Fiserv Option Alert: Jan, 2026 $220 Calls Sweep (37) near the Ask: 200 vs 2048 OI

Fiserv Option Alert: Jan, 2026 $220 Calls Sweep (37) near the Ask: 200 @ $30.9 vs 2048 OI; Ref=$228.8899

Fiserv (NYSE:FI) 株価情報

Fiserv

Frank's International

Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for us banks and credit unions, with a focus on small and midsize banks. Through the merger with First Data in 2019, Fiserv also provides payment processing services for merchants. About 10% of the company's revenue is generated internationally.

Fiserv Inc

Focus Impact Acquisition Corp Class A

FOCUS IMPACT ACQUISITION CORP UNIT 1 CL A & 1/2 WT EXP

Focus Impact Acquisition Corp Warrants(28/10/2026)

Tidal Trust II YieldMax Short COIN Option Income Strategy ETF

Tidal ETF Trust II Nicholas Fixed Income Alternative ETF

FIRST BANCSHARES INC OH by First Bancshares, Inc.

First Bancshares, Inc.

First Interstate BancSystem, Inc. - Common Stock

First Interstate BancSystem Inc

iShares U.S. Fixed Income Balanced Risk Systematic ETF

Fair Isaac Corp

First Trust International Developed Capital Strength ETF

First Trust S&P International Dividend Aristocrats ETF

Bonfida - United States Dollar

Fidelity International High Dividend ETF

FNB Inc

Fidelity MSCI Industrials Index ETF

FIRST IC CORPORATION by First IC Corporation

First IC Corp

FRONTIER NATL CORP by Frontier National Corp.

TSUBURAYA FIELDS HLDGS by TSUBURAYA FIELDS HLDGS INC.

Tsuburaya Fields Holdings Inc

First Trust Energy Infrastructure Fund Com

FIRST FOODS GROUP INC by First Foods Group, Inc.

First Foods Group Inc

Simplify Exchange Traded Funds Simplify Macro Strategy ETF

Fidelity Investment Grade Bond ETF

FREEDOM INTERNET GROP INC by Freedom Internet Group Inc.

Freedom Internet Group Inc

FUYAO GLASS IND GROUP H by Fuyao Glass Ind Group Co

Fuyao Glass Industry Group Co Ltd

FUTURE INTL GRP CP by Future International Group Corp.

Forge Group Inc

FIRST NB GROTON NY by First National Bank of Groton (NY) (The)

FIGS Inc

Fidelis Insurance Holdings Limited Common Shares

Fidelis Insurance Holdings Ltd

First Trust Exchange-Traded Fund IV First Trust Intermediate Duration Investment Grade Corporate ETF

FINCL INSTNS 8.48 B-1 PFD by Financial Institutions, Inc.

Financial Institutions Inc

FINANCIAL INSTNS 3% PFD by Financial Institutions, Inc.

Filecoin - United States Dollar

FILA FABBRICA ITALIANA by FILA FABBRICA ITALIANA LAPIS ED AFFINI SPA

FILA-Fabbrica Italiana Lapis ed Affini SpA

FILDOWN - United States Dollar

GRAYSCALE FILECOIN TR by Grayscale Filecoin Trust (FIL)

iShares MSCI Global Energy Producers Fund

FILUP - United States Dollar

DeFiner

Defina Finance

Finbar Group Ltd

Themes European Luxury ETF

Refinable

FINNING INTL INC by Finning International Inc.

Finning International Inc

Leonardo SpA

FIRST NATL OF NEB INC by First National of Nebraska, Inc.

First National of Nebraska Inc

FINTECH SCION LIMITED by Fintech Scion Limited

Fintech Scion Ltd

Angel Oak Financial Strategies Income Term Trust Common Shares of Beneficial Interest

Angel Oak Financial Strats Income Term

The Advisors' Inner Circle Fund II Frontier Asset Total International Equity ETF

FinVolution Group American Depositary Shares

FinVolution Group

FinWise Bancorp

Global X FinTech ETF

FIO Protocol

FIORE CANNABAIS LTD by Fiore Cannabis Ltd.

Fiore Cannabis Ltd

FTAI Infrastructure Inc

Tidal ETF Trust FIRE Funds Income Target ETF

Firo

FIRST TRACTOR CO LTD by First Tractor Co. Ltd.

First Tractor Co Ltd

FIRST TRACTOR UNSP/ADR by First Tractor Co. Ltd.

Tidal ETF Trust FIRE Funds Wealth Builder ETF

FIRETAIL RES LTD by FIRETAIL RES LTD.

Fidelity National Information Services, Inc. Common Stock

Fidelity National Information Services Inc

StaFi Protocol - United States Dollar

1st Cap Bancorp

Financial Institutions, Inc. - Common Stock

Empire State Realty OP, L.P. Series 250 Operating Partnership Units Representing Limited Partnership Interests

Empire State Realty OP LP

SPDR SSGA Fixed Income Sector Rotation ETF

Fifth Third Bancorp

Fifth Third Bancorp - Depositary Share repstg 1/1000th Ownership Interest Perp Pfd Series I

Fifth Third Bancorp - Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K

Fifth Third Bancorp - Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A

SPDR S&P Kensho Future Security ETF

FOXCONN INTERCONNECT TECH by Foxconn Interconnect Technology Ltd.

