Fiserv, Inc. Common Stock (FISV)vsMicrosoft Corporation (MSFT)
FISV
Fiserv, Inc. Common Stock
$56.64
+0.53%
TECHNOLOGY · Cap: $30.30B
MSFT
Microsoft Corporation
$371.04
-0.46%
TECHNOLOGY · Cap: $2.85T
Smart Verdict
WallStSmart Research — data-driven comparison
MSFT leads profitability with a 39.0% profit margin vs 0.0%. FISV appears more attractively valued with a PEG of 0.93. MSFT earns a higher WallStSmart Score of 74/100 (B).
FISV
Hold46
out of 100
Grade: D+
MSFT
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for FISV.
Margin of Safety
+50.1%
Fair Value
$747.40
Current Price
$371.04
$376.36 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Growing faster than its price suggests
Generating 1.5B in free cash flow
Mega-cap, among the largest globally
Every $100 of equity generates 34 in profit
Keeps 39 of every $100 in revenue as profit
Strong operational efficiency at 47.1%
Earnings expanding 59.8% YoY
16.7% revenue growth
Areas to Watch
0.0% revenue growth
0.0% earnings growth
ROE of 0.0% — below average capital efficiency
0.0% margin — thin
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : FISV
The strongest argument for FISV centers on P/E Ratio, PEG Ratio, Free Cash Flow. PEG of 0.93 suggests the stock is reasonably priced for its growth.
Bull Case : MSFT
The strongest argument for MSFT centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 39.0% and operating margin at 47.1%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : FISV
The primary concerns for FISV are Revenue Growth, EPS Growth, Return on Equity.
Bear Case : MSFT
No major red flags identified for MSFT, but monitor valuation.
Key Dynamics to Monitor
FISV profiles as a value stock while MSFT is a growth play — different risk/reward profiles.
MSFT is growing revenue faster at 16.7% — sustainability is the question.
MSFT generates stronger free cash flow (5.9B), providing more financial flexibility.
Monitor SOFTWARE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MSFT scores higher overall (74/100 vs 46/100), backed by strong 39.0% margins and 16.7% revenue growth. Both earn "Strong Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fiserv, Inc. Common Stock
TECHNOLOGY · SOFTWARE · USA
Fiserv, Inc. is an American multinational company headquartered in Brookfield, Wisconsin that provides financial technology and financial services. The company's clients include banks, thrifts, credit unions, securities broker dealers, leasing and finance companies, and retailers.
Microsoft Corporation
TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA
Microsoft Corporation is an American multinational technology company which produces computer software, consumer electronics, personal computers, and related services. Its best known software products are the Microsoft Windows line of operating systems, the Microsoft Office suite, and the Internet Explorer and Edge web browsers. Its flagship hardware products are the Xbox video game consoles and the Microsoft Surface lineup of touchscreen personal computers. Microsoft ranked No. 21 in the 2020 Fortune 500 rankings of the largest United States corporations by total revenue; it was the world's largest software maker by revenue as of 2016. It is considered one of the Big Five companies in the U.S. information technology industry, along with Google, Apple, Amazon, and Facebook.
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