Fiserv [FI] vs International [IBM] Detailed Stock Comparison

Fiserv Inc.

NYSE
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International Business Machines Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Fiserv Inc. wins in 11 metrics, International Business Machines Corporation wins in 9 metrics, with 0 ties. Fiserv Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Fiserv Inc. International Business Machines Corporation Better
P/E Ratio (TTM) 9.86 22.93 Fiserv Inc.
Price-to-Book Ratio 1.36 7.34 Fiserv Inc.
Debt-to-Equity Ratio 120.58 197.33 Fiserv Inc.
PEG Ratio 0.20 0.26 Fiserv Inc.
EV/EBITDA 6.92 18.00 Fiserv Inc.
Profit Margin (TTM) 17.05% 15.69% Fiserv Inc.
Operating Margin (TTM) 25.39% 24.77% Fiserv Inc.
EBITDA Margin (TTM) 25.39% 24.77% Fiserv Inc.
Return on Equity 13.54% 35.16% International Business Machines Corporation
Return on Assets (TTM) 4.77% 5.44% International Business Machines Corporation
Free Cash Flow (TTM) $5.06B $11.46B International Business Machines Corporation
Dividend Yield N/A 2.59% N/A
1-Year Return -65.26% 14.95% International Business Machines Corporation
Price-to-Sales Ratio (TTM) 1.62 3.55 Fiserv Inc.
Enterprise Value $63.59B $290.12B International Business Machines Corporation
EV/Revenue Ratio 3.01 4.30 Fiserv Inc.
Gross Profit Margin (TTM) 58.86% 60.59% International Business Machines Corporation
Revenue per Share (TTM) $38 $72 International Business Machines Corporation
Earnings per Share (Diluted) $6.47 $11.15 International Business Machines Corporation
Beta (Stock Volatility) 0.79 0.69 International Business Machines Corporation
Short % of Float 1.44% 2.76% Fiserv Inc.

Fiserv Inc. vs International Business Machines Corporation Stock Performance Analysis

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FI
IBM

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Fiserv Inc.-2.43%-1.00%-8.80%-8.55%-9.78%-13.77%
International Business Machines Corporation-7.17%31.45%43.60%37.67%9.20%13.05%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Fiserv Inc.-65.26%-50.34%-50.12%6.66%263.50%403.65%
International Business Machines Corporation14.95%124.89%111.30%103.74%88.73%291.74%

Performance & Financial Health Analysis: Fiserv Inc. vs International Business Machines Corporation

MetricFIIBM
Market Information
Market Cap i$36.31B$216.85B
Market Cap CategoryLarge capMega cap
10 Day Avg. Volume i6,336,6204,994,667
90 Day Avg. Volume i9,996,5874,825,689
Last Close$55.09$305.63
52 Week Range$52.17 - $177.36$212.34 - $332.46
% from 52W High-68.94%-8.07%
All-Time High$238.59 (Mar 03, 2025)$332.46 (Jun 02, 2026)
% from All-Time High-76.91%-8.07%
Growth Metrics
Quarterly Revenue Growth0.01%0.12%
Quarterly Earnings Growth0.40%0.92%
Financial Health
Profit Margin (TTM) i0.17%0.16%
Operating Margin (TTM) i0.25%0.25%
Return on Equity (TTM) i0.14%0.35%
Debt to Equity (MRQ) i120.58197.33
Cash & Liquidity
Book Value per Share (MRQ)$46.78$34.85
Cash per Share (MRQ)$1.99$15.37
Operating Cash Flow (TTM) i$6.34B$13.19B
Levered Free Cash Flow (TTM) i$4.19B$13.16B
Dividends
Last 12-Month Dividend Yield iN/A2.59%
Last 12-Month Dividend i$0.00$6.72

Valuation & Enterprise Metrics Analysis: Fiserv Inc. vs International Business Machines Corporation

MetricFI (Jan 15, 2026)IBM (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.8622.93
Forward P/E i6.2619.10
PEG Ratio i0.200.26
Price to Sales (TTM) i1.623.55
Price to Book (MRQ) i1.367.34
Market Capitalization
Market Capitalization i$36.31B$216.85B
Enterprise Value i$63.59B$290.12B
Enterprise Value Metrics
Enterprise to Revenue i3.014.30
Enterprise to EBITDA i6.9218.00
Risk & Other Metrics
Beta i0.790.69
Book Value per Share (MRQ) i$46.78$34.85

Financial Statements Comparison: Fiserv Inc. vs International Business Machines Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricFI (2024)IBM (2025)
Revenue/Sales i20.46B67.54B
Cost of Goods Sold i8.01B28.24B
COGS % of Revenue i39.2%41.8%
Gross Profit i12.44B39.30B
Gross Margin i60.8%58.2%
Research & Development iN/A8.32B
Operating Income (EBIT) i5.88B12.49B
Operating Margin i28.7%18.5%
EBITDA i8.84B18.31B
EBITDA Margin i43.2%27.1%
Pre-Tax Income i4.51B10.33B
Pre-Tax Income % of Revenue i22.0%15.3%
Income Tax i641.00M-242.00M
Income Tax % of Revenue i3.1%-0.4%
Net Income (Profit) i3.18B10.59B
Profit Margin i15.5%15.7%

Balance Sheet & Liquidity Metrics

MetricFI (2024)IBM (2025)
Cash & Equivalents i1.24B13.59B
Total Current Assets i23.48B36.94B
Total Current Assets % of Revenue i114.8%54.7%
Total Current Liabilities i22.16B38.66B
Total Current Liabilities % of Revenue i108.3%57.2%
Long-Term Debt i23.73B57.38B
Long-Term Debt % of Revenue i116.0%85.0%
Total Shareholders Equity i27.69B32.74B
Retained Earnings i23.58B155.65B
Retained Earnings % of Revenue i115.2%230.5%
Property, Plant & Equipment i3.79B7.13B

Cash Flow Statement Comparison

MetricFI (2024)IBM (2025)
Operating Cash Flow i6.07B13.23B
Operating Cash Flow % of Revenue i29.7%19.6%
Capital Expenditures iN/A-970.00M
Free Cash Flow i5.06B11.46B
FCF Margin i24.7%17.0%
Debt Repayment i-5.40B-5.49B
Common Stock Repurchase i-5.84B-1.02B

Short Interest & Institutional Ownership Analysis

MetricFIIBM
Shares Short i7.66M23.29M
Short Ratio i1.614.18
Short % of Float i1.44%2.76%
Shares Outstanding i537.00M936.95M
Float Shares i533.64M936.07M
% Held by Insiders i0.73%0.13%
% Held by Institutions i90.43%65.48%
% Held by Public i8.84%34.39%

Dividend Analysis & Yield Comparison: Fiserv Inc. vs International Business Machines Corporation

MetricFIIBM
Last 12-Month Dividend i$0.00$6.72
Last 12-Month Dividend Yield iN/A2.59%
3-Year Avg Annual Dividend i$0.00$6.68
3-Year Avg Dividend Yield iN/A0.86%
3-Year Total Dividends i$0.00$20.04
Ex-Dividend DateN/AFeb 10, 2026