FIT Hon Teng Ltd

Koios Beverage Corp

KOIOS BEVERAGE CORP by Koios Beverage Corp.

CREATIVE EDGE NTRTN INC by Creative Edge Nutrition, Inc.

Creative Edge Nutrition Inc

Fidelity International Value Factor ETF

Five Below Inc

ETF Series Solutions Defiance Next Gen Connectivity ETF

Five9 Inc

YieldMax Dorsey Wright Hybrid 5 Income ETF

First Trust Water ETF

Comfort Systems USA Inc

First Trust TCW Opportunistic Fixed Income ETF

Tidal ETF Trust FolioBeyond Enhanced Fixed Income Premium ETF

Procure ETF Trust II Disaster Recovery Strategy ETF

FIRST CTZNS BNCSHS INC by First Citizens Bancshares, Inc.

First Citizens Bancshares Inc (TN)

National Beverage Corp

Payfare Inc. ("Payfare" or the "Company") (TSX:<a class="ticker" href="https://www.benzinga.com/stock/PAY#TSX">PAY</a>) (OTCQX:<a class="ticker" href="https://www.benzinga.com/stock/PYFRF#OTCQX">PYFRF</a>) is pleased to announce that the Company's Class A Common shareholders (the "Shareholders") have voted in favour of the previously announced acquisition of Payfare by 1517452 B.C. Ltd. (the "Purchaser"), an affiliate of Fiserv, Inc. (NYSE: FI) ("Fiserv") pursuant to a plan of arrangement under the Business Corporations Act (British Columbia) (the "Arrangement") at the Company's special meeting of Shareholders (the "Meeting") held earlier today.

PYFRF

TSX:PAY

Payfare Announces Shareholder Approval Of Its Acquisition By Fiserv

A significant insider transaction involving the exercise of company stock options was reported on February 20, by Guy Chiarello, Chief Operating Officer at Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>), as per the latest SEC filing.
What Happened: A Form 4 filing with the <a href="https://www.sec.gov/Archives/edgar/data/0000798354/000079835425000051//Archives/edgar/data/798354/000079835425000051/0000798354-25-000051-index.htm">U.S. Securities and Exchange Commission</a> on Thursday revealed that Chiarello, Chief Operating Officer at Fiserv in the Financials sector, exercised stock options for 45,000 shares of FI stock. The exercise price of the options was $41.33 per share.
Fiserv shares are currently trading down by 0.52%, with a current price of $233.2 as of Friday morning. This brings the total value of Chiarello's 45,000 shares to $8,634,150.
<h3>Unveiling the Story Behind Fiserv</h3>
Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for us banks and credit unions, with a focus on small and midsize banks. Through the merger with First Data in 2019, Fiserv also provides payment processing services for merchants. About 10% of the company's revenue is generated internationally.
<h3>Unraveling the Financial Story of Fiserv</h3>
Positive Revenue Trend: Examining Fiserv's financials over 3 months reveals a positive narrative. The company achieved a noteworthy revenue growth rate of 0.69% as of 31 December, 2024, showcasing a substantial increase in top-line earnings. As compared to its peers, the revenue growth lags behind its industry peers. The company achieved a growth rate lower than the average among peers in Financials sector.
Analyzing Profitability Metrics:
<ul>
<li>
Gross Margin: Achieving a high gross margin of 61.55%, the company performs well in terms of cost management and profitability within its sector.
</li>
<li>
Earnings per Share (EPS): Fiserv's EPS is significantly higher than the industry average. The company demonstrates a robust bottom-line performance with a current EPS of 1.648742.
</li>
</ul>
Debt Management: Fiserv's debt-to-equity ratio is below the industry average at 0.92, reflecting a lower dependency on debt financing and a more conservative financial approach.
Financial Valuation Breakdown:
<ul>
<li>
Price to Earnings (P/E) Ratio: With a lower-than-average P/E ratio of 43.57, the stock indicates an attractive valuation, potentially presenting a buying opportunity.
</li>
<li>
Price to Sales (P/S) Ratio: A higher-than-average P/S ratio of 6.67 suggests overvaluation in the eyes of investors, considering sales performance.
</li>
<li>
EV/EBITDA Analysis (Enterprise Value to its Earnings Before Interest, Taxes, Depreciation &amp; Amortization): With an EV/EBITDA ratio lower than industry averages at 17.57, Fiserv could be considered undervalued.
</li>
</ul>
Market Capitalization Analysis: The company's market capitalization is above the industry average, indicating that it is relatively larger in size compared to peers. This may suggest a higher level of investor confidence and market recognition.
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<h3>Exploring the Significance of Insider Trading</h3>
Insightful as they may be, insider transactions should be considered alongside a thorough examination of other investment criteria.
When discussing legal matters, the term "insider" refers to any officer, director, or beneficial owner holding more than ten percent of a company's equity securities, as stipulated in Section 12 of the Securities Exchange Act of 1934. This includes executives in the c-suite and significant hedge funds. Such insiders are required to report their transactions through a Form 4 filing, which must be completed within two business days of the transaction.
A new purchase by a company insider is a indication that they anticipate the stock will rise.
On the other hand, insider sells may not necessarily indicate a bearish view and can be motivated by various factors.
<h3>The Insider's Guide to Important Transaction Codes</h3>
Delving into transactions, <a href="https://www.benzinga.com/money/investing-tools">investors</a> typically prioritize those unfolding in the open market, as precisely outlined in Table I of the Form 4 filing. A P in Box 3 indicates a purchase, while S signifies a sale. Transaction code C signals the conversion of an option, and transaction code A denotes a grant, award, or other acquisition of securities from the company.
<a href="https://www.benzinga.com/sec/insider-trades/search/index?company_cik=0000798354">Check Out The Full List Of Fiserv's Insider Trades.</a>
Insider Buying Alert: Profit from C-Suite Moves
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

