FISV vs CTSH vs BR
161 measures in 16 categories, one definition each, computed from filings and market data.
FISV37.2
Fiserv, Inc.
Technology · Information Technology Services
$47.55 +0.72%$25.3B mkt cap
Score DNA
CTSH66.1
Cognizant Technology Solutions Corporation
Technology · Information Technology Services
$66.03 +0.40%$29.7B mkt cap
Score DNA
BR74.3
Broadridge Financial Solutions, Inc.
Technology · Information Technology Services
$175.11 +0.59%$19.8B mkt cap
Score DNA
Price, rebased to 100 three years ago
FISV CTSH BR · weekly adjusted closesSmart money 8Valuation 16Profitability (TTM) 12Returns on capital 11Growth 17Margin history & stability 7Liquidity (latest quarter) 7Leverage & solvency (latest quarter) 13Efficiency 11Cash flow & earnings quality 7Dividends & buybacks 9Scores & forensic checks 15Per share 7Size (TTM) 8Price performance 9Technicals 4
● marks the highest or lowest value where that direction is plainly stronger (margins, returns, coverage, leverage); multiples and yields are left unmarked. Bars show each stock's percentile within its own industry. n/a: the measure does not apply to lenders and insurers.
Smart money
8 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Insider open-market buys, 180d | 7 | 1 | 0 |
| Insider $ bought, 180d | $2.24M | $0.21M | — |
| Congress purchases, 180d | 2 | 2 | 4 |
| Last Congress purchase | 2026-09-25 | 2026-09-25 | 2026-06-16 |
| 13F net change in holders | — | −73 | −40 |
| ETFs adding shares, 30d | 386 | 1,191 | 1,103 |
| ETFs trimming, 30d | 310 | 1,161 | 915 |
| Net ETF funds, 30d | +76 | +30 | +188 |
Valuation
16 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| P/E (TTM) | 9.0x
14th
|
13.4x
32nd
|
17.6x
71st
|
| PEG (P/E ÷ 3-yr EPS CAGR) | 1.02
44th
|
4.10
88th
|
0.78
38th
|
| Price / sales | 1.2x
50th
|
1.4x
53rd
|
2.6x
78th
|
| Price / book | 0.9x
11th
|
2.1x
49th
|
7.0x
94th
|
| Price / tangible book | — | 3.8x
29th
|
— |
| Price / free cash flow | 6.4x
23rd
|
11.4x
57th
|
15.1x
73rd
|
| Price / operating cash flow | 4.3x
15th
|
10.2x
61st
|
14.3x
85th
|
| Enterprise value | $52.5B
95th
|
$30.8B
86th
|
$22.9B
81st
|
| EV / sales | 2.5x
72nd
|
1.4x
47th
|
3.1x
78th
|
| EV / EBITDA | 7.1x
22nd
|
7.5x
28th
|
11.5x
62nd
|
| EV / EBIT | 12.6x
52nd
|
8.7x
10th
|
14.7x
62nd
|
| EV / free cash flow | 13.3x
53rd
|
11.8x
37th
|
17.4x
77th
|
| Earnings yield | 11.1%
89th
|
7.5%
76th
|
5.7%
46th
|
| FCF yield | 15.6%
81st
|
8.7%
54th
|
6.6%
41st
|
| Operating cash flow yield | 23.2%
86th
|
9.8%
46th
|
7.0%
24th
|
| Graham number (per share) | $76.84
70th
|
$57.68
52nd
|
$73.33
67th
|
Profitability (TTM)
12 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Gross margin | 47.2%
