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Forensic Analysis · Professional & Commercial Services · as of Nov 7, 2026

Fiserv Inc (FISV)

A forensic read on Fiserv Inc built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.

B · Sound & dependable
Forensic grade
Grey Zone
Financial health
2.1
Distress distance
Clean
Earnings quality
1
Forensic signals
13.2%
ROE
3.6%
Revenue growth

This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (auditor quality, say on pay, board independence, going concern). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.

Fiserv Inc earns a B (Sound & dependable) forensic quality grade, and its balance-sheet distress test reads 2.1, placing it in the Grey zone. 1 forensic signal was flagged in its latest SEC filings, led by return on invested capital.

What the filings flag

8.4%
FY2025
Return on invested capital. Return on invested capital is 8.4% in the latest fiscal year, against 7.1% in FY2023, having run between 7.1% and 9.0% across FY2023–FY2025 with no direction held. After-tax operating profit was $4.0B in FY2023 and $4.7B in FY2025, with operating income at 26.3% of revenue in FY2023, 28.7% in FY2024 and 27.5% in FY2025. The capital base behind it went from $56.9B in FY2023 to $55.8B in FY2025 (-2%), while the revenue it carried went from $19.1B to $21.2B.

Key fundamentals

Latest Revenue$21.19B
Revenue Growth YoY+3.6%
Revenue CAGR (2yr)+5.4%
Net Margin16.4%
Free Cash Flow$4.30B
Return on Equity13.2%
Debt / Equity0.96x

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Data from SEC EDGAR public filings · metrics as of Nov 7, 2026. Forensic signals flag probability, not certainty.

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