News

Insider Trades

Trading Ideas

Guy Chiarello Exercises Options, Realizes $8.63M

Since taking office, <a href="https://www.benzinga.com/personal-finance/25/02/43759664/trump-investigates-u-s-debt-for-fraud-suggests-treasury-payments-might-not-count">President Donald Trump</a> has made several changes that could impact Social Security. While his administration has vowed not to touch Social Security benefits, some of their actions could indirectly impact Social Security.&nbsp;
Here's what we know.&nbsp;
<h2 class="wp-block-heading">Inflation Affects COLAs</h2>
Anything Trump does that impacts inflation will have a consequence for cost-of-living adjustments, the annual cost-of-living-adjustment that Social Security beneficiaries receive based on inflation from the previous year.&nbsp;
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</ul>
And while Trump campaigned on lowering inflation and grocery prices, inflation has only risen since his election. The annual inflation rate has risen to from 2.7% to 3% since Trump's election in November, <a href="https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm">according to the Bureau of Labor Statistics</a>. In January alone, the energy index rose 1.1% and the gasoline index rose 1.8%, with food and shelter each rising 0.4%.&nbsp;
The reason this matters for <a href="https://www.benzinga.com/personal-finance/25/01/43314745/2025-cola-shortfall-why-social-security-retirees-are-losing-spending-power">Social Security beneficiaries and their COLAs</a>, at least over this next year, is that the COLA for 2025 has already been made. But it was adjusted based on lower inflation rates from the third quarter of 2024, which inflation has since surpassed.&nbsp;
With Trump's looming reciprocal tariffs and newly announced 25% tariffs on steel and aluminum imports to the U.S., many economists believe inflation will contribute to rise, which could further erode the buying power of this year's COLA. However, if inflation continues to rise into the third quarter, that should result in another increase for 2026.&nbsp;
Trending: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $100.</a>
<h2 class="wp-block-heading">Immigration Impacts on Social Security Trust Fund</h2>
Immigration plays a role in <a href="https://www.benzinga.com/personal-finance/25/01/43197447/social-securitys-lifeline-how-unauthorized-immigrants-help-fund-benefits-for-68-million-americans">funding Social Security</a>. Many undocumented workers pay into the system using Individual Taxpayer Identification Numbers but never collect benefits. Trump&#8217;s stricter immigration policies, including deportations and visa restrictions, could reduce the number of workers contributing to the Social Security Trust Fund. Fewer contributions could accelerate the program's insolvency timeline.
<h2 class="wp-block-heading">Social Security Taxes</h2>
Trump has suggested eliminating the federal income tax on Social Security benefits, which would provide immediate relief for retirees. However, doing so could also strain the system's finances. The nonpartisan <a href="https://www.crfb.org/blogs/what-would-trump-campaign-plans-mean-social-security">Committee for a Responsible Federal Budget</a> estimates that exempting Social Security income from taxation could reduce revenue by $2.3 trillion through fiscal year 2035 and potentially accelerate the program's depletion from 2034 to 2031.
Trending: Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a>
<h2 class="wp-block-heading">DOGE's Involvement with Social Security</h2>
One of the most unexpected developments has been the <a href="https://www.benzinga.com/personal-finance/25/02/43592816/social-security-beneficiaries-have-every-reason-to-be-alarmed-by-musks-access-to-u-s-department-of-treasury-payment-system">Department of Government Efficiency</a>, which has taken an interest in Social Security fraud investigations. Elon Musk, workingth DOGE, has claimed that the SSA is plagued by fraud, though there is little evidence to support widespread misuse. Musk has pushed for access to SSA data to uncover potential fraudulent payments, raising privacy concerns.
The controversy deepened when Musk alleged that millions of deceased individuals were still receiving benefits. However, <a href="https://oig.ssa.gov/assets/uploads/072401.pdf">the SSA's inspector general</a> indicates that while errors do occur–generally overpayments–fraudulent payments represent less than 1% of total benefits. Critics argue that giving DOGE control over Social Security records could compromise personal information and lead to potential misuse of data.
See Also: The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?
<h2 class="wp-block-heading">Acting Head of SSA Resigns</h2>
Following alleged tensions over DOGE's involvement, the acting head of the SSA, Michelle King, resigned. Trump appointed Leland Dudek, who previously led the agency&#8217;s anti-fraud unit, as the new acting head. His appointment has raised concerns about increased political influence over the SSA, as he has expressed support for Musk's fraud investigation efforts.
Meanwhile, Trump has nominated Frank Bisignano, CEO of Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>), to permanently lead the SSA. If confirmed by the Senate, Bisignano will oversee the agency at a time of heightened scrutiny and uncertainty.
<h2 class="wp-block-heading">Looking Ahead</h2>
With ongoing debates about COLAs, <a href="https://www.benzinga.com/personal-finance/25/02/43580701/85-of-americans-willing-to-raise-taxes-to-save-social-security-survey-shows">Social Security taxes</a>, immigration, and fraud investigations, the future of the program remains uncertain. While Trump has not directly cut benefits, his administration&#8217;s policies and priorities could shape Social Security's trajectory for years to come.
As these developments unfold, retirees and future beneficiaries should stay informed about policy changes that could impact their financial security.
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Personal Finance

