Analysis of Solvency Ratios
Quarterly Data
Solvency ratios also known as long-term debt ratios measure a company ability to meet long-term obligations.
Solvency Ratios (Summary)
Fiserv Inc., solvency ratios (quarterly data)
Based on: 10-Q (reporting date: 2022-03-31), 10-K (reporting date: 2021-12-31), 10-Q (reporting date: 2021-09-30), 10-Q (reporting date: 2021-06-30), 10-Q (reporting date: 2021-03-31), 10-K (reporting date: 2020-12-31), 10-Q (reporting date: 2020-09-30), 10-Q (reporting date: 2020-06-30), 10-Q (reporting date: 2020-03-31), 10-K (reporting date: 2019-12-31), 10-Q (reporting date: 2019-09-30), 10-Q (reporting date: 2019-06-30), 10-Q (reporting date: 2019-03-31), 10-K (reporting date: 2018-12-31), 10-Q (reporting date: 2018-09-30), 10-Q (reporting date: 2018-06-30), 10-Q (reporting date: 2018-03-31), 10-K (reporting date: 2017-12-31), 10-Q (reporting date: 2017-09-30), 10-Q (reporting date: 2017-06-30), 10-Q (reporting date: 2017-03-31).
| Solvency ratio | Description | The company |
|---|---|---|
| Debt to equity ratio | A solvency ratio calculated as total debt divided by total shareholders’ equity. | Fiserv Inc. debt to equity ratio deteriorated from Q3 2021 to Q4 2021 but then improved from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |
| Debt to capital ratio | A solvency ratio calculated as total debt divided by total debt plus shareholders’ equity. | Fiserv Inc. debt to capital ratio deteriorated from Q3 2021 to Q4 2021 but then improved from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |
| Debt to assets ratio | A solvency ratio calculated as total debt divided by total assets. | Fiserv Inc. debt to assets ratio deteriorated from Q3 2021 to Q4 2021 and from Q4 2021 to Q1 2022. |
| Financial leverage ratio | A solvency ratio calculated as total assets divided by total shareholders’ equity. | Fiserv Inc. financial leverage ratio increased from Q3 2021 to Q4 2021 but then slightly decreased from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |
Debt to Equity
Fiserv Inc., debt to equity calculation (quarterly data)
| Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 | Jun 30, 2019 | Mar 31, 2019 | Dec 31, 2018 | Sep 30, 2018 | Jun 30, 2018 | Mar 31, 2018 | Dec 31, 2017 | Sep 30, 2017 | Jun 30, 2017 | Mar 31, 2017 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected Financial Data (US$ in millions) | ||||||||||||||||||||||||||||
| Short-term and current maturities of long-term debt | 552) | 508) | 449) | 418) | 366) | 384) | 365) | 359) | 338) | 287) | 368) | 9) | 7) | 4) | 452) | 1) | 1) | 3) | 93) | 95) | 91) | |||||||
| Long-term debt, excluding current maturities | 20,518) | 20,729) | 20,540) | 20,425) | 20,838) | 20,300) | 20,894) | 21,515) | 21,630) | 21,612) | 22,123) | 13,747) | 5,868) | 5,955) | 4,823) | 4,805) | 4,603) | 4,897) | 5,018) | 4,646) | 4,547) | |||||||
| Total debt | 21,070) | 21,237) | 20,989) | 20,843) | 21,204) | 20,684) | 21,259) | 21,874) | 21,968) | 21,899) | 22,491) | 13,756) | 5,875) | 5,959) | 5,275) | 4,806) | 4,604) | 4,900) | 5,111) | 4,741) | 4,638) | |||||||
