Stock Ratings / Consumer Discretionary / FISV / earnings

CPAY (65) TCOM (53) GPN (61) BR (77) ⌘ Pro Terminal →

Fiserv Inc. (FISV) Next Earnings Date & Expected ±5.6% Move

$48.48 +1.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Fiserv Inc. (FISV) carries a Roarable Rating of D+ (Sell) with 57/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $25.78B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-0.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FISV)Realized 20D OHLCV Swing Band: ±5.6%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±5.6% Swing Band

±$2.71 Expected Swing

MODEL EARNINGS SETUP GAUGE

FISV Quantitative Pre-Earnings Setup: 57/100

Trailing EPS: $6.54 • YoY Revenue Growth: 3.6%

Model Bullish Setup (57/100)Model Risk Weight (43/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$21.19B	$3.48B	$4.30B	52%
FY 2024	2024-12-31	$20.46B	$3.13B	$5.06B	52%
FY 2023	2023-12-31	$19.09B	$3.07B	$4.30B	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FISV)

✓Walkthrough of FISV's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

FISV // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -22.81%▼ DESCENDING CHANNEL

2026-11-01O $47.86H $48.48L $47.86C $48.48VOL 6.40M

RES: $53.25SUP: $40.88SMA50: $48.56SMA200: $54.62

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FISV Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FISV Butterfly Map → + Track FISV →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

-6.9%/yr Implied 5Y Growth

vs. +3.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FISV today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FISV. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FISV today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FISV)

Consumer Discretionary Rank #208 of 304 ⚔️ CPAY vs FISV Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (FISV vs. CPAY, TCOM, GPN, BR)

Industry: Business Services (33 Tracked Issuers)

Across 304 tracked Consumer Discretionary securities in the Roarable RQD universe, Fiserv Inc. (FISV) ranks #208 by composite RQD confidence (57/100, grade D+) and #78 by equity capitalization ($25.78B). Within this direct 5-issuer industry benchmark cohort, TCOM leads on earnings valuation at 5.1x trailing P/E, while CPAY leads on capital efficiency and profitability with 23.2% ROIC and — gross margin. BR currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) compared with FISV at 57/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FISV ACTIVE Fiserv Inc.	D+	57/100	7.4x	—	9.6%	+1.30%	$25.78B	Benchmark Subject
CPAY Corpay Inc.	C	65/100	24.4x	—	23.2%	+0.53%	$26.13B	/cpay-vs-fisv →
TCOM Trip.com Group Limited	D+	53/100	5.1x	80.6%	8.8%	-0.03%	$24.28B	/tcom-vs-fisv →
GPN Global Payments Inc.	C-	61/100	16.2x	72.6%	5.1%	+2.60%	$22.68B	/gpn-vs-fisv →
BR Broadridge Financial Solutions Inc.	B+	77/100	24.0x	31.0%	18.1%	+0.66%	$20.11B	/br-vs-fisv →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000798354

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Fiserv Inc. (FISV) reported GAAP revenue of $21.19B (+3.6% vs. FY2024 revenue of $20.46B , and +11.0% cumulative change since FY2023) , GAAP net income of $3.48B, operating cash flow of $6.06B, and free cash flow of $4.30B (-15.1% YoY). On the balance sheet, FISV closed FY2025 with $80.13B in total assets against $24.45B in total debt (Altman Z-Score: 1.27, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$21.19B	$3.48B	$6.06B	$4.30B	$80.13B	$24.45B
FY2024 (FY)	2024-12-31	$20.46B	$3.13B	$6.63B	$5.06B	$77.18B	$22.27B
FY2023 (FY)	2023-12-31	$19.09B	$3.07B	$5.16B	$4.30B	$22.91B	$5.36B

3. FISV Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FISV stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Fiserv Inc. (NASDAQ: FISV) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 57/100 at a spot price of $48.48 (+1.30% 1D, market cap $25.78B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 12/20, FRED Macro Regime Fit 11/20, and SEC Balance-Sheet Forensics 17/20. Across 304 tracked Consumer Discretionary issuers, FISV ranks #208 in composite RQD confidence.

How does FISV compare to CPAY and TCOM in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), FISV carries a Roarable D+ (57/100 RQD), trailing P/E of 7.4x, gross margin of —, and ROIC of 9.6%. By comparison, CPAY (Corpay Inc.) holds a C grade (65/100 RQD, P/E 24.4x, ROIC 23.2%, cap $26.13B) and TCOM (Trip.com Group Limited) posts a D+ grade (53/100 RQD, P/E 5.1x, ROIC 8.8%, cap $24.28B). Among the 5-stock peer group, TCOM leads on earnings multiple (5.1x) while CPAY leads on capital efficiency (23.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FISV?

Per FISV's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000798354), Fiserv Inc. generated $21.19B in revenue (+3.6% YoY), $3.48B in net income, and $4.30B in free cash flow against $80.13B in total assets and $24.45B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FISV trading relative to its 50-day, 200-day, and 52-week technical levels?

FISV last traded at $48.48 (+1.30% on volume of 6,396,004 shares), positioning the stock -0.16% below its 50-day simple moving average ($48.56) and -11.24% below its 200-day simple moving average ($54.62). Across its 52-week range of $43.87 to $70.41, FISV sits at the 17.4% percentile with a 14-day RSI of 51.9 (NEUTRAL RANGE) and an implied next-earnings move of ±5.6% ($45.77 to $51.19).

FISV Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FISV's next earnings date?

Based on SEC filing cadence, Fiserv Inc. (FISV)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FISV stock expected to move on earnings?

Volatility modeling currently projects a ±5.6% event move for FISV, spanning a range between $45.77 and $51.19.

Direct Sub-Reports: FISV RQD Cockpit FISV 12M Forecast FISV Earnings & Move FISV Dividends & DRIP FISV Insiders & 13F FISV Whale Options FISV Profit Sankey FISV News & Why