From COLAs To Taxes: Trump's Social Security Changes So Far

Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) has outperformed the market over the past 20 years by 8.94% on an annualized basis producing an average annual return of 17.36%. Currently, Fiserv has a market capitalization of $133.84 billion. 
Buying $1000 In FI: If an investor had bought $1000 of FI stock 20 years ago, it would be worth $24,715.87 today based on a price of $235.25 for FI at the time of writing.
<h3>Fiserv's Performance Over Last 20 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1740090619_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

$1000 Invested In Fiserv 20 Years Ago Would Be Worth This Much Today

This is in addition to the shares remaining available under the company's existing authorization.

Buybacks

Fiserv Board Authorizes Repurchase Of 60M Shares Of Common Stock

Payfare Says ISS Reiterated Recommendation That Shareholders Vote For Arrangement With Fiserv

The Consumer Financial Protection Bureau (CFPB) has been put on ice. Staffers have been told to halt all work, and the agency's Washington headquarters has <a href="https://www.benzinga.com/topic/cfpb">reportedly been shut down</a>. 
While this unprecedented move raises serious concerns about consumer rights, it also presents a potential opportunity for investors. ETFs with significant exposure to banks, payday lenders, and credit reporting agencies may benefit if looser regulations translate into higher profit margins.
Also Read: <a href="https://www.benzinga.com/government/regulations/25/02/43451675/bessent-freezes-consumer-financial-protection-bureau-work-leaving-lawsuits-against-jpmorgan-bank-of-america-capital-one-in-limbo">Bessent Freezes Consumer Financial Protection Bureau Work Leaving Lawsuits Against JPMorgan, Bank Of America, Capital One In Limbo</a>
Banking &amp; Financial Sector ETFs: The Biggest Beneficiaries?
Big banks have frequently clashed with the CFPB over issues ranging from overdraft fees to consumer lending practices. With the watchdog out of commission, major financial institutions could see reduced compliance costs and potentially higher profits. 
Investors looking to capitalize on this regulatory shift might consider ETFs with heavy bank exposure, such as:
<ul>
<li>Financial Select Sector SPDR Fund (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/XLF#NYSE">XLF</a>): This fund tracks large U.S. financial institutions, including JPMorgan Chase (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JPM#NYSE">JPM</a>), Bank of America (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BAC#NYSE">BAC</a>), and Citigroup (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/C#NYSE">C</a>). </li>
<li>Invesco KBW Bank ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KBWB#NASDAQ">KBWB</a>): This ETF could benefit if regulatory rollbacks allow banks to expand lending operations with fewer restrictions. Goldman Sachs (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>), JPMorgan, Morgan Stanley (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>), Bank Of America and Wells Fargo &amp; Co. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WFC#NYSE">WFC</a>) are among the top holdings of the ETF.</li>
<li>iShares U.S. Financials ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IYF#NYSE">IYF</a>): Another broad financial sector play, IYF provides exposure to insurance firms, banks, and capital markets. Among its top holdings are S&amp;P Global (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPGI#NYSE">SPGI</a>), BlackRock Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BLK#NYSE">BLK</a>) and Wells Fargo.</li>
</ul>
Also Read: <a href="https://www.benzinga.com/government/regulations/24/12/42479974/us-lenders-file-joint-lawsuit-against-consumer-finance-watchdog-for-capping-overdraft-fees-wells-fargo-jpmorgan-citigroup-stocks-in-focus">US Lenders File Joint Lawsuit Against Consumer Finance Watchdog For Capping Overdraft Fees</a>
FinTech &amp; Alternative Lending: Risky Yet Promising
The CFPB has been a thorn in the side of payday lenders and fintech firms, often cracking down on <a href="https://www.benzinga.com/markets/equities/25/01/42836870/warren-buffetts-berkshire-hathaway-subsidiary-sued-over-unaffordable-loans-2008-style-predatory-loan-approval-tactics">predatory lending practices</a>. With enforcement on hold, companies like LendingClub (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LC#NYSE">LC</a>) may operate with fewer regulatory headaches. That makes fintech-focused ETFs worth watching, such as:
<ul>
<li>Global X FinTech ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FINX#NASDAQ">FINX</a>): This fund invests in innovative financial technology firms that could benefit from a more relaxed regulatory environment. Fidelity National Info (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FIS#NYSE">FIS</a>) and Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) sit at the top of the portfolio distribution.</li>
<li>iShares US Small Cap Value Factor ETF (BATS:<a class="ticker" href="https://www.benzinga.com/stock/SVAL#BATS">SVAL</a>): It is an equal-weighted equity index tracking the Russell 2000 Focused Value Select Index which measures the performance of small-cap U.S. companies&nbsp;including LendingClub.</li>
</ul>
<h3 class="wp-block-heading">The Background</h3>
The CFPB, created in the aftermath of the 2008 financial crisis, has been — according to advocates — a necessary watchdog keeping financial institutions in check. 
For example, the CFPB has <a href="https://www.consumerfinance.gov/about-us/blog/twelve-years-of-protecting-consumers-and-honest-businesses/#:~:text=Here%27s%20a%20look%20at%20some,CFPB%20enforcement%20and%20supervision%20work">recovered</a> over $17.5 billion for consumers affected by fraudulent or predatory practices.
It has also <a href="https://www.consumerreports.org/consumer-protection/how-cfpb-changes-could-impact-consumers-a2527371632/?utm_source=chatgpt.com">established</a> rules to limit overdraft fees and reduce credit card late fees, aiming to protect consumers from excessive charges.
Meanwhile, critics — especially from the banking industry (i.e., JPMorgan Chase CEO Jamie Dimon) — argue <a href="https://www.benzinga.com/startups/24/11/42024453/if-youre-in-a-knife-fight-you-better-damn-well-bring-a-knife-jpmorgan-ceo-jamie-dimon-calls-for-a-stand-against-regulation">it&#8217;s a regulatory burden</a>.
Now, with an abrupt directive for staff to ‘stand down' and stop all work, the agency's future is uncertain.
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</ul>
Photo: Shutterstock

