Fiserv
FISV · Transaction & Payment Processing Services
$49.86
1.9%Block
XYZ · Transaction & Payment Processing Services
$76.46
3.2%The short version
- Block is the larger business, with $24.2B of revenue in fiscal 2025 against $21.2B for Fiserv.
- Fiserv grew revenue faster (3.6%, against 0.3%).
- Fiserv kept more of each dollar of sales as operating profit (27.5% operating margin, against 7.1% operating margin).
- Fiserv turned more of its sales into free cash flow (20.3% FCF margin, against 10.0% FCF margin).
- Fiserv earned a higher return on the capital invested in it (9.0%, against 6.4%).
- Investors pay more for each dollar of Block’s earnings: a P/E of 136.5x against 9.6x for Fiserv.
| Latest fiscal year | FISV · FY25 | XYZ · FY25 |
|---|---|---|
| Size | ||
| Market cap | $26.6B | $46.5B |
| Revenue | $21.2B | $24.2B |
| Free cash flow | $4.3B | $2.4B |
| Net income | $3.5B | $1.3B |
| Growth | ||
| Revenue growth | 3.6% | 0.3% |
| 5-year growth | 7.4% | 20.6% |
| Share count change | −5.7% | −2.1% |
| Profitability | ||
| Gross margin | — | 42.8% |
| Operating margin | 27.5% | 7.1% |
| Net margin | 16.4% | 5.4% |
| FCF margin | 20.3% | 10.0% |
| Return on capital | 9.0% | 6.4% |
| Return on equity | 13.2% | 6.0% |
| Balance sheet | ||
| Net debt | $28.2B | $207M |
| Net debt / EBITDA | 3.2x | 0.1x |
| Dividends and buybacks | $0.0M | $2.3B |
| Valuation & quality | ||
| P/E | 9.6x | 136.5x |
| Piotroski F-score | 6 | 5 |
FY16
FISV $5.5B
XYZ $1.7B
FY17
FISV $5.7B
XYZ $2.2B
FY18
FISV $5.8B
XYZ $3.3B
FY19
FISV $10.2B
XYZ $4.7B
FY20
FISV $14.9B
XYZ $9.5B
FY21
FISV $16.2B
XYZ $17.7B
FY22
FISV $17.7B
XYZ $17.5B
FY23
FISV $19.1B
XYZ $21.9B
FY24
FISV $20.5B
XYZ $24.1B
FY25
FISV $21.2B
XYZ $24.2B
FISV
XYZ
FY16
FISV 26.3%
XYZ −10.0%
FY17
FISV 26.9%
XYZ −2.5%
FY18
FISV 30.1%
XYZ −1.1%
FY19
FISV 15.8%
XYZ 0.6%
FY20
FISV 12.5%
XYZ −0.2%
FY21
FISV 14.1%
XYZ 0.9%
FY22
FISV 21.1%
XYZ −3.6%
FY23
FISV 26.3%
XYZ −1.3%
FY24
FISV 28.7%
XYZ 3.7%
FY25
FISV 27.5%
XYZ 7.1%
FISV
XYZ
FY16
FISV $1.1B
XYZ −$2.3M
FY17
FISV $1.2B
XYZ $102M
FY18
FISV $1.2B
XYZ $234M
FY19
FISV $2.1B
XYZ $265M
FY20
FISV $3.2B
XYZ $34.7M
FY21
FISV $2.9B
XYZ $714M
FY22
FISV $3.1B
XYZ $5.1M
FY23
FISV $3.8B
XYZ −$50.2M
FY24
FISV $5.1B
XYZ $1.6B
FY25
FISV $4.3B
XYZ $2.4B
FISV
XYZ
FY16
FISV —
XYZ —
FY17
FISV —
XYZ −25.0%
FY18
FISV —
XYZ −4.9%
FY19
FISV —
XYZ 2.6%
FY20
FISV 2.8%
XYZ −1.5%
FY21
FISV 3.4%
XYZ 8.1%
FY22
FISV 5.8%
XYZ −5.3%
FY23
FISV 7.7%
XYZ −1.3%
FY24
FISV 9.7%
XYZ 5.0%
FY25
FISV 9.0%
XYZ 6.4%
FISV
XYZ
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