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Fidelity National Information Services Inc (FIS) Stock

Fidelity National Information Services Inc Stock Details, Movements and Public Alerts

Fidelity National Information Services (FIS): The $40B Fintech Infrastructure Giant Rebuilding After Worldpay Spin

When banks need core processing systems, digital banking platforms, or payment infrastructure, FIS provides the plumbing that makes modern finance work—serving 95% of the world's largest financial institutions. CEO Stephanie Ferris, who took the helm during FIS's 2023 crisis, has orchestrated a strategic refocus: spinning off 55% of Worldpay to GTCR in a $12.5B deal that refocuses FIS on banking software while retaining 45% ownership in merchant payments growth. The company's 2024 transformation has been painful—shares remain 60% below 2021 peaks—but emerging FIS offers cleaner focus on high-margin recurring banking software. Trading at 10x forward earnings with $2B+ annual free cash flow and 3% dividend yield, FIS provides fintech infrastructure exposure at value prices. The question is whether Ferris can deliver the 4-5% growth and margin expansion promised while defending against modern competitors like Temenos and nCino.

52-Week Range

$82.90 - $59.15

-19.67% from high · +12.58% from low

Avg Daily Volume

2,856,001

Latest volume

Fundamentals

Valuation Metrics

P/E Ratio (TTM)

210.12

Above market average

Forward P/E

10.60

Earnings expected to grow

PEG Ratio

0.54

Potentially undervalued

Price to Book

2.49

EV/EBITDA

13.27

EPS (TTM)

$0.32

Price to Sales

3.36

Beta

0.93

Less volatile than market

How is FIS valued relative to its earnings and growth?
Fidelity National Information Services Inc trades at a P/E ratio of 210.12, which is above the market average of approximately 20. This premium valuation suggests investors expect above-average growth or the company has competitive advantages justifying the higher multiple. Looking ahead, the forward P/E of 10.60 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 0.54 suggests the stock may be undervalued relative to its growth rate.
What is FIS's risk profile compared to the market?
With a beta of 0.93, Fidelity National Information Services Inc is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 2.49 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Performance & Growth

Profit Margin

1.46%

Operating Margin

23.80%

EBITDA

$3.13B

Return on Equity

1.18%

Return on Assets

4.29%

Revenue Growth (YoY)

5.70%

Earnings Growth (YoY)

22.00%

How profitable and efficient is FIS's business model?
Fidelity National Information Services Inc achieves a profit margin of 1.46%, meaning it retains $1.46 from every $100 in revenue after all expenses. This relatively low margin suggests the company operates in a competitive environment or high-cost industry where profitability is challenging. The operating margin of 23.80% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 1.18% and ROA at 4.29%, the company achieves moderate returns on invested capital.
What are FIS's recent growth trends?
Fidelity National Information Services Inc's revenue grew by 5.70% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings increased by 22.00% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against INFORMATION TECHNOLOGY SERVICES industry averages for proper context.

Dividend Information

Dividend Per Share

$1.56

Dividend Yield

2.34%

Ex-Dividend Date

Dec 9, 2025

Dividend Date

Dec 23, 2025

What dividend income can investors expect from FIS?
Fidelity National Information Services Inc offers a dividend yield of 2.34%, paying $1.56 per share annually. This above-average yield of 2-4% provides meaningful income while still allowing the company to reinvest for growth. It compares favorably to the S&P 500 average and offers competitive returns versus bonds in the current rate environment. To receive the next dividend, shares must be purchased before the ex-dividend date of Dec 9, 2025.
How reliable is FIS's dividend for long-term investors?
The dividend sustainability can be assessed through the payout ratio - Fidelity National Information Services Inc pays $1.56 per share in dividends against earnings of $0.32 per share, resulting in a payout ratio of 100.00%. This very high payout exceeding 90% raises sustainability concerns, as nearly all earnings go to dividends. Any earnings decline could force a dividend cut. The next dividend payment is scheduled for Dec 23, 2025.