| Total Fiserv, Inc. shareholders’ equity | 31,272) | 30,952) | 31,596) | 31,793) | 31,851) | 32,330) | 31,692) | 31,583) | 31,843) | 32,979) | 32,669) | 2,546) | 2,394) | 2,293) | 2,661) | 2,850) | 2,971) | 2,731) | 2,350) | 2,391) | 2,424) | |||||||
| Solvency Ratio | ||||||||||||||||||||||||||||
| Debt to equity1 | 0.67 | 0.69 | 0.66 | 0.66 | 0.67 | 0.64 | 0.67 | 0.69 | 0.69 | 0.66 | 0.69 | 5.40 | 2.45 | 2.60 | 1.98 | 1.69 | 1.55 | 1.79 | 2.17 | 1.98 | 1.91 | |||||||
| Benchmarks | ||||||||||||||||||||||||||||
| Debt to Equity, Competitors2 | ||||||||||||||||||||||||||||
| Accenture PLC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | |||||||
| Adobe Inc. | 0.30 | 0.28 | 0.29 | 0.30 | 0.30 | 0.31 | 0.35 | 0.38 | 0.39 | 0.39 | 0.40 | 0.42 | 0.42 | — | — | — | — | — | — | — | — | |||||||
| Cadence Design Systems Inc. | 0.13 | 0.13 | 0.13 | 0.14 | 0.14 | 0.14 | 0.29 | 0.31 | 0.32 | 0.16 | 0.23 | 0.24 | 0.29 | — | — | — | — | — | — | — | — | |||||||
| CrowdStrike Holdings Inc. | 0.87 | 0.85 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| International Business Machines Corp. | 2.85 | 2.74 | 2.45 | 2.51 | 2.64 | 2.99 | 3.08 | 3.15 | 3.22 | 3.02 | 3.69 | 4.14 | 3.03 | — | — | — | — | — | — | — | — | |||||||
| Intuit Inc. | 0.21 | 0.21 | 0.20 | 0.27 | 0.45 | 0.66 | 0.08 | 0.11 | 0.12 | 0.12 | 0.11 | 0.15 | 0.15 | — | — | — | — | — | — | — | — | |||||||
| Microsoft Corp. | 0.35 | 0.41 | 0.43 | 0.46 | 0.52 | 0.54 | 0.58 | 0.63 | 0.66 | 0.71 | 0.77 | 0.79 | 0.89 | — | — | — | — | — | — | — | — | |||||||
| Oracle Corp. | — | 16.08 | 7.79 | 8.94 | 7.46 | 5.93 | 3.63 | 3.32 | 2.95 | 2.58 | 2.37 | 1.90 | 1.53 | — | — | — | — | — | — | — | — | |||||||
| Palantir Technologies Inc. | 0.00 | 0.00 | 0.00 | 0.00 | 0.11 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| Palo Alto Networks Inc. | 7.08 | 5.08 | 3.20 | 3.04 | 4.18 | 2.80 | 1.98 | 0.91 | 0.95 | 0.90 | 1.08 | 1.45 | 1.30 | — | — | — | — | — | — | — | — | |||||||
| Salesforce Inc. | 0.06 | 0.06 | 0.07 | 0.07 | 0.08 | 0.08 | 0.08 | 0.17 | 0.19 | 0.20 | 0.25 | 0.27 | 0.29 | — | — | — | — | — | — | — | — | |||||||
| ServiceNow Inc. | 0.39 | 0.43 | 0.45 | 0.48 | 0.53 | 0.58 | 0.64 | 0.28 | 0.31 | 0.33 | 0.48 | 0.54 | 0.56 | — | — | — | — | — | — | — | — | |||||||
| Synopsys Inc. | 0.00 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.06 | 0.08 | 0.03 | 0.04 | 0.07 | 0.14 | — | — | — | — | — | — | — | — | |||||||
Based on: 10-Q (reporting date: 2022-03-31), 10-K (reporting date: 2021-12-31), 10-Q (reporting date: 2021-09-30), 10-Q (reporting date: 2021-06-30), 10-Q (reporting date: 2021-03-31), 10-K (reporting date: 2020-12-31), 10-Q (reporting date: 2020-09-30), 10-Q (reporting date: 2020-06-30), 10-Q (reporting date: 2020-03-31), 10-K (reporting date: 2019-12-31), 10-Q (reporting date: 2019-09-30), 10-Q (reporting date: 2019-06-30), 10-Q (reporting date: 2019-03-31), 10-K (reporting date: 2018-12-31), 10-Q (reporting date: 2018-09-30), 10-Q (reporting date: 2018-06-30), 10-Q (reporting date: 2018-03-31), 10-K (reporting date: 2017-12-31), 10-Q (reporting date: 2017-09-30), 10-Q (reporting date: 2017-06-30), 10-Q (reporting date: 2017-03-31).
