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FI
Fiserv, Inc. · Technology
N/A
N/A this month
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FIS
Fidelity National Information Services, Inc. · Technology
$38.21
-12.16% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
FI
0
FIS
0
Comparison scoreboard
MIXED SETUPAI Score
FI N/A
FIS 27.7
1Y Return
FI N/A
FIS -52.50%
Fwd P/E
FI N/A
FIS 5.72
Target Up.
FI N/A
FIS +49.11%
Op. Margin
FI N/A
FIS 16.39%
Metrics last refreshed: 6/20/2026
Quick take
FI vs FIS Stock Comparison: AI Score, Valuation, Performance and Upside
Fiserv and FIS are the two largest US financial technology companies serving banks and financial institutions, but with increasingly different strategic focuses. Fiserv emphasizes merchant acquiring (Clover, Carat) alongside bank processing. FIS, after divesting Worldpay, focuses on banking software and capital markets technology. Both have highly recurring, contract-driven revenue from financial institution clients.
FI vs FIS is the bank processing and merchant acquiring dual-platform compounder with Clover SMB growth (Fiserv) versus the banking software and capital markets technology specialist refocused after Worldpay divestiture (FIS) — Fiserv's Clover growth provides a more compelling revenue driver; FIS's capital markets differentiation is more unique.
Live analysis · updated 6/20/2026
FI and FIS are closely matched — they split the tracked metrics evenly.
Normalized 1Y performance
FI
FIS
Not enough data to chart yet.
Recent returns
FI
FIS
Analyst price targets & sentiment
FI
Price target data unavailable
N/A
FIS
Price target range
analyst mean$58.45
current price$38.21
+49.1% upside to analyst mean
Who should consider this stock?
FI may suit investors who:
- →prefer Fiserv's dual platform of bank processing and Clover merchant acquiring providing two complementary growth vectors
- →value Clover SMB merchant acquiring as a fast-growing software-attach business with high recurring revenue from active merchants
- →want financial technology exposure with consistent free cash flow generation and disciplined share buybacks from First Data synergies
- →are comfortable with Square/Block and Stripe competition in SMB merchant acquiring and slow core banking new client growth
FIS may suit investors who:
- →prefer a banking software and capital markets technology specialist serving large institutions with differentiated solutions Fiserv cannot easily replicate
- →value FIS's strategic refocus post-Worldpay divestiture creating a cleaner, higher-margin software business without merchant acquiring complexity
- →want exposure to core banking modernization and capital markets technology spend as large banks upgrade legacy systems
- →are comfortable with slower organic growth than Fiserv's Clover and the continued investor skepticism from the Worldpay capital allocation loss
Performance & AI score
| Metric | FI | FIS |
|---|---|---|
| AI score | N/A | 27.7 |
| AI rank | N/A | #2462 |
| Latest close | N/A | $38.21 |
| 1M return | N/A | -12.16% |
| 6M return | N/A | -42.37% |
| 1Y return | N/A | -52.50% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FI | FIS |
|---|---|---|
| 1Y ago | N/A | $4.75K (-52.5%) started 2025-06-18 |
| 5Y ago | N/A | $3.15K (-68.5%) started 2021-06-21 |
| 10Y ago | N/A | $7.13K (-28.7%) started 2016-06-20 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | FI | FIS |
|---|---|---|
| Market cap | N/A | $20.26B |
| Trailing P/E | N/A | 7.60 |
| Forward P/E | N/A | 5.72 |
| Price/Sales | 1.68 | N/A |
| EV/Revenue | N/A | 3.55 |
| Analyst target | N/A | $58.45 |
| Target upside | N/A | +49.11% |
Growth, profitability & risk
| Metric | FI | FIS |
|---|---|---|
| Revenue growth | N/A | 30.10% |
| Earnings growth | N/A | 3040.60% |
| EPS growth | N/A | +3040.60% |
| FCF margin | N/A | +21.39% |
| Operating margin | N/A | 16.39% |
| Profit margin | N/A | 23.35% |
| ROIC proxy | N/A | 17.22% |
| Return on equity | N/A | 17.22% |
| Dividend yield | N/A | 4.29% |
| Beta | 0.27 | 0.80 |
| Debt/equity | N/A | 132.33 |
| Current ratio | N/A | 0.59 |
| Quick ratio | N/A | 0.42 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
FI max drawdownN/A
FIS max drawdown53.60%
FI max wkly dropN/A
FIS max wkly drop13.32%
5Y risk snapshot
FI max drawdownN/A
FIS max drawdown72.32%
FI max wkly dropN/A
FIS max wkly drop31.17%
10Y risk snapshot
FI max drawdownN/A
FIS max drawdown73.11%
FI max wkly dropN/A
