Fiserv - AI Stock Analysis

Analysis generated October 30, 2025

Fiserv, Inc. is a global provider of financial services technology. The company serves more than one billion accounts for clients around the world, encompassing financial institutions, corporations, and government agencies. Fiserv offers services in electronic payment processing, digital banking solutions, and information management solutions to streamline financial services for an array of clients.

Fundamental Analysis

Fiserv's revenue for the last quarter was $5.26 billion, which represents a decrease of 4.59% compared to the quarter before. This decrease may be a concern in the short-run, showing potential challenges in maintaining consistent revenue growth. However, when comparing year over year, the revenue increased by 0.92%, suggesting that the company is experiencing positive long-term growth.

Net income for the last quarter was $792 million. This amount reflects a decrease of 22.81% compared to the previous quarter, another potential concern for short-term performance. On the bright side, the net income has increased by 40.43% compared to the same quarter last year, indicating robust long-term profitability growth.

The EBITDA for the last quarter was $1.39 billion, showing a decrease of 44.14% from the previous quarter. Compared to the same quarter last year, EBITDA decreased by 41.96%, which is an issue that may reflect operational inefficiencies or increased expenses. The current P/E ratio is 21.1, indicating the stock is neither particularly undervalued nor overvalued.

Technical Analysis

Today's stock price for Fiserv is $70.60, which indicates a significant decrease of 45.24% compared to a month ago, posing concerns in the short term. From a yearly perspective, the stock price has plunged 64.33%, raising alarms for long-term investors. The ongoing trend appears bearish.

The current Simple Moving Average over the past 10 days (SMA10) is $114.47, which is lower than the previous SMA10 of $119.82, suggesting a continued downward trend. The current Relative Strength Index (RSI) is 73.1, indicating the stock may be overbought and could be poised for a potential price correction soon.

Alternative Data Analysis

Analyzing alternative data starts with job postings and employee sentiment. Fiserv currently has 668 open positions, down by 15% in the last couple of months. This reduction could suggest the company is focusing on improving margins or cutting costs, a not-so-positive sign for growth.

The employee business outlook at Fiserv is reported at 45% positivity, a concerning figure that suggests potential internal challenges. However, this outlook has trended up by 7% in the last couple of months, a slightly bullish indicator.

In terms of customer acquisition, Fiserv garnered an estimated 710,000 visitors to its webpage, up by 26% in the last couple of months, suggesting a positive trend maybe in customer interest or engagement.

On the other hand, concerning mobile app downloads, there hasn't been any meaningful increase or decrease, suggesting stagnation in this customer engagement metric. Fiserv's social media presence includes 26,000 followers on Twitter, which also shows no significant change in the last couple of months.

Lastly, the AI predictive score from AltIndex rates Fiserv with a score of 51, which signals to hold the stock.

Conclusion and Recommendation

Fiserv presents a mixed bag of performance metrics. The company shows promising year-over-year revenue and net income growth, yet recent quarterly comparisons display concerning drops. The technical indicators suggest a bearish trend with an overbought RSI, implying possible further price declines. Additionally, the alternative data presents a picture of cost-cutting and marginal internal positivity tempered by a slight uptick in website traffic.

Given these comprehensive insights, it's recommended to hold the stock, based on current data indicators. This recommendation aims to balance the need for caution due to recent declines with an acknowledgment of the potential for long-term value.

Disclaimer: This AI stock analysis, generated by an experimental AI tool, is for informational purposes only and not financial advice. Information is based on publicly available data and may not always be accurate or current.