The bear case is paying more than it’s worth, because it’s a price competitive business with no durable moat. I’ve worked over a decade in banking and have used their products across institutions. Not once did I think they were attractive, especially because I reviewed their financials over the decades and they’ve been destroying their returns on capital for 20 years straight. They’ve been a serial acquirer and they’ve been overpaying for acquisitions. You’ve also got the fact that now, fintech is like a buzzword with financial institutions. Every month I hear about new 3rd parties pop up with software or AI solutions that are being demo’d to see if we can get the same service for less. Companies like Fiserv and Bakerhill, are not cheap whatsoever. Answer from UCACashFlow on reddit.com
Reddit
reddit.com › r/valueinvesting › fiserv: why’s the stock falling and what is the bear case?
r/ValueInvesting on Reddit: Fiserv: why’s the stock falling and what is the bear case?
October 5, 2025 -
I saw FI pointed out by someone on this sub and have since done a bit of DD. As a little bit of background, they are a fintech company with a pretty well established product line with thousands of customers worldwide.
They have good free cash flow, strong fundamentals, and yet the price has been drifting down (with a few big drops) for the past >6 months.
What am I missing? Is this undervalued, or is there some hidden poison in the water? What are we thinking?
The only bear cases I can think of myself are the obvious ones: execution risk at continuing growth, and macro conditions changing, but these also exist for competitors and they haven’t suffered the same way. What gives?
Edit: it seems like the comment consensus is that even if the raw numbers look fine, the product is not good and the company is not well run. Don’t think I’ll be hitching my portfolio to this horse. Thanks all
Top answer 1 of 11
7
The bear case is paying more than it’s worth, because it’s a price competitive business with no durable moat. I’ve worked over a decade in banking and have used their products across institutions. Not once did I think they were attractive, especially because I reviewed their financials over the decades and they’ve been destroying their returns on capital for 20 years straight. They’ve been a serial acquirer and they’ve been overpaying for acquisitions. You’ve also got the fact that now, fintech is like a buzzword with financial institutions. Every month I hear about new 3rd parties pop up with software or AI solutions that are being demo’d to see if we can get the same service for less. Companies like Fiserv and Bakerhill, are not cheap whatsoever.
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They have a lot of competition against Clover (Stripe, Toast, etc.). Their growth has slowed down. That is why the stock has dipped. It corrected from being priced for 10%+ growth to ~5-7% growth.
Yahoo! Finance
finance.yahoo.com › news › fiserv-stock-plummets-42-6-151300228.html
Fiserv Stock Plummets 42% in 6 Months: Should You Play or Let It Go?
August 14, 2025 - Fiserv, Inc.’s FI stock has plummeted 41.8% in the past six months compared with the industry’s 6.4% decline and against the 5.4% rise in the Zacks S&P 500 Composite.
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Forbes
forbes.com › forbes homepage › business › breaking news
Fiserv Stock Crashes 44%—Here’s Why
October 29, 2025 - Fiserv stock plunged 43.9% Wednesday, largely in a morning selloff, after the company cut its full-year outlook and CEO Mike Lyons acknowledged the firm is underperforming.
Reuters
reuters.com › technology › fiserv-cuts-annual-revenue-forecast-merchant-arm-growth-slows-shares-slump-2025-10-29
Fiserv stock sinks 42% as forecast cut, leadership shake-up spook investors | Reuters
October 29, 2025 - Fiserv's shares plummeted nearly 42% on Wednesday and were set for a record single-day drop after the payments software company reported results below estimates and cut its growth forecast for the second consecutive quarter, with analysts calling ...
FinTech Weekly
fintechweekly.com › magazine › articles › fiserv-shares-fall-earnings-miss-leadership-shakeup-fintech
Fiserv Shares Plunge After Earnings Miss and Leadership Shake-Up - FinTech Weekly
October 29, 2025 - Shares of Fiserv plunged to their lowest level in more than five years on Wednesday after the fintech payments firm reported sharply lower-than-expected earnings, downgraded its growth outlook, and unveiled sweeping changes in leadership.
Reddit
reddit.com › r/stocks › what happened to fiserv (fisv)!?
r/stocks on Reddit: What happened to Fiserv (FISV)!?
July 24, 2025 -
I went from $140k to $80k in the last 4 months and just yesterday it was $100k.
I rarely check my stocks but I got on to put find out my numbers as we are looking at buying a house, but man... that feels just brutal.
Anyone have any kind of forecast? Did they just over inflate themselves and it's going back to the price it was years ago?
Top answer 1 of 21
41
I work at a bank and let me tell you, Fiserv is traaaaaash
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CEO that just left was pumping the stock by cutting investment in product to make bottom line look good, most of their products are at best 2nd class already. Just look at any credit union running Fiserv for their platform, it's like taking a trip back in time to 2005. So now the new CEO will need to put cash into shoring up their products to maintain revenue, compressing margins. Markets will hate lowered profits. Since they have under-invested so much, it will take years if ever for them to put out competitive products again because most of the most valuable employees have jumped ship already. I think most of that is probably priced in at this point. I personally thought it would bleed off over the next few years, I wasn't expecting such a quick downswing. At this point, I'm mildly bearish on FI.
