FI Stock Risk & Deep Value Analysis
FI
Technology • Information Technology Services
DVR Score
out of 10
What You Need to Know About FI Stock
We analyzed FI using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran FI through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Our risk assessment: Moderate-Aggressive. Here's what we found.
FI Risk Analysis & Red Flags
Risk Matrix
Overall
Moderate-Aggressive
Financial
High
Market
High
Competitive
Medium
Execution
Medium
Regulatory
Low
Upcoming Risk Events
- 📅
Global economic recession impacting discretionary spending
- 📅
Geopolitical instability affecting travel routes or demand
- 📅
Unexpected health crises or new variants disrupting travel
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What Does FI (FI) Do?
Market Cap
$619.60M
Sector
Technology
Industry
Information Technology Services
Employees
38,000
Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The company provides merchant acquiring and digital commerce services, mobile payment services, security and fraud protection solutions, stored-value solutions, software-as-a-service, and pay-by-bank solutions, as well as Clover, a point-of-sale and business management platform through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, independent sales organizations, financial institutions, and other strategic partners. It also offers debit card processing services, debit network services, security and fraud protection products, bill payment; person-to-person payments, account-to-account transfers, credit card processing services, prepaid card processing services, card production services, print services, government payment processing, student loan processing, and customer loan and deposit account processing; digital banking; financial and risk management; and professional services and consulting, check processing, automated clearing house, and real-time payments. It serves large enterprise, small business, banks, credit union, large financial institution, fintech, public sectors, and software providers. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.
Visit FI WebsiteInvestment Thesis
Norwegian Cruise Line Holdings is a strong recovery play in the global cruise industry, demonstrating robust operational and financial improvements post-pandemic. While not a 10x growth candidate due to the mature nature of the market and high debt, consistent execution on debt reduction, yield management, and capacity optimization should drive continued share price appreciation as the company returns to full health and profitability.
Is FI Stock Undervalued?
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FI Price Targets & Strategy
12-Month Target
$65.00
Bull Case
$77.00
Bear Case
$47.60
Valuation Basis
Based on a 27x forward P/E applied to projected FY26 Adjusted EPS of $2.38.
Entry Strategy
Consider dollar-cost averaging in the current range of $55-$58, targeting dips for a favorable risk/reward. No specific technical levels provided, so current price is reference.
Exit Strategy
Consider taking partial profits around $65.00, with a stop-loss order placed if the stock breaks below recent support (around $50) or if macroeconomic conditions deteriorate.
Portfolio Allocation
5% for moderate risk tolerance
Price Targets & Strategy
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Is FI Financially Healthy?
Valuation
P/E Ratio
8.53
Profitability
Net Margin
19.81%
Return on Equity
12.75%
EPS
$0.96
Balance Sheet
Current Ratio
0.87
Quick Ratio
0.87
Debt/Equity
0.19
Other
Beta (Volatility)
0.68
Dividend Yield
4.20%
Does FI Have a Competitive Moat?
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🛡️ Narrow
Moat Trend
Stable
Moat Sources
2 Identified
The moat is primarily driven by strong brand recognition and the high capital intensity required to operate a global cruise line. This creates barriers to entry and fosters customer loyalty. However, it remains susceptible to macroeconomic downturns and external shocks.
Moat Erosion Risks
- •Global economic recession reducing discretionary travel spending
- •Geopolitical events impacting travel safety and demand
- •Increased regulatory scrutiny or environmental costs
FI Competitive Moat Analysis
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FI Market Intelligence
Sentiment & Insider Activity
Social Sentiment
Neutral (No specific data provided)
Institutional Sentiment
Neutral (No analyst consensus or target changes provided)
Insider Activity (Form 4)
No Form 4 filings or CEO/CFO activity reported in the last 90 days.
Options Flow
Normal options activity (No specific data provided)
Earnings Intelligence
Next Earnings
Estimated late April / early May 2026 (for Q1 2026)
Surprise Probability
Medium
Historical Earnings Pattern
No specific historical pattern is provided, but companies in recovery typically see stock price sensitivity to beats/misses and forward guidance.
Key Metrics to Watch
Competitive Position
Top Competitor
Royal Caribbean Cruises Ltd. (RCL)
Market Share Trend
Stable (No specific data provided, but generally established players maintain positions)
Valuation vs Peers
No sector medians or peer valuation data provided for direct comparison, but NCLH's forward P/E of ~23.8x is reasonable for a company in a cyclical recovery.
Competitive Advantages
- •Strong brand portfolio (Norwegian Cruise Line, Oceania Cruises, Regent Seven Seas Cruises)
- •Diversified offerings across price points and experiences
- •Established global itineraries and operational scale
Market Intelligence
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What Could Drive FI Stock Higher?
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (estimated late April/early May 2026)
- •Continued positive booking trends and yield management success
Medium-Term (6-18 months)
- •Further debt reduction and balance sheet de-leveraging
- •Potential new ship deliveries adding capacity and revenue
Long-Term (18+ months)
- •Full normalization of global travel and sustained demand for cruise experiences
- •Market leadership in specific luxury or premium cruise segments
Catalysts & Growth Drivers
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What's the Bull Case for FI?
- ✓
Consistent reduction in net leverage ratio towards sector averages
- ✓
Sustained improvement in booking volumes and per diem yields
- ✓
Global macroeconomic indicators and consumer discretionary spending trends
Bull Case Analysis
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Competing with FI
See how FI compares to related companies
| Company | Market Cap | DVR Score | P/E | Revenue | Profit Margin | Rev Growth | |
|---|---|---|---|---|---|---|---|
FI FI | $619.6M | 3.1 | 8.5 | $64.1M | 19.8% | 0.0% | |
Apple Inc AAPL | $3.9T | 1.5 | 33.2 | $391.0B | 27.0% | 10.1% | Compare → |
Alphabet Inc GOOGL | $4.7T | 1.0 | 29.1 | $402.8B | 37.9% | 17.4% | Compare → |
Meta Platforms Inc META | — | 5.1 | 15.7 | — | 30.1% | 22.2% | Compare → |
Microsoft Corp MSFT | — | 0.5 | — | — | — | — | Compare → |
NVIDIA Corp NVDA | $4.4T | 5.3 | 38.5 | $215.9B | 55.6% | 65.0% | Compare → |
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FAQ
What is the DVR Score for FI (FI)?
As of March 24, 2026, FI has a DVR Score of 3.1 out of 10, placing it in the "Risk Trap" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of FI?
FI's market capitalization is approximately $619.6M. The company operates in the Technology sector within the Information Technology Services industry.
What ticker symbol does FI use?
FI is the ticker symbol for FI. The company trades on the NYQ.
What is the risk level for FI stock?
Our analysis rates FI's overall risk as Moderate-Aggressive. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of FI?
FI currently has a price-to-earnings (P/E) ratio of 8.5. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Does FI pay a dividend?
Yes, FI pays a dividend with a current yield of approximately 4.20%.
Is FI's revenue growing?
FI has reported revenue growth of 0.0%. Revenue has been declining, which warrants closer examination.
Is FI stock profitable?
FI has a profit margin of 19.8%. The company is profitable but margins are modest.
How often is the FI DVR analysis updated?
Our AI-powered analysis of FI is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on March 24, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided on this page for FI (FI) should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research, consider your financial situation, and consult with a qualified financial advisor before making any investment decisions.