1 Q1 2022 Calculation
Debt to equity = Total debt ÷ Total Fiserv, Inc. shareholders’ equity
= 21,070 ÷ 31,272 = 0.67
2 Click competitor name to see calculations.
| Solvency ratio | Description | The company |
|---|---|---|
| Debt to equity ratio | A solvency ratio calculated as total debt divided by total shareholders’ equity. | Fiserv Inc. debt to equity ratio deteriorated from Q3 2021 to Q4 2021 but then improved from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |
Debt to Capital
Fiserv Inc., debt to capital calculation (quarterly data)
| Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 | Jun 30, 2019 | Mar 31, 2019 | Dec 31, 2018 | Sep 30, 2018 | Jun 30, 2018 | Mar 31, 2018 | Dec 31, 2017 | Sep 30, 2017 | Jun 30, 2017 | Mar 31, 2017 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected Financial Data (US$ in millions) | ||||||||||||||||||||||||||||
| Short-term and current maturities of long-term debt | 552) | 508) | 449) | 418) | 366) | 384) | 365) | 359) | 338) | 287) | 368) | 9) | 7) | 4) | 452) | 1) | 1) | 3) | 93) | 95) | 91) | |||||||
| Long-term debt, excluding current maturities | 20,518) | 20,729) | 20,540) | 20,425) | 20,838) | 20,300) | 20,894) | 21,515) | 21,630) | 21,612) | 22,123) | 13,747) | 5,868) | 5,955) | 4,823) | 4,805) | 4,603) | 4,897) | 5,018) | 4,646) | 4,547) | |||||||
| Total debt | 21,070) | 21,237) | 20,989) | 20,843) | 21,204) | 20,684) | 21,259) | 21,874) | 21,968) | 21,899) | 22,491) | 13,756) | 5,875) | 5,959) | 5,275) | 4,806) | 4,604) | 4,900) | 5,111) | 4,741) | 4,638) | |||||||
| Total Fiserv, Inc. shareholders’ equity | 31,272) | 30,952) | 31,596) | 31,793) | 31,851) | 32,330) | 31,692) | 31,583) | 31,843) | 32,979) | 32,669) | 2,546) | 2,394) | 2,293) | 2,661) | 2,850) | 2,971) | 2,731) | 2,350) | 2,391) | 2,424) | |||||||
| Total capital | 52,342) | 52,189) | 52,585) | 52,636) | 53,055) | 53,014) | 52,951) | 53,457) | 53,811) | 54,878) | 55,160) | 16,302) | 8,269) | 8,252) | 7,936) | 7,656) | 7,575) | 7,631) | 7,461) | 7,132) | 7,062) | |||||||
| Solvency Ratio | ||||||||||||||||||||||||||||
| Debt to capital1 | 0.40 | 0.41 | 0.40 | 0.40 | 0.40 | 0.39 | 0.40 | 0.41 | 0.41 | 0.40 | 0.41 | 0.84 | 0.71 | 0.72 | 0.66 | 0.63 | 0.61 | 0.64 | 0.69 | 0.66 | 0.66 | |||||||
| Benchmarks | ||||||||||||||||||||||||||||
| Debt to Capital, Competitors2 | ||||||||||||||||||||||||||||
| Accenture PLC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | |||||||