81st
|
32.0%
51st
|
31.8%
49th
|
| EBITDA margin | 35.6%
97th
|
19.0%
68th
|
26.6%
86th
|
| Operating margin | 21.4%
97th
|
15.8%
78th
|
17.4%
92nd
|
| EBIT margin | 20.0%
89th
|
16.4%
78th
|
20.8%
92nd
|
| Net margin | 13.4%
81st
|
10.3%
68th
|
15.0%
86th
|
| NOPAT margin | 17.9%
97th
|
10.0%
68th
|
13.6%
86th
|
| FCF margin | 18.9%
81st
|
12.0%
57th
|
17.6%
76th
|
| Operating cash flow margin | 28.1%
94th
|
13.5%
53rd
|
18.4%
72nd
|
| R&D / revenue | 0.0%
0th
|
0.0%
0th
|
0.0%
0th
|
| SG&A / revenue | 34.8%
84th
|
14.6%
30th
|
14.4%
27th
|
| Stock comp / revenue | 1.5%
67th
|
0.6%
31st
|
1.2%
53rd
|
| Effective tax rate | 16.2%
11th
|
36.6%
89th
|
22.2%
47th
|
Returns on capital
11 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| ROE (on average equity) | 10.7%
41st
|
14.9%
51st
|
40.9%
92nd
|
| ROA | 3.4%
49th
|
10.8%
76th
|
12.9%
84th
|
| ROIC | 6.9%
46th
|
13.9%
65th
|
17.0%
78th
|
| ROCE | 7.4%
35th
|
20.4%
76th
|
20.6%
78th
|
| Return on tangible assets | 5.1%
38th
|
17.3%
84th
|
17.7%
86th
|
| Cash ROIC (OCF / invested capital) | 10.8%
31st
|
18.8%
64th
|
23.2%
72nd
|
| Gross profitability (GP / assets) | 12.2%
19th
|
33.3%
68th
|
26.6%
54th
|
| ROIC, 3-yr average | 6.0%
39th
|
11.2%
61st
|
12.5%
71st
|
| ROIC, 5-yr average | 5.8%
35th
|
15.8%
71st
|
12.7%
65th
|
| ROE, 5-yr average | 10.2%
44th
|
16.6%
59th
|
31.9%
94th
|
| Incremental ROIC | -347.1%
3rd
|
678.4%
100th
|
147.7%
89th
|
Growth
17 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Revenue growth (TTM YoY) | -1.2%
17th
|
5.6%
40th
|
8.5%
57th
|
| Revenue growth (QoQ) | 5.3%
64th
|
1.3%
39th
|
13.6%
86th
|
| Revenue CAGR, 3 yr | 4.2%
32nd
|
3.7%
24th
|
7.2%
56th
|
| Revenue CAGR, 5 yr | 6.2%
33rd
|
4.4%
23rd
|
8.4%
60th
|
| Gross profit CAGR, 3 yr | -2.2%
9th
|
0.7%
15th
|
10.0%
73rd
|
| Operating income CAGR, 3 yr | 2.9%
40th
|
7.3%
52nd
|
11.6%
80th
|
| Net income growth (TTM YoY) | -17.1%
18th
|
-8.9%
21st
|
33.9%
79th
|
| Net income CAGR, 3 yr | 3.7%
45th
|
0.4%
36th
|
21.3%
82nd
|
| EPS growth (TTM YoY) | -14.5%
18th
|
-3.8%
21st
|
37.1%
79th
|
| EPS CAGR, 3 yr | 8.9%
45th
|
3.3%
36th
|
22.5%
77th
|
| EPS CAGR, 5 yr | 25.3%
82nd
|
8.4%
27th
|
16.0%
68th
|
| FCF growth (TTM YoY) | -23.4%
14th
|
13.8%
52nd
|
18.6%
69th
|
| FCF CAGR, 3 yr | 5.3%
33rd
|
6.3%
41st
|
20.6%
74th
|
| Operating cash flow CAGR, 3 yr | 6.7%
47th
|
5.3%
37th
|
18.8%
73rd
|
| Book value CAGR, 3 yr | 1.2%
28th
|
6.8%
47th
|
9.3%
66th
|
| Dividend CAGR, 3 yr | — | 3.5%
43rd
|
4.3%
64th
|
| Sustainable growth rate | 10.7%
25th
|
10.8%
29th
|
24.8%
75th
|
Margin history & stability
7 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Gross margin, 3-yr average | 56.4%
