NASDAQ
According to Zyberno, FISERV, INC. (FISV) shows a Value Trap signal — WEAK BUSINESS (45/100) with an apparent Margin of Safety of +28.1%, but a Brina Gap of -3.7% reveals the current price still assumes faster growth than the business can deliver.
According to Zyberno's DCF model, FISERV, INC. (FISV) trades at $52.58 against an estimated intrinsic value per share of $73.12 — a +28.1% Margin of Safety based on Owner Earnings of $4.13B TTM, projected at -5.1% growth for 10 years with a 2.5% terminal growth rate. The Brina Gap of -3.7% weakens the case: based on the company's ROIC (6.5%) and reinvestment rate (7.6%), the business can fundamentally grow at 0.5% — but the current enterprise value implies the market expects 4.2%. This places FISV in the Value Trap quadrant of the Brina Matrix — a value-trap signal where the apparent discount is undermined by overpriced growth expectations. Zyberno's model translates this into a 5-year expected return of 1.4% annually.
Over the trailing twelve months, FISV generated $4.13B in Owner Earnings. Capital was deployed as follows: $1.89B invested in capital expenditures. Reinvestment rate: 7.6%. Owner Earnings have declined at 5.1% annually over the trailing five years using log-linear regression.