FI vs FIS Stock Comparison: AI Score, Valuation, Performance and Upside
Fiserv and FIS are the two largest US financial technology companies serving banks and financial institutions, but with increasingly different strategic focuses. Fiserv emphasizes merchant acquiring (Clover, Carat) alongside bank processing. FIS, after divesting Worldpay, focuses on banking software and capital markets technology. Both have highly recurring, contract-driven revenue from financial institution clients.
FI vs FIS is the bank processing and merchant acquiring dual-platform compounder with Clover SMB growth (Fiserv) versus the banking software and capital markets technology specialist refocused after Worldpay divestiture (FIS) — Fiserv's Clover growth provides a more compelling revenue driver; FIS's capital markets differentiation is more unique.
FI and FIS are closely matched — they split the tracked metrics evenly.
Human Wall Street analysts' price targets, typically implying a ~12-month view — a separate signal from this site's own AI Prediction Signal further down the page, which is a 5-/30-day machine-learning forecast based on price history alone.
- prefer Fiserv's dual platform of bank processing and Clover merchant acquiring providing two complementary growth vectors
- value Clover SMB merchant acquiring as a fast-growing software-attach business with high recurring revenue from active merchants
- want financial technology exposure with consistent free cash flow generation and disciplined share buybacks from First Data synergies
- are comfortable with Square/Block and Stripe competition in SMB merchant acquiring and slow core banking new client growth
- prefer a banking software and capital markets technology specialist serving large institutions with differentiated solutions Fiserv cannot easily replicate
- value FIS's strategic refocus post-Worldpay divestiture creating a cleaner, higher-margin software business without merchant acquiring complexity
- want exposure to core banking modernization and capital markets technology spend as large banks upgrade legacy systems
- are comfortable with slower organic growth than Fiserv's Clover and the continued investor skepticism from the Worldpay capital allocation loss
| Metric | FI | FIS |
|---|---|---|
| AI scorei | N/A | 27.4 |
| AI ranki | #4828 | #2355 |
| Latest closei | N/A | $29.76 |
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | FI | FIS |
|---|---|---|
| 1Y ago | N/A | $4.6K (-54.0%) started 2025-11-05 |
| 5Y ago | N/A | $3.09K (-69.1%) started 2021-11-08 |
| 10Y ago | N/A | $5.25K (-47.5%) started 2016-11-07 |
Hypothetical — past performance does not guarantee future results.
| Metric | FI | FIS |
|---|---|---|
| Market capi | N/A | $21.37B |
| Trailing P/Ei | N/A | 6.37 |
| Forward P/Ei | N/A | 6.18 |
| Price/Salesi | 1.68 | N/A |
| EV/Revenuei | N/A | 3.43 |
| Analyst targeti | N/A | $50.35 |
| Target upsidei | N/A | +21.50% |
| Metric | FI | FIS |
|---|---|---|
| Revenue growthi | N/A | 29.10% |
| Earnings growthi | N/A | 3040.60% |
| EPS growthi | N/A | +3040.60% |
| FCF margini | N/A | +21.75% |
| Operating margini | N/A | 20.67% |
| Profit margini | N/A | 27.65% |
| ROIC proxyi | N/A | 22.35% |
| Return on equityi | N/A | 22.35% |
| Dividend yieldi | N/A | 4.25% |
| Payout ratioi | N/A | 25.81% |
| Dividend growth streaki | N/A | No increase yet |
| Betai | 0.27 | 0.81 |
| Debt/equityi | N/A | 132.51 |
| Current ratioi | N/A | 0.54 |
| Quick ratioi | N/A | 0.38 |
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
| Period | Metric | FI | FIS |
|---|---|---|---|
| 1Y | Growthi | N/A | -54.04% |
| CAGRi | N/A | -54.11% | |
| Volatilityi | N/A | 39.19% | |
| Sharpe ratioi | N/A | -1.93 | |
| Sortino ratioi | N/A | -2.27 | |
| Max drawdowni | N/A | 55.94% | |
| Current drawdowni | N/A | 55.94% | |
| Avg drawdowni | N/A | 28.78% | |
| Ulcer Indexi | N/A | 32.84% | |
| Max daily dropi | N/A | 20.17% | |
| Max wkly dropi | N/A | 20.70% | |
| 5Y | Growthi | N/A | -71.74% |
| CAGRi | N/A | -22.37% | |
| Volatilityi | N/A | 35.11% | |
| Sharpe ratioi | N/A | -0.67 | |
| Sortino ratioi | N/A | -0.84 | |
| Max drawdowni | N/A | 73.46% | |
| Current drawdowni | N/A | 73.46% | |
| Avg drawdowni | N/A | 38.84% | |
| Ulcer Indexi | N/A | 41.92% | |
| Max daily dropi | N/A | 28.05% | |
| Max wkly dropi | N/A | 31.17% | |
| 10Y | Growthi | N/A | -55.07% |
| CAGRi | N/A | -7.69% | |
| Volatilityi | N/A | 31.18% | |
| Sharpe ratioi | N/A | -0.24 | |
| Sortino ratioi | N/A | -0.31 | |
| Max drawdowni | N/A | 79.05% | |
| Current drawdowni | N/A | 79.05% | |
| Avg drawdowni | N/A | 28.62% | |
| Ulcer Indexi | N/A | 38.06% | |
| Max daily dropi | N/A | 28.05% | |
| Max wkly dropi | N/A | 31.17% |
| Category | FI | FIS |
|---|---|---|
| Company | Fiserv, Inc. | Fidelity National Information Services, Inc. |
| Sector | Technology | Technology |
| Industry | N/A | Information Technology Services |