Forbes
forbes.com › forbes homepage › money › fintech
The Unspoken Story Behind Fiserv’s Stock Price Decline
November 1, 2025 - The Fiserv Inc. stock suffered a record plunge after the fintech slashed its outlook for full-year earnings and unveiled third-quarter results that confounded Wall Street analysts© 2025 Bloomberg Finance LP
TIKR
tikr.com › blog › why-fiserv-nasdaq-fisv-stock-tanked-65-in-2025
Why Fiserv Stock Tanked 65% In 2025 | TIKR.com
2 days ago - Fiserv is a fintech stock that fell 65% in 2025 as it warned of slowing revenue and earnings growth during the Q3 call.
CNBC
cnbc.com › 2025 › 10 › 29 › fiserv-stock-guidance-earnings.html
Fiserv stock craters 44% for worst day ever after company slashes guidance
October 29, 2025 - Fiserv's stock plummeted 44% Wednesday, closing out its worst day ever after the fintech company cut its earnings outlook and shook up some of its leadership team.
Techbuzz
techbuzz.ai › articles › fiserv-crashes-44-in-worst-day-ever-on-brutal-guidance-cut
Fiserv crashes 44% in worst day ever on brutal guidance cut
Fiserv stock crashes 44% on pace for worst day ever after slashing guidance to $8.50-$8.60 from $10.15-$10.30
Seeking Alpha
seekingalpha.com › home › earnings analysis › financials
Fiserv Q3: A Brutal Selloff That Shocked Everyone (NYSE:FI) | Seeking Alpha
October 29, 2025 - Fiserv, Inc. stock tumbles after poor Q3 results and weak outlook. Click for why experts advise caution before investing in FI stock and what to watch for next.
INDmoney
indmoney.com › home › blog › us stocks › why did fiserv stock fall 44% after q3 earnings?
Why Did Fiserv Stock Fall 44% After Q3 Earnings?
October 30, 2025 - Fiserv Stock tanked on October 29, erasing close to $30 billion in market value. The selloff followed a disastrous Q3 earnings report, where the company missed revenue and profit estimates, slashed its full-year guidance, and announced sweeping ...
Reddit
reddit.com › r/stocks › fiserv plummets 30% after massive earnings miss and guidance cut
r/stocks on Reddit: Fiserv plummets 30% after massive earnings miss and guidance cut
October 29, 2025 -
The company reported adjusted earnings of $2.04 per share for the third quarter, falling far short of the $2.65 analysts had expected. Revenue came in at $4.92 billion, below the consensus estimate of $5.36 billion.
Organic revenue growth was just 1% in the quarter, with the Merchant Solutions segment growing 5% while the Financial Solutions segment declined 3%.
In response to the disappointing results, Fiserv drastically cut its full-year guidance, now expecting adjusted earnings per share of $8.50 to $8.60, well below its previous outlook and the analyst consensus of $10.16. The company also reduced its organic revenue growth forecast to 3.5-4% for the year.
Source: investing.com
ER: https://investors.fiserv.com/newsroom/detail/2870/fiserv-reports-third-quarter-2025-results
Bloomberg
bloomberg.com › news › articles › 2025-07-23 › fiserv-shares-fall-most-since-2000-as-merchant-growth-misses
Fiserv Stock (FI) Falls Most Since 2000 as Merchant Growth Misses - Bloomberg
July 23, 2025 - Fiserv Inc.’s stock plunged Wednesday after the financial-technology company reported lackluster growth in its merchant business.
Forbes
forbes.com › forbes homepage › money › markets
Buy or Sell Fiserv Stock After Its 44% Crash?
October 30, 2025 - The financial technology giant Fiserv stock (NASDAQ: FI) crashed 44% yesterday, October 29, 2025, sending shares to around the $70 level after the company announced shockingly bad third-quarter earnings and a significantly reduced full-year forecast.
TipRanks
tipranks.com › news › top-analysts-downgrade-fiserv-stock-fi-on-shocking-q3-results-shares-crash-43
Top Analysts Downgrade Fiserv Stock (FI) on “Shocking” Q3 Results, Shares Crash 43% - TipRanks.com
October 29, 2025 - Fiserv stock plunged today after a disappointing Q3 earnings report and rating downgrades by three Top Wall Street analysts.
Investopedia
investopedia.com › fiserv-shares-plunge-after-weak-earnings-leadership-overhaul-11839144
This Fintech Stock Dropped 40% to Lead S&P 500 Decliners Today. Here's Why.
October 29, 2025 - Shares of Fiserv plunged Wednesday after the Milwaukee-based fintech firm reported weaker-than-expected earnings, slashed its guidance and announced a leadership overhaul.
Seeking Alpha
seekingalpha.com › home › stock ideas › quick picks & lists
Fiserv Crash Lessons: 5 Popular Stocks With Quant Sell Ratings | Seeking Alpha
November 5, 2025 - Fiserv had a Quant Sell Rating two months before its big crash on Wednesday, while Wall Street and other analysts still gave it a Buy rating. Many companies have reached valuations that are becoming increasingly difficult to justify, which means ...
Yahoo! Finance
finance.yahoo.com › news › fiserv-stock-plunges-new-ceo-launches-an-executive-shakeup-160116444.html
Fiserv stock plunges. New CEO launches an executive shakeup.
October 29, 2025 - Fiserv's stock dropped 44% Wednesday, its biggest one-day fall on record and a seven-year low for its share price.
YouTube
youtube.com › watch
Fiserv 50% Crash Makes it a Buy Now! NYSE: FI - YouTube
Fiserv Stock 50% make it a stock to buy now. NYSE: FIIf you are a sophisticated investor looking for in depth, independent stock analyses, a strategic value ...
Published October 31, 2025