FISV
FiservNASDAQFinancialsSoftwareSnapshot 2026-05-08
As of May 8, 2026, FISV has a composite score of 18.2, categorized as "mild favorable." The score reflects a medium confidence level of 76.5 and is influenced by various factors, including an unfavorable macro score of -7.7 and a sector score of 14.6. The analysis is provisional, indicating that the current assessments may change.
Price
Daily closes from AlphaVantage. Earnings/event dots are placed inline.
Factor signals
Read top-to-bottom: thesis (is this a strong company over a 1–3 year hold), watch flags (has something changed worth re-reading), and position context (how violent might the path be). Each pill is a parallel diagnostic — never aggregated into a single score.
Thesis
— is this a strong company over a 1–3 year hold?Why this rank
- Direction share1.00
- Slope (norm)0.06
- Bonus0.00
Why this rank
Trailing four: 2024-Q3, 2025-Q1, 2025-Q2, 2025-Q3
Why this rank
Joint read: strong + robust historically delivered 80%+ NI-grew rate over T+1y in IT 2024–26 (small N).
Watch
— has something changed worth re-reading?Why this setup
EPS estimate $2.02 → $1.93 (-4.3% / 30d). 1 raised, 4 cut, 30 covering analysts.
0 upgrades, 0 downgrades / 30d, 7 maintained. 25% of analysts rate Buy.
7 PT revisions / 30d. Avg target 28.1% above current price.
0 positive, 0 negative / 30d.
F4 · Management deep-dive — recent events, stated priorities, guidance track record
Recent 8-K events
No recent events recorded.
Stated priorities
3 priorityies extracted from earnings transcripts (as of 2026-05-08).
- 1.Organic revenue growth of 1% to 3% for 2026growthbehind0% progress
2/10: “Fiserv continues to expect organic revenue growth of 1% to 3% for 2026.”
Why this status
Stated in 2 of last 2 quarters. Fiserv's revenue was $5.28B in 2025-Q4, with organic revenue flat in the quarter and 4% growth for the full year 2025. The guidance for 2026 indicates a lower growth trajectory, suggesting limited progress in achieving higher growth rates.
- 2.Adjusted EPS of $8.00 to $8.30 for 2026growthbehind0% progress
2/10: “Adjusted EPS of $8.00 to $8.30 for 2026.”
Why this status
Stated in 2 of last 2 quarters. Adjusted EPS decreased 21% to $1.99 in 2025-Q4 and decreased 2% to $8.64 for the full year 2025. The guidance for 2026 suggests a stable EPS range, indicating a focus on maintaining earnings levels despite recent declines.
- 3.One Fiserv transformation programgrowthbehind0% progress
2/10: “The team took decisive steps and achieved several meaningful milestones under the One Fiserv plan.”
Why this status
Newly stated in 2025-Q4. The One Fiserv transformation program is aimed at operational excellence, but the financials show a decrease in adjusted EPS by 21% in 2025-Q4, indicating limited progress in financial performance improvement so far.
Guidance track record
Insufficient guidance history for this ticker.
Position context
— how violent might the path be while I hold it?Why this risk level
Recent vol — 30d annualized 40%; 252d 70%.
Drawdown — Max 1y −72%. Bad day move −3%.
Beta to sector ETF (XLF) — 1.52 over 1y.
Liquidity — score 100/100.
Sub-scores — vol 0/100, drawdown 0/100, beta 48/100, earnings vol —.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive — historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only — describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-05-08.
What changed
The most important moves since the prior daily snapshot.
- No material changes since the prior snapshot.
No material changes since the prior snapshot.
as of 2026-05-08
Management scorecard
How management runs the business — capital, margins, balance sheet, and how reliably they guide and deliver.
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
- #1
Organic revenue growth of 1% to 3% for 2026
GrowthFiserv aims for organic revenue growth between 1% and 3% for the fiscal year 2026.