| Adobe Inc. | 0.23 | 0.22 | 0.22 | 0.23 | 0.23 | 0.24 | 0.26 | 0.27 | 0.28 | 0.28 | 0.29 | 0.29 | 0.29 | — | — | — | — | — | — | — | — | |||||||
| Cadence Design Systems Inc. | 0.11 | 0.11 | 0.12 | 0.12 | 0.12 | 0.12 | 0.23 | 0.24 | 0.24 | 0.14 | 0.19 | 0.19 | 0.22 | — | — | — | — | — | — | — | — | |||||||
| CrowdStrike Holdings Inc. | 0.47 | 0.46 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| International Business Machines Corp. | 0.74 | 0.73 | 0.71 | 0.72 | 0.73 | 0.75 | 0.76 | 0.76 | 0.76 | 0.75 | 0.79 | 0.81 | 0.75 | — | — | — | — | — | — | — | — | |||||||
| Intuit Inc. | 0.17 | 0.17 | 0.17 | 0.21 | 0.31 | 0.40 | 0.08 | 0.10 | 0.10 | 0.10 | 0.10 | 0.13 | 0.13 | — | — | — | — | — | — | — | — | |||||||
| Microsoft Corp. | 0.26 | 0.29 | 0.30 | 0.32 | 0.34 | 0.35 | 0.37 | 0.39 | 0.40 | 0.41 | 0.44 | 0.44 | 0.47 | — | — | — | — | — | — | — | — | |||||||
| Oracle Corp. | 1.02 | 0.94 | 0.89 | 0.90 | 0.88 | 0.86 | 0.78 | 0.77 | 0.75 | 0.72 | 0.70 | 0.65 | 0.60 | — | — | — | — | — | — | — | — | |||||||
| Palantir Technologies Inc. | 0.00 | 0.00 | 0.00 | 0.00 | 0.10 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| Palo Alto Networks Inc. | 0.88 | 0.84 | 0.76 | 0.75 | 0.81 | 0.74 | 0.66 | 0.48 | 0.49 | 0.47 | 0.52 | 0.59 | 0.56 | — | — | — | — | — | — | — | — | |||||||
| Salesforce Inc. | 0.06 | 0.06 | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 | 0.15 | 0.16 | 0.17 | 0.20 | 0.21 | 0.22 | — | — | — | — | — | — | — | — | |||||||
| ServiceNow Inc. | 0.28 | 0.30 | 0.31 | 0.33 | 0.35 | 0.37 | 0.39 | 0.22 | 0.24 | 0.25 | 0.32 | 0.35 | 0.36 | — | — | — | — | — | — | — | — | |||||||
| Synopsys Inc. | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.05 | 0.07 | 0.03 | 0.03 | 0.07 | 0.13 | — | — | — | — | — | — | — | — | |||||||
Based on: 10-Q (reporting date: 2022-03-31), 10-K (reporting date: 2021-12-31), 10-Q (reporting date: 2021-09-30), 10-Q (reporting date: 2021-06-30), 10-Q (reporting date: 2021-03-31), 10-K (reporting date: 2020-12-31), 10-Q (reporting date: 2020-09-30), 10-Q (reporting date: 2020-06-30), 10-Q (reporting date: 2020-03-31), 10-K (reporting date: 2019-12-31), 10-Q (reporting date: 2019-09-30), 10-Q (reporting date: 2019-06-30), 10-Q (reporting date: 2019-03-31), 10-K (reporting date: 2018-12-31), 10-Q (reporting date: 2018-09-30), 10-Q (reporting date: 2018-06-30), 10-Q (reporting date: 2018-03-31), 10-K (reporting date: 2017-12-31), 10-Q (reporting date: 2017-09-30), 10-Q (reporting date: 2017-06-30), 10-Q (reporting date: 2017-03-31).