Sector ETFs

Broad U.S. Equity ETFs

ETFs

FINX

iShares Dow Jones US Financial Sector Index Fund

KBWB

SPGI

SVAL

Regulatory Freeze At CFPB: These ETFs Could Gain As Oversight Weakens

In the current market session, Fiserv Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) stock price is at $229.71, after a 0.41% drop. However, over the past month, the company's stock spiked by 12.34%, and in the past year, by 58.44%. Shareholders might be interested in knowing whether the stock is overvalued, even if the company is not performing up to par in the current session. 

<img src="https://www.benzinga.com/files/images/story/2025/1739300409_0.png" alt="Past Year Chart" />

<h3>Comparing Fiserv P/E Against Its Peers</h3>
The P/E ratio measures the current share price to the company's EPS. It is used by long-term investors to analyze the company's current performance against it's past earnings, historical data and aggregate market data for the industry or the indices, such as S&amp;P 500. A higher P/E indicates that investors expect the company to perform better in the future, and the stock is probably overvalued, but not necessarily. It also could indicate that investors are willing to pay a higher share price currently, because they expect the company to perform better in the upcoming quarters. This leads investors to also remain optimistic about rising dividends in the future. 
Compared to the aggregate P/E ratio of the 46.94 in the Financial Services industry, Fiserv Inc. has a lower P/E ratio of 42.87. Shareholders might be inclined to think that the stock might perform worse than it's industry peers. It's also possible that the stock is undervalued. 

<img src="https://www.benzinga.com/files/images/story/2025/1739300409_1.png" alt="Guage" />

In conclusion, the price-to-earnings ratio is a useful metric for analyzing a company's market performance, but it has its limitations. While a lower P/E can indicate that a company is undervalued, it can also suggest that shareholders do not expect future growth. Additionally, the P/E ratio should not be used in isolation, as other factors such as industry trends and business cycles can also impact a company's stock price. Therefore, investors should use the P/E ratio in conjunction with other financial metrics and qualitative analysis to make informed investment decisions.

Intraday Update

Markets

Price Over Earnings Overview: Fiserv

Susquehanna analyst James Friedman maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Positive and raises the price target from $230 to $270.

Price Target

Analyst Ratings

Susquehanna Maintains Positive on Fiserv, Raises Price Target to $270

Barclays analyst David Anderson maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Overweight and raises the price target from $235 to $265.

