Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

Curry Pelot

Dale Jensen

Steve Cotton

Fiserv, Inc.

VCI Global Limited provides consulting services in Malaysia, China, Singapore, and the United States. It offers business strategy consultancy, including listing solutions, corporate finance, legal, investors relations, and boardroom strategies consultancy. The company also technology consultancy, including software solutions that comprise artificial intelligence, analytics, and robotics, as well as a range of blockchain technology solutions. It delivers its services to small-medium enterprises and government-linked agencies, as well as to publicly traded conglomerates across various industries. The company was founded in 2013 and is based in Kuala Lumpur, Malaysia.

VCI Global Limited

Embedded Finance Review provides insights and analysis on the embedded finance sector, covering product launches and partnerships between financial services and non-financial brands. Self-described analysis includes updates from various players in embedded finance.

Embedded Finance Review

Future FinTech Group Inc. is a financial service and financial technology company that provides online shopping platforms, supply chain financing services, and blockchain-based technology applications.

Metric
Company Name	Fiserv, Inc.	VCI Global Limited	Embedded Finance Review	Future FinTech Group Inc.
Symbol	FI	VCIG
MSH ID	COM:FISERV	CO:V-CAPITAL	COM:EMBEDDEDFINANCEREVIEW	COM:FTFT
Market	STOCKS	STOCKS	PRIVATE	PRIVATE
Sector	Technology	Industrials	Financial Services & Finance	Financial Services & Finance
Industry	Information Technology Services	Consulting Services	Finance	Financial Technology
Country	US	MY	GB	US
Stage
Employee Count	42K	102
Website	fiserv.com	v-capital.co	embeddedfinancereview.com	ftft.com
LinkedIn
Founders

Metric
Market Cap	87.12B	30.36M
Enterprise Value
Monthly Web Traffic	432.21K
Web Traffic Growth	0.04
Valuation
Raised Capital

Metric
Revenue	19.09B	20.10M
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.43B	16.63M
EBITDA	7.78B	8.03M
Operating Income	4.85B	7.22M
Net Income	3.07B	8.07M
EPS	5.02	0.22
Diluted EPS	4.98	0.22
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.67	0.78
Operating Profit Margin	0.28	0.44
EBITDA Margin	0.41	0.40
Net Profit Margin	0.17	0.61
Return on Equity	0.12	0.95
Return on Assets	0.04	0.52
Return on Capital Employed	0.10	0.46

COM:FISERV

Fiserv

Last Close

217.41

22/11 21:00

Market Cap

87.12B

Beta: -

Volume Today

2.88M

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	29.54	6.51
P/B Ratio	2.98	5.42
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	5.74	5.10
EV Multiple	10.66	13.60

Metric
Days Sales Outstanding	67.17	159.49
Days Payables Outstanding	167.82	6.63
Days Inventory Outstanding	27.92	958.20
Operating Cycle	95.06	1.07K
Cash Conversion Cycle	67.30	1.05K
Asset Turnover	0.21	0.85

Metric
Operating Cash Flow	5.30B	1.19M
Free Cash Flow	3.91B	719.21K
Cash Flow to Debt	0.23	6.37
Operating Cash Flow/Sales	0.27	0.20
Free Cash Flow Yield	0.04	-0.02

Metric
Cash & Equivalents	1.20B	1.05M
Accounts Receivable	23M	-3.24M
Inventory		-2.44M
Goodwill	37.20B
Debt to Capitalization	0.48	0.07
Debt to Assets	0.28	0.04
Current Ratio	1.07	1.49
Quick Ratio	1.06	7.80

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02
R&D to Revenue
SG&A to Revenue		0.31