| Core business | Fiserv is a leading financial technology company providing account processing, digital banking, and payments to banks, credit unions, and merchants. Its Clover point-of-sale and merchant acquiring business is one of the fastest-growing small business merchant platforms. Carat serves large enterprise merchants. First Data (acquired 2019) integrated merchant acquiring with Fiserv's bank processing to create an end-to-end commerce platform. Fiserv serves 10,000+ financial institutions with core banking and payment solutions. | FIS is a leading global financial technology company providing banking software, payment solutions, and capital markets technology to banks, capital markets firms, and merchants worldwide. FIS's core banking platform (core processing for large US and international banks) and capital markets solutions differentiate it from Fiserv's focus on community banks. FIS sold the Worldpay merchant acquiring business (previously acquired for $34B) at a significant write-down, refocusing on its banking and capital markets software businesses. |
| Investor focus | Investors track Clover merchant acquiring volume and active merchant count, organic revenue growth, operating margin improvement from First Data integration synergies, and capital allocation between debt paydown and buybacks. | Investors track banking solutions organic growth, capital markets solutions growth, operating margin recovery after Worldpay divestiture, and FIS's strategic refocus on higher-growth software and technology solutions for large banks. |
- Clover small business merchant platform has grown into one of the largest US SMB merchant acquiring networks with high software attach rates generating recurring SaaS-like revenue
- Bank processing installed base of 10,000+ financial institutions provides highly predictable, contract-driven recurring revenue from core banking clients
- First Data integration synergies drove significant margin improvement, and Fiserv consistently generates substantial free cash flow for buybacks
- Capital markets technology serving investment banks, asset managers, and exchanges is a differentiated market that Fiserv does not serve at scale
- Large bank core processing relationships provide very high switching-cost, multi-year contract revenue with leading US and international financial institutions
- Worldpay divestiture refocuses FIS on higher-margin banking and capital markets software rather than merchant acquiring where competition is more intense
- Competition from Square (Block), Toast, and Stripe in merchant acquiring — Clover faces intense competition in the SMB POS market
- Core bank processing is a slow-growth market — growth depends on winning new clients from Jack Henry or FIS, which occurs slowly
- Valuation requires consistent execution on Clover growth and margin improvement — any slowdown in SMB commerce volume impacts results
- Worldpay acquisition was a capital destruction event — FIS acquired Worldpay for $34B and divested at significant loss, impacting investor confidence in FIS capital allocation
- Banking software market growth is slower than merchant payments growth — FIS's pure banking/capital markets focus may grow more slowly than Fiserv's Clover-driven approach
- Core banking system replacements (FIS Horizon, FIS Modern Banking Platform) require convincing large banks to undergo expensive, multi-year migrations from legacy systems
Compare more than two at a time
This page is a fixed writeup on FI and FIS. Our comparison engine is the interactive version: load up to five tickers, switch timeframes, and get the correlation, drawdown, and overlap analysis that a static page can't show.
Add three more names beside FI and FIS, mixing stocks and ETFs in the same table — useful when the real question is which of a whole peer group to own.
AI score, forward P/E, analyst target upside, operating margin, and revenue growth are scored head-to-head, with a running tally of which ticker leads on how many metrics.
Volatility, Sharpe and Sortino ratios, maximum, current, and average drawdown, Ulcer Index, and worst single-day and single-week drops across every timeframe.
Pairwise daily-return correlation for every combination, so you can see whether two holdings actually diversify each other or just move together.
A scatter plot of forward P/E against return on equity, plus drawdown and 30-day rolling volatility charts, to separate what is cheap from what is merely beaten down.
For ETFs, a top-holdings comparison that exposes hidden overlap between funds. Every comparison exports to CSV for your own spreadsheet work.
Two comparisons a week are free without an account. A 14-day trial removes the limit and adds AI price forecasts, stock rankings, saved watchlists, and the intrinsic value calculator — no credit card required.
Want deeper AI forecasts?
This comparison page is public and free forever. Subscribers can unlock saved watchlists, full AI rankings, detailed forecasts, and interactive analysis tools.
Full valuation workup with AI Score, Monte Carlo forecast, and bull/bear case — free preview, premium data from $3.99.