NASDAQ · STOCK
Fiserv
$53.93
52W $47.04 – $238.59
56/100
$28.76B
9.1
0.82
Is FISV Bullish or Bearish?
Mixed.
Innellis AI committee rates Fiserv (FISV) Watch with a composite score of 56/100
, based on 6 analysts with 67% agreement.
Last updated July 31, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +4.03 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -15.97 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 8.9 is inexpensive for the broad market. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 8.9 is inexpensive for the broad market — Value
- Price-to-book of 1.4x is a discount to asset value — Value
- MACD histogram positive -- bullish momentum — Technical
- Market regime is bullish (Bull market -- normal position sizing) — Macro
Bear Case
- Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 31, 2026
Overall Committee Score
56/100
Agreement
67%
Analysts
6
Conviction
Contested
Sector Rank
Top 32%
of 172 Technology peers
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.9 is inexpensive for the broad market
Growth Analyst
bearish
38
/ 100 · Moderate confidence
Growth story is weak, decelerating, or inconsistent
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
neutral
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
Macro Analyst
neutral
58
/ 100 · Moderate confidence
Macro backdrop is mixed or neutral -- not a strong tailwind or headwind either way
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2744.14)
Investment Thesis Evolution
Committee score moved marginally from 55.2 to 56.0.
- Committee agreement increased notably from 50% to 67%.
- New bearish signals: 2 appeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 4 signal(s) disappeared.
- Analyst(s) changed stance: Macro Analyst.
Analyst-level changes:
- Macro Analyst: stance bullish->neutral; score 65->58 (-8); +1 bullish signal(s).
- Portfolio Manager: +2 bearish signal(s).
- Technical Analyst: score 48->58 (+10).
Comparing 2026-07-30 to 2026-07-31 (1 day apart).
Technical Analysis
RSI (14)
60.8
Neutral
MACD Histogram
0.532
Bullish Momentum
Trend Direction
Sideways
Weekly: Downtrend
Market Structure
Lh Ll
Support
$52.95
Resistance
$64.49
Bollinger %B
0.84
Inside Bands
Price vs Moving Averages
EMA 9
$53.00
Above
EMA 21
$52.07
Above
EMA 50
$52.75
Above
EMA 200
$72.17
Below
Fundamental Analysis
Valuation
81
Growth
42
Profitability
0
Financial Health
45
Cash Flow
37
Valuation
P/E Ratio
9.1×
P/B Ratio
1.10×
PEG Ratio
2.16
Dividend Yield
0.00%
52W High
$238.59
52W Low
$47.04
Quality & Growth
ROE
13.5%
ROA
4.3%
Gross Margin
58.1%
Operating Margin
24.4%
Revenue Growth YoY
—
Debt / Equity
1.12
AI Fundamental Assessment
P/E ratio of 9.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.1x; PEG ratio of 2.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.6%; Current ratio of 1.06 (tight short-term liquidity); Debt-to-equity of 1.12; Free cash flow margin of 0.7% (thin cash generation); Free cash flow per share is positive (7.76); Most recent quarter beat estimates by 11.7%; 2 consecutive earnings beats; EPS growth decelerating (-2.5% -> -10.1% QoQ); Analyst estimates falling over recent quarters
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