Company Size & Market

Market Cap

$35.1B

Revenue (TTM)

$10.46B

Revenue/Share (TTM)

$19.81

Shares Outstanding

517.85M

Book Value/Share

$26.70

Asset Type

Common Stock

What is FIS's market capitalization and position?
Fidelity National Information Services Inc has a market capitalization of $35.1B, classifying it as a large-cap stock ($10B-$200B). Large-caps are typically industry leaders with established business models, offering a balance of stability and growth potential. They often provide dividend income and are core holdings in institutional portfolios. With 517.85M shares outstanding, the company's ownership is relatively concentrated. As a participant in the INFORMATION TECHNOLOGY SERVICES industry, it competes with other firms in this sector.
How does FIS's price compare to its book value?
Fidelity National Information Services Inc's book value per share is $26.70, while the current stock price is $66.59, resulting in a price-to-book (P/B) ratio of 2.49. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

Analyst Ratings

Analyst Target Price

$81.05

21.71% upside potential

Analyst Recommendations

Strong Buy

5

Buy

10

Hold

10

Sell

0

Strong Sell

1

How reliable are analyst predictions for FIS?
26 analysts cover FIS with 58% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The mixed views reflect uncertainty about the outlook. The consensus target of $81.05 implies 21.7% upside, but targets are often adjusted to follow price moves rather than predict them.
What is the Wall Street consensus on FIS?
Current analyst recommendations:5 Strong Buy, 10 Buy, 10 Hold, 01 Strong Sell. The bullish tilt suggests optimism about future prospects, though investors should conduct independent research.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.

Fundamentals last updated: Dec 13, 2025, 08:27 AM

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Fidelity National Information Services (FIS) Stock Analysis 2025: Fintech Investment Guide

The Post-Worldpay Transformation

FIS experienced one of fintech's most dramatic collapses: shares fell from $150+ to below $55 as the 2019 Worldpay acquisition ($43B) destroyed value through integration challenges, competitive pressure, and strategic confusion. CEO Stephanie Ferris, promoted during the crisis, responded with decisive action—selling 55% of Worldpay to private equity firm GTCR for $12.5B while retaining 45% ownership. The result is a refocused FIS concentrating on banking software.

Post-spin FIS operates primarily as a banking technology company: core processing (account management, transaction processing), digital banking (Modern Banking Platform, Digital One), and capital markets/wealth solutions. The company serves 95% of the world's largest banks—relationships spanning decades that create switching costs and recurring revenue. Ferris's mandate is improving execution after years of strategic drift, targeting 4-5% revenue growth and margin expansion through operational efficiency.

Business Model & Competitive Position

FIS generates revenue through software licensing (perpetual and subscription), processing fees (per-transaction charges for core banking), and professional services (implementation and customization). The business model emphasizes recurring revenue—85%+ of sales from long-term contracts with 95%+ retention rates. Key products include core banking platforms (Profile, Systematics, IBS), digital banking (Modern Banking Platform), and wealth management solutions.

The competitive moat stems from mission-critical infrastructure and switching costs. Replacing core banking systems is multi-year, hundreds-of-millions-dollar projects that banks undertake only when absolutely necessary. FIS's 95% large bank penetration reflects decades of embedded relationships. However, cloud-native competitors (Temenos SaaS, nCino, Thought Machine) threaten at the margin, and FIS's legacy technology requires modernization investment to remain competitive. The Worldpay stake provides optionality if merchant payments markets recover.

