fiserv CDR (CAD Hedged) stock overvalued or undervalued in 2026?
As of Sep 29, 2026, FI trades below its calculated fair value: price C$5.13, fair value C$13.20, a gap of about +157% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FI?
No. The price is what the market pays today (C$5.13); the fair value is what the company's own numbers justify (C$13.20). For Fiserv CDR (CAD Hedged) the two are C$8.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fiserv CDR (CAD Hedged) worth?
The market values Fiserv CDR (CAD Hedged) at about C$36.2B (market capitalisation, as of Sep 29, 2026). Per share that is C$5.13; our models calculate a fair value of C$13.20 per share.
What do the bullish and bearish scenarios say about FI?
Our models span a range for Fiserv CDR (CAD Hedged): cautious scenario C$7.27, base C$13.20, optimistic C$20.86 per share (as of Sep 29, 2026, price C$5.13). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FI?
Fiserv CDR (CAD Hedged) trades at a price-to-earnings ratio of 10.2 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$13.20 is built from several models across several years. Other multiples: PEG 0.8.
What is the PEG ratio of FI?
The PEG ratio of Fiserv CDR (CAD Hedged) is 0.79 (P/E divided by earnings growth, as of Sep 29, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Fiserv (FI)?
Balance-sheet figures for Fiserv CDR (CAD Hedged) (as of Sep 29, 2026): debt of 1.01 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
Which stocks are comparable to Fiserv CDR (CAD Hedged)?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fiserv CDR (CAD Hedged) stock attractive at the current price?
The data as of Sep 29, 2026: price C$5.13, calculated fair value C$13.20 (+157%), Quality Score 64/100, from 23 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FI calculated?
We run Fiserv CDR (CAD Hedged) through 23 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$13.20, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.8 % above its aggregate fair value. Fiserv CDR (CAD Hedged) currently trades 61 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fiserv (FI)?
The latest price we hold is from Jul 17, 2026 and stands at C$5.13. Our model-based fair value is C$13.20, about +157% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fiserv CDR (CAD Hedged) right now?
The price is below even our cautious bear case (C$7.27). The market is more pessimistic than our downside scenario. The model range is unusually wide (C$7.27 to C$20.86). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Fiserv CDR (CAD Hedged)
How large is the market capitalisation of Fiserv (FI)?
The market capitalisation of Fiserv CDR (CAD Hedged) is C$36.2B (≈ $25.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fiserv (FI)?
The price-to-sales ratio of Fiserv CDR (CAD Hedged) is 1.68 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Fiserv (FI)?
The net margin of Fiserv CDR (CAD Hedged) is 16.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fiserv (FI)?
The return on equity (ROE) of Fiserv CDR (CAD Hedged) is 1,364% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fiserv (FI)?
On an EBIT basis the return on assets of Fiserv CDR (CAD Hedged) is 6.1% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How much free cash flow does Fiserv (FI) generate?
The free cash flow of Fiserv CDR (CAD Hedged) is $4.3B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fiserv (FI) carry?
The net debt of Fiserv CDR (CAD Hedged) is $26.1B (fiscal year 2025, ≈ 6.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Sep 29, 2026