Barclays Maintains Overweight on Fiserv, Raises Price Target to $265

Several analysts raised the price target on Fiserv, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) following fourth-quarter 2024 <a target="_blank" href="https://www.benzinga.com/quote/fi/analyst-ratings" rel="noreferrer noopener">results reported on Wednesday.</a>
The company reported revenue of $5.25 billion, beating the&nbsp;analyst consensus estimate of $4.96 billion, and adjusted EPS of $2.51, beating the&nbsp;<a target="_blank" href="https://www.benzinga.com/news/earnings/25/02/43501055/fiserv-q4-earnings-merchant-financial-solutions-fuel-growth-double-digit-outlook-for-2025" rel="noreferrer noopener">analyst consensus estimate of $2.48</a>.&nbsp;
Fiserv&nbsp;expects FY25&nbsp;organic revenue&nbsp;growth of 10%-12% and adjusted EPS outlook of $10.10-$10.30, representing&nbsp;growth of 15%-17% Y/Y vs. the&nbsp;<a target="_blank" href="https://www.benzinga.com/calendars/guidance" rel="noreferrer noopener">$10.20 consensus</a>.
Stephens analyst Charles Nabhan raised the price forecast from $255 to $270 while reaffirming an Overweight rating.
The analyst writes that the lapping of Argentina comparables and the timing of go-lives should lead to first-quarter organic growth of less than 10% and second-half growth of above 12%.
With the transitory impact of excess inflation and Dolar Turista weakening through the year, the analyst expects adjusted and organic revenue to converge through the year.
For 2025, Nabhan projects a 1.5% foreign exchange headwind and estimates FY26 adj. EPS of $12.06.
Also, Keefe, Bruyette &amp; Woods analyst Vasundhara Govil raised the price forecast from $238 to $260 while reaffirming an Outperform rating.
The analyst says that Fiserv continues to experience healthy business trends, with volume growth in line with Visa and Mastercard across SMB and Enterprise segments and momentum carrying into January.
Distribution expansion and new product rollouts are strengthening Clover, while upcoming new client wins in 2025 should drive further growth in Financial Solutions, per the analyst.
The analyst increased the FY25 EPS estimate to $10.20 (from $10.10) and FY26 EPS estimate to $11.75 (from $11.65) to reflect the quarterly beat and strong underlying growth drivers.
Moreover, KeyBanc analyst Alex Markgraff raised the price forecast from $250 to $270 while maintaining an Overweight rating.
The analyst says that Fiserv&#8217;s results were solid, with strong Clover revenue growth and above-Street FY25 guidance for adjusted revenue and EPS standing out as key positives.
Management&#8217;s commentary on the CEO transition and FY25 growth opportunities was encouraging, despite some uneven growth cadence, adds the analyst.
As a result, Markgraff raised the FY25/FY26 estimates, driven primarily by stronger Merchant Solutions growth and margin expansion.
Additionally, RBC Capital Markets analyst Daniel R. Perlin raised the price forecast from $255 to $270 while maintaining an Outperform rating.
The analyst says that FI delivered strong results, exceeding expectations, with Clover revenue up 29% year-over-year and issuing FY25 guidance that supports continued momentum.
The analyst adjusted FY25 revenue estimate to $20.5 billion (from $20.8 billion) while maintaining the adjusted EPS estimate at $10.20. Additionally, Perlin estimates FY26 of $22.2 billion in revenue and $11.80 in adjusted EPS.
Investors can gain exposure to the stock via TCW Compounders ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GRW#NYSE">GRW</a>) and Global X FinTech ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FINX#NASDAQ">FINX</a>).
Price Action: FI shares are up 0.48% at $230.64 at the last check Thursday.
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Analyst Color

Equities

Large Cap

Reiteration

Fiserv Fires On All Cylinders, Analysts Bump Up Price Forecasts Post Q4 Results

RBC Capital analyst Daniel Perlin maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Outperform and raises the price target from $255 to $270.

RBC Capital Maintains Outperform on Fiserv, Raises Price Target to $270

Keefe, Bruyette &amp; Woods analyst Vasundhara Govil maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Outperform and raises the price target from $238 to $260.

Keefe, Bruyette & Woods Maintains Outperform on Fiserv, Raises Price Target to $260

Wells Fargo analyst Andrew Bauch maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Overweight and raises the price target from $240 to $270.

Wells Fargo Maintains Overweight on Fiserv, Raises Price Target to $270

Keybanc analyst Alex Markgraff maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Overweight and raises the price target from $250 to $270.

Keybanc Maintains Overweight on Fiserv, Raises Price Target to $270

Stephens &amp; Co. analyst Charles Nabhan maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Overweight and raises the price target from $255 to $270.

Stephens & Co. Maintains Overweight on Fiserv, Raises Price Target to $270

Morgan Stanley analyst Ole Slorer maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Overweight and raises the price target from $258 to $267.

