Sifting through countless of stocks in the Financial Services industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. compare based on key financial metrics to determine which better meets your investment needs.

About Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc.

Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The Merchant Solutions segment offers merchant acquiring and digital commerce services; mobile payment services; security and fraud protection solutions; stored-value solutions; software-as-a-service; POS devices; and pay-by-bank solutions. Its Financial Solutions segment provides digital payments, including debit card processing services, debit network services, security and fraud protection products, bill payment, person-to-person payments, and account-to-account transfers; issuing services comprising credit card processing services, prepaid card processing services, card production services, print services, government payment processing, and student loan processing; and banking services, such as customer loan and deposit account processing, digital banking, financial and risk management, professional services and consulting, and check processing services. The company serves merchants, banks, credit unions, other financial institutions, corporate, and public sector customers. The company has a strategic alliance with Western Alliance Bancorporation; it has a strategic partnership with Mastercard to enable eligible enterprise merchants simplify commerce through an expanded suite of integrated value-added services; it also has a strategic collaboration with Thunes to support payouts for Fiserv, Inc.'s merchant ecosystem. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.

Fiserv, Inc. provides payments and financial services technology solutions in the United States, Europe, the Middle East and Africa, Latin America, the Asia-Pacific, and internationally. It operates through the Merchant Solutions and Financial Solutions segments. The Merchant Solutions segment offers merchant acquiring and digital commerce services; mobile payment services; security and fraud protection solutions; stored-value solutions; software-as-a-service; POS devices; and pay-by-bank solutions. Its Financial Solutions segment provides digital payments, including debit card processing services, debit network services, security and fraud protection products, bill payment, person-to-person payments, and account-to-account transfers; issuing services comprising credit card processing services, prepaid card processing services, card production services, print services, government payment processing, and student loan processing; and banking services, such as customer loan and deposit account processing, digital banking, financial and risk management, professional services and consulting, and check processing services. The company serves merchants, banks, credit unions, other financial institutions, corporate, and public sector customers. The company has a strategic alliance with Western Alliance Bancorporation; it has a strategic partnership with Mastercard to enable eligible enterprise merchants simplify commerce through an expanded suite of integrated value-added services; it also has a strategic collaboration with Thunes to support payouts for Fiserv, Inc.'s merchant ecosystem. Fiserv, Inc. was incorporated in 1984 and is headquartered in Milwaukee, Wisconsin.

Affirm Holdings, Inc. operates payment network in the United States, Canada, and internationally. Its platform includes point-of-sale payment solution for consumers, merchant commerce solutions, and a consumer-focused app. The company’s commerce platform, agreements with originating banks, and capital markets partners enables consumers to pay for a purchase over time. It has active merchants covering small businesses, large enterprises, direct-to-consumer brands, brick-and-mortar stores, and companies with an omni-channel presence. The company’s merchants represent a range of industries, including sporting goods and outdoors, home and lifestyle, travel and ticketing, electronics, fashion and beauty, equipment and auto, and general merchandise. Affirm Holdings, Inc. was founded in 2012 and is headquartered in San Francisco, California.

Latest Financial Services and Fiserv, Inc., Fiserv, Inc. Stock News

As of August 21, 2026, Fiserv, Inc. had a $28.0 billion market capitalization, compared to the Financial Services median of $2.3 million. Fiserv, Inc.’s stock is down 21.7% in 2026, down 3.3% in the previous five trading days and down 62.43% in the past year.

Currently, Fiserv, Inc.’s price-earnings ratio is 10.1. Fiserv, Inc.’s trailing 12-month revenue is $20.9 billion with a 13.4% net profit margin. Year-over-year quarterly sales growth most recently was -4.1%. Analysts expect adjusted earnings to reach $7.265 per share for the current fiscal year. Fiserv, Inc. does not currently pay a dividend.

As of August 21, 2026, Fiserv, Inc. had a $28.0 billion market cap, putting it in the 89th percentile of all stocks. Fiserv, Inc.’s stock is down 21.7% in 2026, down 3.3% in the previous five trading days and down 62.43% in the past year.

Currently, Fiserv, Inc.’s price-earnings ratio is 10.1. Fiserv, Inc.’s trailing 12-month revenue is $20.9 billion with a 13.4% net profit margin. Year-over-year quarterly sales growth most recently was -4.1%. Analysts expect adjusted earnings to reach $7.265 per share for the current fiscal year. Fiserv, Inc. does not currently pay a dividend.

How We Compare Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc.’s stock grades to see how they measure up against one another.

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Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. Stock Value Grades

Company	Ticker	Value
Fiserv, Inc.	FISV	A
Fiserv, Inc.	FISV	A
Affirm Holdings, Inc.	AFRM	F

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Fiserv, Inc. has a Value Score of 87, which is Deep Value. Fiserv, Inc. has a Value Score of 87, which is Deep Value. Affirm Holdings, Inc. has a Value Score of 8, which is Ultra Expensive.

The Value Stock Winner: It’s a Tie!

Looking at the Value Grade breakdown above, both Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. have a Value Grade of A. For investors who focus solely on a company’s valuation, you will need to conduct further research into both of these companies’ other metrics to see if they could be good additions to your portfolio. It’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc.’s Momentum Grades

Company	Ticker	Momentum
Fiserv, Inc.	FISV	F
Fiserv, Inc.	FISV	F
Affirm Holdings, Inc.	AFRM	C

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Fiserv, Inc. has a Momentum Score of 11, which is Very Weak. Fiserv, Inc. has a Momentum Score of 11, which is Very Weak. Affirm Holdings, Inc. has a Momentum Score of 59, which is Average.

The Momentum Stock Winner: No Clear Winner

Neither Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. has a strong enough Momentum Grade to be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. is the better investment when it comes to momentum.

Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Fiserv, Inc.	FISV	D
Fiserv, Inc.	FISV	D
Affirm Holdings, Inc.	AFRM	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Fiserv, Inc. has a Earnings Estimate Score of 31, which is Negative. Fiserv, Inc. has a Earnings Estimate Score of 31, which is Negative. Affirm Holdings, Inc. has a Earnings Estimate Score of 23, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. is the better investment when it comes to estimate revisions.

Other Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. Grades

In addition to Momentum, Value and Estimate Revisions, A+ Investor also provides grades for Growth and Quality.

Growth investing builds on the idea that stocks of companies exhibiting strong, consistent and prolonged growth outperform those of slower-growth companies. AAII measures growth through consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Fiserv, Inc., Fiserv, Inc., Affirm Holdings or Inc. Stock?

Overall, Fiserv, Inc. stock has a Value Score of 87, Momentum Score of 11 and Estimate Revisions Score of 31.

Fiserv, Inc. stock has a Value Score of 87, Momentum Score of 11 and Estimate Revisions Score of 31.

Affirm Holdings, Inc. stock has a Value Score of 8, Momentum Score of 59 and Estimate Revisions Score of 23.

Comparing Fiserv, Inc., Fiserv, Inc., Affirm Holdings and Inc.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.