Buffett Brain · Research note
Score updated 21 Oct 2026 · analysis from 17 Aug 2026
FISV· Technology
Fiserv
Fiserv's valuation is compelling with a P/E of 9.1, but its moat and financial health raise concerns.
Buffett fit
Weak fit
Owner
42
Durability
92
Management
64
Price
98
Score updated 21 Oct 2026 · analysis from 17 Aug 2026
Buffett's checklist
Each number against Buffett's bar, and where it ranks among Technology stocks in our database.
How much profit the business makes on each dollar invested in it. Higher is better.
What is left of each sale after the cost of making the product. A high number often means pricing power.
The cash the business earns for its owners, compared with the price of the whole company.
How fast sales grew each year over the last five years.
How many years of today's profit you pay for at today's price. Lower means cheaper.
How much the company owes compared with what it owns outright. Lower is safer.
The four pillars
How the business measures up on each of Buffett's four tests.
Owning Fiserv would mean benefiting from its strong cash flow, with at $4.34B.
The full reasoning comes with a free account.
Fiserv's durability is supported by consistent profitability and a 5-year EPS growth without declines.
The full reasoning comes with a free account.
Management has effectively reduced share count with a 5-year CAGR of -4.59% and a yield of 15.19%, indicating good .
The full reasoning comes with a free account.
Fiserv's valuation is attractive with an earnings yield of 10.99% and an yield of 14.97%, both above the 8-10% target.
The full reasoning comes with a free account.
Free account
Read the full Fiserv analysis free
- The full reasoning behind all four pillars
- The 5-year price target and the return it implies
- What would change the call
- Graham, Lynch and Greenblatt on the same stock
3 full analyses a week · no card needed
For and against
The strongest points on each side, with the numbers behind them.
In its favor
7- 1 ratio of 9.1 indicates a compelling valuation.
- 2 yield of 14.97% suggests strong cash generation.
- 3 of 24.4% is top-quintile in the sector.
- 4EPS CAGR of 33.27% over 5 years shows strong earnings growth.
Concerns
7- 1 of 7.3% is below the sector's top-quintile cutoff of 13.4%.
- 2Net debt/EBITDA of 3.35 suggests high .
- 3 of 58.1% is below the sector's top-quintile cutoff.
- 4Current ratio of 1.06 indicates limited short-term financial flexibility.
Price history
$48.25-56.2%· 5-year return
Weekly closing prices. Touch or hover the line for a date.
The business
How the business works
Fiserv provides payment and financial services technology through its Acceptance, Fintech, and Payments segments. The Acceptance segment includes merchant acquiring and digital commerce services. The Fintech segment manages customer accounts and offers digital banking solutions. The Payments segment processes card transactions and offers digital payment services. With a of 58.1%, Fiserv's unit economics benefit from scale, but its of 7.3% is below sector top-quintile.
How this analysis has moved
The call has held across 4 reviews.
Sep 27, 2026 → Oct 16, 2026
What other investors would say
The same company, judged by three other documented playbooks.
Keep researching
Similar companies in Technology
Free weekly email
Liked the read on FISV? Get the next ones on Monday.
Every Monday: the stocks most of the seven investors newly agree on. One email, unsubscribe any time.
Research, not investment advice.
See the Buffett analysis of Fiserv
The score, the checklist and the full reasoning open with a free account. You get 3 full analyses a week, and this stock is the first one. No card needed.
Create a free account3 full analyses a week · no card needed
Already have an account? Sign in