Morgan Stanley Maintains Overweight on Fiserv, Raises Price Target to $267

Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our <a href="https://www.benzinga.com/analyst-stock-ratings">analyst ratings page</a>.
<ul>
<li>Evercore ISI Group raised Arm Holdings plc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARM#NASDAQ">ARM</a>) price target from $176 to $202. Evercore ISI Group analyst Mark Lipacis maintained an Outperform rating. Arm shares closed at $173.26 on Wednesday. <a href="https://www.benzinga.com/quote/ARM/analyst-ratings">See how other analysts view this stock.</a></li>
<li>B of A Securities raised the price target for Amgen Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMGN#NASDAQ">AMGN</a>) from $256 to $275. B of A Securities analyst Tim Anderson maintained an Underperform rating. Amgen shares closed at $307.81 on Wednesday. <a href="https://www.benzinga.com/quote/AMGN/analyst-ratings">See how other analysts view this stock.</a></li>
<li>BMO Capital boosted Fiserv, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) price target from $233 to $260. BMO Capital analyst Rufus Hone maintained an Outperform rating. Fiserv shares closed at $229.53 on Wednesday. <a href="https://www.benzinga.com/quote/FI/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Rosenblatt raised the price target for Coherent Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/COHR#NYSE">COHR</a>) from $105 to $115. Rosenblatt analyst Mike Genovese maintained a Neutral rating. Coherent shares closed at $90.10 on Wednesday. <a href="https://www.benzinga.com/quote/COHR/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Northland Capital Markets cut the price target for CSG Systems International, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/CSGS#NASDAQ">CSGS</a>) from $78 to $80. Northland Capital Markets analyst Nehal Chokshi reiterated an Outperform rating. CSG Systems shares closed at $61.66 on Wednesday. S<a href="https://www.benzinga.com/quote/CSGS/analyst-ratings">ee how other analysts view this stoc</a>k.</li>
<li>Piper Sandler slashed Skyworks Solutions, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/SWKS#NASDAQ">SWKS</a>) price target from $85 to $70. Piper Sandler analyst Harsh Kumar maintained a Neutral rating. Skyworks shares settled at $87.08 on Wednesday. <a href="https://www.benzinga.com/quote/SWKS/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Barclays cut PepsiCo, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>) price target from $158 to $153. Barclays analyst Lauren Lieberman maintained an Overweight rating. PepsiCo shares closed at $145.66 on Wednesday. <a href="https://www.benzinga.com/quote/PEP/analyst-ratings">See how other analysts view this stock.</a></li>
<li>Leerink Partners cut Hologic, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOLX#NASDAQ">HOLX</a>) price target from $80 to $75. Leerink Partners analyst Puneet Souda downgraded the stock from Outperform to Market Perform. Hologic shares closed at $72.80 on Wednesday.  <a href="https://www.benzinga.com/quote/HOLX/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Goldman Sachs raised the price target for Workday, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/WDAY#NASDAQ">WDAY</a>) from $300 to $310. Goldman Sachs analyst Kash Rangan maintained a Buy rating. Workday shares settled at $276.17 on Wednesday. <a href="https://www.benzinga.com/quote/WDAY/analyst-ratings">See how other analysts view this stock</a>.</li>
<li>Piper Sandler slashed Uber Technologies, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UBER#NYSE">UBER</a>) price target from $82 to $80. Piper Sandler analyst Thomas Champion maintained an Overweight rating. Uber shares closed at $64.48 on Wednesday. <a href="https://www.benzinga.com/quote/UBER/analyst-ratings">See how other analysts view this stock</a>.</li>
</ul>
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Pre-Market Outlook