85th
|
33.5%
56th
|
30.8%
50th
|
| Operating margin, 3-yr average | 26.5%
100th
|
15.3%
76th
|
16.8%
82nd
|
| Net margin, 3-yr average | 15.6%
94th
|
11.2%
71st
|
12.7%
85th
|
| FCF margin, 3-yr average | 20.9%
91st
|
10.5%
56th
|
16.0%
76th
|
| Revenue stability (0-1) | 0.93
65th
|
0.95
76th
|
1.00
94th
|
| Earnings stability (0-1) | 0.66
71st
|
0.46
56th
|
0.85
82nd
|
| Margin stability (0-1) | 0.89
29th
|
0.95
59th
|
0.96
68th
|
Liquidity (latest quarter)
7 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Cash & short-term investments | $627.0M
62nd
|
$1.1B
78th
|
$402.9M
57th
|
| Net cash (− = net debt) | −$27.3B
3rd
|
−$1.0B
49th
|
−$3.1B
27th
|
| Working capital | $1.1B
65th
|
$4.1B
92nd
|
$333.3M
49th
|
| Current ratio | 1.04
16th
|
2.18
81st
|
1.24
35th
|
| Quick ratio | 1.04
22nd
|
2.18
81st
|
1.21
35th
|
| Cash ratio (cash + ST investments / current liabilities) | 0.03
5th
|
0.30
46th
|
0.28
43rd
|
| Defensive interval (days) | 307 days
24th
|
605 days
54th
|
521 days
41st
|
Leverage & solvency (latest quarter)
13 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Total debt | $27.9B
97th
|
$2.1B
54th
|
$3.5B
62nd
|
| Debt / equity | 1.04
58th
|
0.14
22nd
|
1.24
67th
|
| Net debt / equity | 1.01
64th
|
0.07
28th
|
1.10
67th
|
| Debt / assets | 34.5%
57th
|
10.1%
22nd
|
39.3%
62nd
|
| Debt / capital | 50.9%
58th
|
12.6%
22nd
|
55.3%
67th
|
| Debt / EBITDA | 3.76
78th
|
0.51
12th
|
1.77
38th
|
| Net debt / EBITDA | 3.67
81st
|
0.25
25th
|
1.57
53rd
|
| Interest coverage (EBIT / interest) | 2.7x
34th
|
98.5x
94th
|
13.9x
77th
|
| Cash interest coverage | 3.8x
26th
|
81.0x
89th
|
12.3x
71st
|
| Debt payback (years of OCF) | 4.8 yrs
76th
|
0.7 yrs
18th
|
2.6 yrs
42nd
|
| Liabilities / assets | 66.7%
59th
|
30.6%
11th
|
68.2%
65th
|
| IS credit model rating | BB- | AA+ | A+ |
| Implied credit spread (bps) | 550
73rd
|
65
0th
|
125
22nd
|
Efficiency
11 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Asset turnover | 0.26
16th
|
1.06
65th
|
0.85
49th
|
| Fixed asset turnover | 6.27
14th
|
14.09
65th
|
18.56
78th
|
| Inventory turnover | — | — | 290.6
100th
|
| Receivables turnover | 5.2
41st
|
4.7
30th
|
6.8
68th
|
| Days sales outstanding | 70 days
61st
|
77 days
72nd
|
54 days
33rd
|
| Days inventory outstanding | — | — | 1 days
0th
|
| Days payables outstanding | 28 days
57th
|
8 days
14th
|
13 days
30th
|
| Cash conversion cycle (days) | 42 days
54th
|
70 days
89th
|
42 days
51st
|
| Capex / revenue | 9.1%
83rd
|
1.5%
47th
|
0.9%
19th
|
| Capex / depreciation | 0.59
67th
|
0.57
61st
|
0.15
8th
|
| Operating expense ratio | 0.0%
0th
|
17.4%
32nd
|
13.8%
22nd
|
Cash flow & earnings quality
