FISV Should I Buy
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Fiserv Inc is not a good buy at the moment for a beginner investor with a long-term strategy and $50,000-$100,000 to invest. The stock is experiencing stagnant growth, rising costs, and declining earnings, with no strong positive catalysts or technical signals to suggest immediate upside potential. Analysts have downgraded the stock, and sentiment remains neutral to negative.
The stock's technical indicators are not favorable. The MACD is positive but expanding slowly, RSI is neutral at 49, and moving averages are bearish (SMA_200 > SMA_20 > SMA_5). The stock is trading near its pivot level of 61.115, with resistance at 63.56 and support at 58.67. Overall, the trend suggests a lack of bullish momentum.
The company remains an integral part of the financial ecosystem due to its broad distribution and interconnectivity across business lines, as noted by analysts.
Fiserv's Q4 financials show stagnant revenue growth (+1% YoY) and declining EPS (-7.93% YoY). The stock has dropped 74% over the past year due to missed expectations, and analysts have broadly downgraded the stock with reduced price targets. Rising costs (+5.4%) and declining gross margins (-6.98%) further weigh on the company's outlook.
In Q4 2025, revenue increased by 1.13% YoY to $5.28 billion, but net income dropped by 13.54% YoY to $811 million. EPS fell by 7.93% to 1.51, and gross margin declined by 6.98% to 57.08. These figures indicate stagnant growth and rising cost pressures.
Analysts have downgraded the stock to Neutral across the board, with price targets lowered significantly (e.g., Morgan Stanley reduced its target from $81 to $64). Analysts cite mixed Q4 results, stagnant growth, and a long road to recovery as reasons for their cautious stance.