BehindStated in 2 of last 2 quarters. Fiserv's revenue was $5.28B in 2025-Q4, with organic revenue flat in the quarter and 4% growth for the full year 2025. The guidance for 2026 indicates a lower growth trajectory, suggesting limited progress in achieving higher growth rates.
0%CEO/CFO:“Fiserv continues to expect organic revenue growth of 1% to 3% for 2026.”Press releaseSource dated 2026-02-10Stated 2 of last 8 quartersFirst seen 2026-02-10Show history (2)
- 2025-Q4Press release
“Company expects 2026 organic revenue growth of 1% to 3%”
- 2025-Q3Press release
“Company now expects 2025 organic revenue growth of 3.5 to 4%”
- #2
Adjusted EPS of $8.00 to $8.30 for 2026
GrowthFiserv targets adjusted earnings per share between $8.00 and $8.30 for the fiscal year 2026.
BehindStated in 2 of last 2 quarters. Adjusted EPS decreased 21% to $1.99 in 2025-Q4 and decreased 2% to $8.64 for the full year 2025. The guidance for 2026 suggests a stable EPS range, indicating a focus on maintaining earnings levels despite recent declines.
0%CEO/CFO:“Adjusted EPS of $8.00 to $8.30 for 2026.”Press releaseSource dated 2026-02-10Stated 2 of last 8 quartersFirst seen 2026-02-10Show history (2)
- 2025-Q4Press release
“adjusted EPS of $8.00 to $8.30”
- 2025-Q3Press release
“Company now expects adjusted EPS of $8.50 to $8.60”
- #3
One Fiserv transformation program
GrowthFiserv is executing the One Fiserv transformation program to enhance operational excellence.
BehindNewly stated in 2025-Q4. The One Fiserv transformation program is aimed at operational excellence, but the financials show a decrease in adjusted EPS by 21% in 2025-Q4, indicating limited progress in financial performance improvement so far.
0%CEO/CFO:“The team took decisive steps and achieved several meaningful milestones under the One Fiserv plan.”Press releaseSource dated 2026-02-10Stated 1 of last 8 quartersFirst seen 2026-02-10Show history (1)
- 2025-Q4Press release
“executing the One Fiserv plan, the team took decisive steps”
How this stock is priced
Two ways to read price: against peers in the same business, and against the company's own history.
Looks cheaper than most peers in the same business.
Cheaper than its own typical valuation.
P/E over the last 5 years
71 monthly pointsHow this compares
A side-by-side read on composite, valuation, and risk versus peers.
| Stock | Composite | Valuation | Risk |
|---|---|---|---|
FISV Fiserv | +18 | inexpensive | elevated |
BRK-B Berkshire Hathaway | +6.0 | — | moderate |
JPM JPMorgan Chase | -0.9 | full | low |
V Visa Inc. | +20 | — | low |
MA Mastercard | +15 | full | low |
Risk — how this stock moves
What a normal day looks like, what a bad day looks like, and the worst the last year has thrown at it.
What could change this view
Conditional scenarios — if X happens, the score would shift by about Y points. These are not predictions.
- If rates state reverses from -0.37 (negative) to +0.37 (positive)+6.6 pts
- If financials sector trend rises from +0.07 into 'improving' (>= +0.20)+5.0 pts
- If next-quarter guidance is raised (currently NEW as of 2026-05-05)+4.0 pts
- If next-quarter guidance is cut (currently NEW as of 2026-05-05)-8.0 pts
- If financials sector trend falls from +0.07 into 'weakening' (<= -0.20)-5.0 pts
Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-053d agoItem 2.02
of this Current Report on Form 8-K) 104 Cover Page Interactive Data File (embedded within the Inline XBRL document) SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. FISERV, INC. Date: May 5, 2026 By: /s/ Paul M. Todd Paul M. Todd Chief Financial Officer
earnings preannouncementneutralscore 61
Score history
The composite score, snapshot by snapshot. The dotted line at zero separates leaning-positive from leaning-negative.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.