(FIS) Fidelity National - Overview
Stock: Banking, Payments, Trading, Risk
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.29% |
| Yield on Cost 5y | 1.35% |
| Yield CAGR 5y | 0.63% |
| Payout Consistency | 84.9% |
| Payout Ratio | 39.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 44.1% |
| Relative Tail Risk | -3.71% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.38 |
| Alpha | -47.25 |
| Character TTM | |
|---|---|
| Beta | 0.669 |
| Beta Downside | 0.496 |
| Drawdowns 3y | |
|---|---|
| Max DD | 42.61% |
| CAGR/Max DD | -0.22 |
Description: FIS Fidelity National January 28, 2026
Fidelity National Information Services, Inc. (FIS) delivers a broad suite of technology solutions to banks, capital-market firms, and other financial institutions worldwide. Its offerings span core-processing platforms, digital-banking channels, fraud-risk tools, card-payment networks, wealth-and-retirement services, and treasury-risk solutions, organized under Banking Solutions, Capital Market Solutions, and Corporate & Other segments.
In FY 2025 the company reported $13.2 billion of revenue, up 5 % year-over-year, with an operating margin of 15 % and free cash flow of $2.1 billion, reflecting continued demand for its cloud-based processing suite. The Q4 2025 earnings beat consensus by 3 % on the back of a 7 % increase in transaction-processing volumes, driven by higher card-payment activity and new fintech partnerships. FIS’s balance sheet remains strong, with a net debt-to-EBITDA ratio of 1.6×, well below the industry median of 2.4×.
Key macro drivers include the accelerating shift to digital payments-global transaction volume is projected to grow at a 10 % CAGR through 2028-and a volatile interest-rate environment that boosts demand for treasury-risk and loan-origination automation. Competitive pressure from pure-play fintech firms is offset by FIS’s scale and its expanding ecosystem of APIs, which has helped it retain over 70 % of its top-tier banking customers.
For a deeper quantitative assessment, consult ValueRay’s proprietary valuation models to explore how these trends may translate into future price targets.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 152.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.06 > 0.02 and ΔFCF/TA -28.97 > 1.0 |
| NWC/Revenue: -32.77% < 20% (prev 9.24%; Δ -42.01% < -1%) |
| CFO/TA 0.07 > 3% & CFO 2.16b > Net Income 152.0m |
| Net Debt (12.50b) to EBITDA (3.54b): 3.53 < 3 |
| Current Ratio: 0.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (525.0m) vs 12m ago -4.20% < -2% |
| Gross Margin: 37.94% > 18% (prev 0.38%; Δ 3756 % > 0.5%) |
| Asset Turnover: 31.70% > 50% (prev 29.23%; Δ 2.47% > 0%) |
| Interest Coverage Ratio: 4.84 > 6 (EBITDA TTM 3.54b / Interest Expense TTM 347.0m) |
Altman Z'' -3.92
| A: -0.11 (Total Current Assets 3.97b - Total Current Liabilities 7.47b) / Total Assets 33.04b |
| B: -0.70 (Retained Earnings -23.02b / Total Assets 33.04b) |
| C: 0.05 (EBIT TTM 1.68b / Avg Total Assets 33.69b) |
| D: -1.23 (Book Value of Equity -23.51b / Total Liabilities 19.18b) |
| Altman-Z'' Score: -3.92 = D |
Beneish M -2.94
| DSRI: 1.07 (Receivables 2.57b/2.25b, Revenue 10.68b/10.04b) |
| GMI: 1.00 (GM 37.94% / 37.85%) |
| AQI: 1.07 (AQ_t 0.86 / AQ_t-1 0.81) |
| SGI: 1.06 (Revenue 10.68b / 10.04b) |
| TATA: -0.06 (NI 152.0m - CFO 2.16b) / TA 33.04b) |
| Beneish M-Score: -2.94 (Cap -4..+1) = A |
What is the price of FIS shares?