AMGN

COHR

CSGS

HOLX

SWKS

UBER

WDAY

Uber To $80? Here Are 10 Top Analyst Forecasts For Thursday

11 analysts have expressed a variety of opinions on Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) over the past quarter, offering a diverse set of opinions from bullish to bearish.
The table below summarizes their recent ratings, showcasing the evolving sentiments within the past 30 days and comparing them to the preceding months.
<table>
<thead>
<tr>
<th></th>
<th align="right">Bullish</th>
<th align="right">Somewhat Bullish</th>
<th align="right">Indifferent</th>
<th align="right">Somewhat Bearish</th>
<th align="right">Bearish</th>
</tr>
</thead>
<tbody>
<tr>
<td>Total Ratings</td>
<td align="right">2</td>
<td align="right">8</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>Last 30D</td>
<td align="right">0</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>1M Ago</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>2M Ago</td>
<td align="right">0</td>
<td align="right">5</td>
<td align="right">0</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
<tr>
<td>3M Ago</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">1</td>
<td align="right">0</td>
<td align="right">0</td>
</tr>
</tbody>
</table>
Providing deeper insights, analysts have established 12-month price targets, indicating an average target of $247.18, along with a high estimate of $278.00 and a low estimate of $231.00. Marking an increase of 10.0%, the current average surpasses the previous average price target of $224.70. 
<img src="https://www.benzinga.com/files/images/story/2025/1738846912_0.png" alt="price target chart" />
<h2>Interpreting Analyst Ratings: A Closer Look</h2>
A clear picture of Fiserv's perception among financial experts is painted with a thorough analysis of recent analyst actions. The summary below outlines key analysts, their recent evaluations, and adjustments to ratings and price targets.
<table>
<thead>
<tr>
<th>Analyst</th>
<th>Analyst Firm</th>
<th>Action Taken</th>
<th>Rating</th>
<th>Current Price Target</th>
<th>Prior Price Target</th>
</tr>
</thead>
<tbody>
<tr>
<td>Rufus Hone</td>
<td>BMO Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$260.00</td>
<td>$233.00</td>
</tr>
<tr>
<td>Andrew Bauch</td>
<td>Wells Fargo</td>
<td>Raises</td>
<td>Overweight</td>
<td>$240.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>Ashwin Shirvaikar</td>
<td>Citigroup</td>
<td>Raises</td>
<td>Buy</td>
<td>$233.00</td>
<td>$230.00</td>
</tr>
<tr>
<td>Charles Nabhan</td>
<td>Stephens &amp; Co.</td>
<td>Maintains</td>
<td>Overweight</td>
<td>$255.00</td>
<td>$255.00</td>
</tr>
<tr>
<td>Rayna Kumar</td>
<td>Oppenheimer</td>
<td>Raises</td>
<td>Outperform</td>
<td>$239.00</td>
<td>$214.00</td>
</tr>
<tr>
<td>Charles Nabhan</td>
<td>Stephens &amp; Co.</td>
<td>Raises</td>
<td>Overweight</td>
<td>$255.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>Ole Slorer</td>
<td>Morgan Stanley</td>
<td>Raises</td>
<td>Overweight</td>
<td>$258.00</td>
<td>$220.00</td>
</tr>
<tr>
<td>Vasundhara Govil</td>
<td>Keefe, Bruyette &amp; Woods</td>
<td>Raises</td>
<td>Outperform</td>
<td>$238.00</td>
<td>$225.00</td>
</tr>
<tr>
<td>Will Nance</td>
<td>Goldman Sachs</td>
<td>Raises</td>
<td>Neutral</td>
<td>$231.00</td>
<td>$208.00</td>
</tr>
<tr>
<td>Dominick Gabriele</td>
<td>Compass Point</td>
<td>Announces</td>
<td>Buy</td>
<td>$278.00</td>
<td>-</td>
</tr>
<tr>
<td>Rufus Hone</td>
<td>BMO Capital</td>
<td>Raises</td>
<td>Outperform</td>
<td>$232.00</td>
<td>$222.00</td>
</tr>
</tbody>
</table>
<h3>Key Insights:</h3>
<ul>
<li>Action Taken: Analysts respond to changes in market conditions and company performance, frequently updating their recommendations. Whether they 'Maintain', 'Raise' or 'Lower' their stance, it reflects their reaction to recent developments related to Fiserv. This information offers a snapshot of how analysts perceive the current state of the company.</li>
<li>Rating: Analyzing trends, analysts offer qualitative evaluations, ranging from 'Outperform' to 'Underperform'. These ratings convey expectations for the relative performance of Fiserv compared to the broader market.</li>
<li>Price Targets: Understanding forecasts, analysts offer estimates for Fiserv's future value. Examining the current and prior targets provides insight into analysts' changing expectations.</li>
</ul>
Considering these analyst evaluations in conjunction with other financial indicators can offer a comprehensive understanding of Fiserv's market position. Stay informed and make well-informed decisions with our Ratings Table.
<a href="https://www.benzinga.com/quote/FI/analyst-ratings?utm_source=Benzinga Insights">Stay up to date on Fiserv analyst ratings.</a>
<h2>Delving into Fiserv's Background</h2>
Fiserv is a leading provider of core processing and complementary services, such as electronic funds transfer, payment processing, and loan processing, for us banks and credit unions, with a focus on small and midsize banks. Through the merger with First Data in 2019, Fiserv also provides payment processing services for merchants. About 10% of the company's revenue is generated internationally.
<h3>Fiserv: A Financial Overview</h3>
Market Capitalization: Positioned above industry average, the company's market capitalization underscores its superiority in size, indicative of a strong market presence.
Revenue Growth: Fiserv displayed positive results in 3 months. As of 30 September, 2024, the company achieved a solid revenue growth rate of approximately 7.02%. This indicates a notable increase in the company's top-line earnings. In comparison to its industry peers, the company trails behind with a growth rate lower than the average among peers in the Financials sector.
Net Margin: Fiserv's net margin is below industry averages, indicating potential challenges in maintaining strong profitability. With a net margin of 10.81%, the company may face hurdles in effective cost management.
Return on Equity (ROE): Fiserv's ROE lags behind industry averages, suggesting challenges in maximizing returns on equity capital. With an ROE of 2.02%, the company may face hurdles in achieving optimal financial performance.
Return on Assets (ROA): Fiserv's ROA is below industry standards, pointing towards difficulties in efficiently utilizing assets. With an ROA of 0.65%, the company may encounter challenges in delivering satisfactory returns from its assets.
Debt Management: Fiserv's debt-to-equity ratio is below the industry average. With a ratio of 0.92, the company relies less on debt financing, maintaining a healthier balance between debt and equity, which can be viewed positively by investors.
<h2>The Significance of Analyst Ratings Explained</h2>
Analysts are specialists within banking and financial systems that typically report for specific stocks or within defined sectors. These people research company financial statements, sit in conference calls and meetings, and speak with relevant insiders to determine what are known as analyst ratings for stocks. Typically, analysts will rate each stock once a quarter. 
Analysts may supplement their ratings with predictions for metrics like growth estimates, earnings, and revenue, offering investors a more comprehensive outlook. However, investors should be mindful that analysts, like any human, can have subjective perspectives influencing their forecasts.
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This article was generated by Benzinga's automated content engine and reviewed by an editor.

Demystifying Fiserv: Insights From 11 Analyst Reviews

BMO Capital analyst Rufus Hone maintains Fiserv (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/FI#NYSE">FI</a>) with a Outperform and raises the price target from $233 to $260.

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