FIS max wkly drop31.17%
Performance metrics by period
| Period | Metric | FI | FIS |
|---|---|---|---|
| 1Y | Growth | N/A | -52.50% |
| CAGR | N/A | -52.55% | |
| Sharpe ratio | N/A | -2.44 | |
| Max drawdown | N/A | 53.60% | |
| Max daily drop | N/A | 9.17% | |
| Max wkly drop | N/A | 13.32% | |
| 5Y | Growth | N/A | -71.32% |
| CAGR | N/A | -22.13% | |
| Sharpe ratio | N/A | -0.71 | |
| Max drawdown | N/A | 72.32% | |
| Max daily drop | N/A | 28.05% | |
| Max wkly drop | N/A | 31.17% | |
| 10Y | Growth | N/A | -39.25% |
| CAGR | N/A | -4.86% | |
| Sharpe ratio | N/A | -0.16 | |
| Max drawdown | N/A | 73.11% | |
| Max daily drop | N/A | 28.05% | |
| Max wkly drop | N/A | 31.17% |
Business comparison
| Category | FI | FIS |
|---|---|---|
| Company | Fiserv, Inc. | Fidelity National Information Services, Inc. |
| Sector | Technology | Technology |
| Industry | N/A | N/A |
| Core business | Fiserv is a leading financial technology company providing account processing, digital banking, and payments to banks, credit unions, and merchants. Its Clover point-of-sale and merchant acquiring business is one of the fastest-growing small business merchant platforms. Carat serves large enterprise merchants. First Data (acquired 2019) integrated merchant acquiring with Fiserv's bank processing to create an end-to-end commerce platform. Fiserv serves 10,000+ financial institutions with core banking and payment solutions. | FIS is a leading global financial technology company providing banking software, payment solutions, and capital markets technology to banks, capital markets firms, and merchants worldwide. FIS's core banking platform (core processing for large US and international banks) and capital markets solutions differentiate it from Fiserv's focus on community banks. FIS sold the Worldpay merchant acquiring business (previously acquired for $34B) at a significant write-down, refocusing on its banking and capital markets software businesses. |
| Investor focus | Investors track Clover merchant acquiring volume and active merchant count, organic revenue growth, operating margin improvement from First Data integration synergies, and capital allocation between debt paydown and buybacks. | Investors track banking solutions organic growth, capital markets solutions growth, operating margin recovery after Worldpay divestiture, and FIS's strategic refocus on higher-growth software and technology solutions for large banks. |
FI strengths
- →Clover small business merchant platform has grown into one of the largest US SMB merchant acquiring networks with high software attach rates generating recurring SaaS-like revenue
- →Bank processing installed base of 10,000+ financial institutions provides highly predictable, contract-driven recurring revenue from core banking clients
- →First Data integration synergies drove significant margin improvement, and Fiserv consistently generates substantial free cash flow for buybacks
FIS strengths
- →Capital markets technology serving investment banks, asset managers, and exchanges is a differentiated market that Fiserv does not serve at scale
- →Large bank core processing relationships provide very high switching-cost, multi-year contract revenue with leading US and international financial institutions
- →Worldpay divestiture refocuses FIS on higher-margin banking and capital markets software rather than merchant acquiring where competition is more intense
Risks to watch — FI
- →Competition from Square (Block), Toast, and Stripe in merchant acquiring — Clover faces intense competition in the SMB POS market
- →Core bank processing is a slow-growth market — growth depends on winning new clients from Jack Henry or FIS, which occurs slowly
- →Valuation requires consistent execution on Clover growth and margin improvement — any slowdown in SMB commerce volume impacts results
Risks to watch — FIS
- →Worldpay acquisition was a capital destruction event — FIS acquired Worldpay for $34B and divested at significant loss, impacting investor confidence in FIS capital allocation
- →Banking software market growth is slower than merchant payments growth — FIS's pure banking/capital markets focus may grow more slowly than Fiserv's Clover-driven approach
- →Core banking system replacements (FIS Horizon, FIS Modern Banking Platform) require convincing large banks to undergo expensive, multi-year migrations from legacy systems
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