1 Q1 2022 Calculation
Debt to capital = Total debt ÷ Total capital
= 21,070 ÷ 52,342 = 0.40
2 Click competitor name to see calculations.
| Solvency ratio | Description | The company |
|---|---|---|
| Debt to capital ratio | A solvency ratio calculated as total debt divided by total debt plus shareholders’ equity. | Fiserv Inc. debt to capital ratio deteriorated from Q3 2021 to Q4 2021 but then improved from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |
Debt to Assets
Fiserv Inc., debt to assets calculation (quarterly data)
| Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 | Jun 30, 2019 | Mar 31, 2019 | Dec 31, 2018 | Sep 30, 2018 | Jun 30, 2018 | Mar 31, 2018 | Dec 31, 2017 | Sep 30, 2017 | Jun 30, 2017 | Mar 31, 2017 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected Financial Data (US$ in millions) | ||||||||||||||||||||||||||||
| Short-term and current maturities of long-term debt | 552) | 508) | 449) | 418) | 366) | 384) | 365) | 359) | 338) | 287) | 368) | 9) | 7) | 4) | 452) | 1) | 1) | 3) | 93) | 95) | 91) | |||||||
| Long-term debt, excluding current maturities | 20,518) | 20,729) | 20,540) | 20,425) | 20,838) | 20,300) | 20,894) | 21,515) | 21,630) | 21,612) | 22,123) | 13,747) | 5,868) | 5,955) | 4,823) | 4,805) | 4,603) | 4,897) | 5,018) | 4,646) | 4,547) | |||||||
| Total debt | 21,070) | 21,237) | 20,989) | 20,843) | 21,204) | 20,684) | 21,259) | 21,874) | 21,968) | 21,899) | 22,491) | 13,756) | 5,875) | 5,959) | 5,275) | 4,806) | 4,604) | 4,900) | 5,111) | 4,741) | 4,638) | |||||||
| Total assets | 75,470) | 76,249) | 75,767) | 75,776) | 74,840) | 74,619) | 72,372) | 77,093) | 72,598) | 77,539) | 77,864) | 19,640) | 11,676) | 11,262) | 10,748) | 10,218) | 10,167) | 10,289) | 10,199) | 9,685) | 9,696) | |||||||
| Solvency Ratio | ||||||||||||||||||||||||||||
| Debt to assets1 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.28 | 0.29 | 0.28 | 0.30 | 0.28 | 0.29 | 0.70 | 0.50 | 0.53 | 0.49 | 0.47 | 0.45 | 0.48 | 0.50 | 0.49 | 0.48 | |||||||
| Benchmarks | ||||||||||||||||||||||||||||
| Debt to Assets, Competitors2 | ||||||||||||||||||||||||||||
| Accenture PLC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | |||||||
| Adobe Inc. | 0.16 | 0.15 | 0.16 | 0.16 | 0.16 | 0.17 | 0.18 | 0.19 | 0.19 | 0.20 | 0.21 | 0.21 | 0.21 | — | — | — | — | — | — | — | — | |||||||
| Cadence Design Systems Inc. | 0.08 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 | 0.17 | 0.17 | 0.18 | 0.10 | 0.13 | 0.13 | 0.16 | — | — | — | — | — | — | — | — | |||||||
| CrowdStrike Holdings Inc. | 0.26 | 0.27 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| International Business Machines Corp. | 0.41 | 0.39 | 0.38 | 0.38 | 0.38 | 0.39 | 0.42 | 0.42 | 0.42 | 0.41 | 0.44 | 0.47 | 0.38 | — | — | — | — | — | — | — | — | |||||||
| Intuit Inc. | 0.14 | 0.13 | 0.13 | 0.16 | 0.24 | 0.31 | 0.05 | 0.06 | 0.07 | 0.07 | 0.06 | 0.08 | 0.09 | — | — | — | — | — | — | — | — | |||||||
| Microsoft Corp. | 0.16 | 0.17 | 0.19 | 0.20 | 0.21 | 0.21 | 0.23 | 0.25 | 0.25 | 0.25 | 0.28 | 0.28 | 0.30 | — | — | — | — | — | — | — | — | |||||||