Over the past week, the price has changed by -6.01%, over one month by -22.55%, over three months by -19.22% and over the past year by -35.90%.
Is FIS a buy, sell or hold?
- StrongBuy: 10
- Buy: 6
- Hold: 11
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the FIS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 78.7 | 51.5% |
| Analysts Target Price | 78.7 | 51.5% |
| ValueRay Target Price | 48.9 | -5.9% |
FIS Fundamental Data Overview February 05, 2026
P/E Forward = 8.7719
P/S = 2.543
P/B = 2.0645
P/EG = 0.4431
Revenue TTM = 10.68b USD
EBIT TTM = 1.68b USD
EBITDA TTM = 3.54b USD
Long Term Debt = 8.90b USD (from longTermDebt, last quarter)
Short Term Debt = 4.17b USD (from shortTermDebt, last quarter)
Debt = 13.07b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.50b USD (from netDebt column, last quarter)
Enterprise Value = 39.11b USD (26.61b + Debt 13.07b - CCE 571.0m)
Interest Coverage Ratio = 4.84 (Ebit TTM 1.68b / Interest Expense TTM 347.0m)
EV/FCF = 19.52x (Enterprise Value 39.11b / FCF TTM 2.00b)
FCF Yield = 5.12% (FCF TTM 2.00b / Enterprise Value 39.11b)
FCF Margin = 18.75% (FCF TTM 2.00b / Revenue TTM 10.68b)
Net Margin = 1.42% (Net Income TTM 152.0m / Revenue TTM 10.68b)
Gross Margin = 37.94% ((Revenue TTM 10.68b - Cost of Revenue TTM 6.63b) / Revenue TTM)
Gross Margin QoQ = 42.45% (prev 36.39%)
Tobins Q-Ratio = 1.18 (Enterprise Value 39.11b / Total Assets 33.04b)
Interest Expense / Debt = 0.69% (Interest Expense 90.0m / Debt 13.07b)
Taxrate = 23.20% (87.0m / 375.0m)
NOPAT = 1.29b (EBIT 1.68b * (1 - 23.20%))
Current Ratio = 0.53 (Total Current Assets 3.97b / Total Current Liabilities 7.47b)
Debt / Equity = 0.94 (Debt 13.07b / totalStockholderEquity, last quarter 13.86b)
Debt / EBITDA = 3.53 (Net Debt 12.50b / EBITDA 3.54b)
Debt / FCF = 6.24 (Net Debt 12.50b / FCF TTM 2.00b)
Total Stockholder Equity = 14.70b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 152.0m / Total Assets 33.04b)
RoE = 1.03% (Net Income TTM 152.0m / Total Stockholder Equity 14.70b)
RoCE = 7.12% (EBIT 1.68b / Capital Employed (Equity 14.70b + L.T.Debt 8.90b))
RoIC = 4.78% (NOPAT 1.29b / Invested Capital 27.00b)
WACC = 5.79% (E(26.61b)/V(39.68b) * Re(8.38%) + D(13.07b)/V(39.68b) * Rd(0.69%) * (1-Tc(0.23)))
Discount Rate = 8.38% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.75%
[DCF Debug] Terminal Value 83.24% ; FCFF base≈6.02b ; Y1≈4.63b ; Y5≈2.90b
Fair Price DCF = 148.9 (EV 89.61b - Net Debt 12.50b = Equity 77.11b / Shares 517.9m; r=5.90% [WACC]; 5y FCF grow -27.45% → 2.90% )
EPS Correlation: -53.95 | EPS CAGR: -47.91% | SUE: -4.0 | # QB: 0
Revenue Correlation: -47.02 | Revenue CAGR: -5.80% | SUE: 0.67 | # QB: 0
EPS next Quarter (2026-03-31): EPS=1.35 | Chg30d=-0.020 | Revisions Net=+0 | Analysts=4
EPS next Year (2026-12-31): EPS=6.25 | Chg30d=-0.077 | Revisions Net=-2 | Growth EPS=+8.3% | Growth Revenue=+27.2%