Financial Performance

  • •Revenue: $10B annually (post-spin) with banking software growing 4-5%
  • •Profitability: 35%+ EBITDA margins with expansion potential through operational efficiency
  • •Cash Flow: $2B+ annual free cash flow supporting dividends, buybacks, and debt reduction
  • •Capital Returns: 3% dividend yield with share repurchases reducing count
  • •Balance Sheet: Debt reduced to 3x EBITDA target; Worldpay stake provides $5B+ value
  • •Worldpay Stake: 45% retained ownership provides merchant payments exposure and optionality

Growth Catalysts

  • •Modern Banking Platform: Next-gen cloud banking solution gaining traction with mid-sized banks
  • •Digital Transformation: Banks investing in digital capabilities drive FIS solutions demand
  • •Margin Expansion: Operational efficiency initiatives targeting 200 bps margin improvement
  • •Worldpay Recovery: 45% stake gains value if merchant payments market improves post-spin
  • •Cross-Sell Opportunities: Wealth and capital markets solutions expanding wallet share

Risks & Challenges

  • •Cloud-Native Disruption: Temenos, nCino, Thought Machine targeting FIS's core banking customers
  • •Execution Risk: Stephanie Ferris must deliver growth after years of strategic underperformance
  • •Bank IT Spending: Economic uncertainty could delay digital transformation investments
  • •Legacy Technology: Modernization requires ongoing investment, pressuring near-term margins
  • •Worldpay Uncertainty: 45% stake value depends on GTCR execution and eventual exit

Competitive Landscape

FIS competes with Fiserv (larger, more diversified), Jack Henry (community bank focus), Temenos (cloud-native challenger), and emerging fintechs. The company's scale and bank relationships create competitive advantage for large institutions, but mid-market and digital banks increasingly prefer modern cloud-native alternatives. FIS's Modern Banking Platform attempts to address this with contemporary architecture while leveraging existing relationships.

Stephanie Ferris's strategy emphasizes execution over expansion—a contrast to predecessor acquisitions that created strategic confusion. The Worldpay spin sharpens focus on banking software where FIS has clear competitive advantage. Success requires modernizing technology while maintaining existing relationship profitability. The 45% Worldpay stake provides optionality without management distraction.

Who Is This Stock Suitable For?

Perfect For

  • ✓Value investors seeking fintech exposure at 10x P/E with 3% dividend yield
  • ✓Income investors attracted to sustainable dividend and cash flow generation
  • ✓Turnaround investors betting on Stephanie Ferris execution post-crisis
  • ✓Financial services exposure through mission-critical infrastructure

Less Suitable For

  • ✗Growth investors (4-5% revenue growth ceiling)
  • ✗Momentum traders (stock recovering from crisis, not breaking out)
  • ✗Technology-focused investors preferring cloud-native fintech
  • ✗Risk-averse investors concerned about execution uncertainty

Investment Thesis

FIS offers fintech infrastructure exposure at value prices. The 10x forward P/E, 3% dividend yield, and $2B+ free cash flow reflect crisis-level valuation for a company serving 95% of top global banks. Stephanie Ferris's strategic refocus—Worldpay spin, banking software concentration, operational efficiency—creates a simpler story than the confused conglomerate of recent years. The 45% Worldpay stake provides upside optionality.

The investment requires believing Ferris can execute the turnaround after years of underperformance. FIS's banking relationships provide durability, but cloud-native competitors threaten growth. The stock suits value-oriented investors comfortable with moderate growth and turnaround execution risk. For those seeking fintech exposure without paying premium multiples, FIS offers mission-critical infrastructure at attractive prices—assuming management delivers on operational improvement promises.

Conclusion

FIS is a HOLD/BUY for value investors seeking fintech infrastructure at discounted prices. The 10x P/E and 3% yield provide margin of safety, while Stephanie Ferris's refocus creates turnaround potential. Execution must improve from recent years—skepticism is warranted but priced in. Best suited for patient investors comfortable with moderate growth and turnaround risk in mission-critical financial technology.
Bull Case
$90 (38% upside) - Execution delivers 5% growth + margin expansion, 14x multiple
Base Case
$72 (10% upside) - Steady 4% growth, modest margin gains, 11x multiple
Bear Case
$52 (20% downside) - Growth stalls, cloud competition intensifies, 8x multiple

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