7 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Operating cash flow / net income | 2.09
64th
|
1.31
32nd
|
1.23
18th
|
| FCF / net income | 1.41
61st
|
1.17
43rd
|
1.17
39th
|
| FCF / operating cash flow | 67.5%
25th
|
89.1%
56th
|
95.1%
97th
|
| Capex / operating cash flow | 32.5%
75th
|
10.9%
44th
|
4.9%
3rd
|
| Accruals ratio | -3.8%
65th
|
-3.4%
70th
|
-2.9%
76th
|
| Sloan accruals ratio | -5.3%
46th
|
-4.5%
49th
|
-0.7%
73rd
|
| Earnings quality score (0-1) | 1.00
50th
|
1.00
50th
|
1.00
50th
|
Scores & forensic checks
15 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| IS score | 37
27th
|
66
76th
|
74
95th
|
| IS profitability | 39
51st
|
52
68th
|
73
89th
|
| IS growth | 26
9th
|
38
23rd
|
67
83rd
|
| IS value | 78
81st
|
95
100th
|
65
51st
|
| IS momentum | 59
31st
|
68
46th
|
89
86th
|
| IS risk (safety) | 30
24th
|
100
76th
|
90
70th
|
| IS quality | 65
57th
|
76
76th
|
82
89th
|
| IS balance sheet | 36
27th
|
78
81st
|
53
59th
|
| IS earnings quality | 74
86th
|
71
76th
|
78
97th
|
| IS cash flow | 54
41st
|
74
92nd
|
69
70th
|
| Piotroski F-score (0-9) | 5
14th
|
5
14th
|
9
97th
|
| Altman Z-score | 1.2
24th
|
4.5
76th
|
3.7
70th
|
| Beneish M-score | −1.61
94th
|
−2.51
66th
|
−2.57
57th
|
| Ohlson O-score | −7.70
35th
|
−10.46
3rd
|
−7.31
51st
|
| IS credit score | 39
27th
|
94
92nd
|
77
78th
|
Size (TTM)
8 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| Market cap | $25.3B
89th
|
$29.7B
92nd
|
$19.8B
86th
|
| Revenue | $20.9B
84th
|
$21.6B
86th
|
$7.5B
62nd
|
| EBITDA | $7.4B
95th
|
$4.1B
86th
|
$2.0B
78th
|
| Net income | $2.8B
89th
|
$2.2B
86th
|
$1.1B
81st
|
| Free cash flow | $4.0B
95th
|
$2.6B
86th
|
$1.3B
81st
|
| Total assets | $80.9B
97th
|
$20.8B
86th
|
$8.9B
57th
|
| Shareholders' equity | $26.9B
95th
|
$14.5B
89th
|
$2.8B
68th
|
| Employees | 38,000
65th
|
356,700
95th
|
16,000
41st
|
Price performance
9 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| 1 day | +0.7% | +0.4% | +0.6% |
| 1 week | +4.2% | +11.5% | +5.9% |
| 1 month | −3.5% | +6.7% | +6.6% |
| 3 months | −8.0% | +47.9% | +16.7% |
| 6 months | −25.7% | +7.7% | +7.5% |
| Year to date | −27.5% | −18.4% | −20.6% |
| 1 year | −60.7% | −0.7% | −24.0% |
| 3 years, cumulative | −58.1% | +0.2% | −0.5% |
| 5 years, cumulative | −55.9% | −6.4% | +11.4% |
Technicals
4 measures| Measure | FISV | CTSH | BR |
|---|---|---|---|
| RSI 14 | 51.8 | 67.6 | 66.8 |
| From 52-week high | −63.1% | −24.1% | −25.5% |
| From 52-week low | +8.4% | +78.1% | +30.9% |
| Beta | 0.80 | 0.85 | 0.93 |
InsiderStreet reports findings from filings and market data. A comparison is not a recommendation to buy or sell either stock.Every figure is computed in code · data as of 2026-10-17