| Oracle Corp. | 0.67 | 0.64 | 0.59 | 0.64 | 0.62 | 0.62 | 0.53 | 0.52 | 0.51 | 0.52 | 0.51 | 0.49 | 0.45 | — | — | — | — | — | — | — | — | |||||||
| Palantir Technologies Inc. | 0.00 | 0.00 | 0.00 | 0.00 | 0.07 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| Palo Alto Networks Inc. | 0.35 | 0.31 | 0.33 | 0.33 | 0.36 | 0.34 | 0.23 | 0.20 | 0.21 | 0.22 | 0.25 | 0.27 | 0.28 | — | — | — | — | — | — | — | — | |||||||
| Salesforce Inc. | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.09 | 0.10 | 0.10 | 0.14 | 0.14 | 0.14 | — | — | — | — | — | — | — | — | |||||||
| ServiceNow Inc. | 0.14 | 0.15 | 0.17 | 0.17 | 0.18 | 0.19 | 0.22 | 0.11 | 0.11 | 0.12 | 0.14 | 0.15 | 0.15 | — | — | — | — | — | — | — | — | |||||||
| Synopsys Inc. | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.03 | 0.05 | 0.02 | 0.02 | 0.05 | 0.09 | — | — | — | — | — | — | — | — | |||||||
Based on: 10-Q (reporting date: 2022-03-31), 10-K (reporting date: 2021-12-31), 10-Q (reporting date: 2021-09-30), 10-Q (reporting date: 2021-06-30), 10-Q (reporting date: 2021-03-31), 10-K (reporting date: 2020-12-31), 10-Q (reporting date: 2020-09-30), 10-Q (reporting date: 2020-06-30), 10-Q (reporting date: 2020-03-31), 10-K (reporting date: 2019-12-31), 10-Q (reporting date: 2019-09-30), 10-Q (reporting date: 2019-06-30), 10-Q (reporting date: 2019-03-31), 10-K (reporting date: 2018-12-31), 10-Q (reporting date: 2018-09-30), 10-Q (reporting date: 2018-06-30), 10-Q (reporting date: 2018-03-31), 10-K (reporting date: 2017-12-31), 10-Q (reporting date: 2017-09-30), 10-Q (reporting date: 2017-06-30), 10-Q (reporting date: 2017-03-31).
1 Q1 2022 Calculation
Debt to assets = Total debt ÷ Total assets
= 21,070 ÷ 75,470 = 0.28
2 Click competitor name to see calculations.
| Solvency ratio | Description | The company |
|---|---|---|
| Debt to assets ratio | A solvency ratio calculated as total debt divided by total assets. | Fiserv Inc. debt to assets ratio deteriorated from Q3 2021 to Q4 2021 and from Q4 2021 to Q1 2022. |
Financial Leverage
Fiserv Inc., financial leverage calculation (quarterly data)
| Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 | Dec 31, 2020 | Sep 30, 2020 | Jun 30, 2020 | Mar 31, 2020 | Dec 31, 2019 | Sep 30, 2019 | Jun 30, 2019 | Mar 31, 2019 | Dec 31, 2018 | Sep 30, 2018 | Jun 30, 2018 | Mar 31, 2018 | Dec 31, 2017 | Sep 30, 2017 | Jun 30, 2017 | Mar 31, 2017 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Selected Financial Data (US$ in millions) | ||||||||||||||||||||||||||||
| Total assets | 75,470) | 76,249) | 75,767) | 75,776) | 74,840) | 74,619) | 72,372) | 77,093) | 72,598) | 77,539) | 77,864) | 19,640) | 11,676) | 11,262) | 10,748) | 10,218) | 10,167) | 10,289) | 10,199) | 9,685) | 9,696) | |||||||
| Total Fiserv, Inc. shareholders’ equity | 31,272) | 30,952) | 31,596) | 31,793) | 31,851) | 32,330) | 31,692) | 31,583) | 31,843) | 32,979) | 32,669) | 2,546) | 2,394) | 2,293) | 2,661) | 2,850) | 2,971) | 2,731) | 2,350) | 2,391) | 2,424) | |||||||
| Solvency Ratio | ||||||||||||||||||||||||||||
| Financial leverage1 | 2.41 | 2.46 | 2.40 | 2.38 | 2.35 | 2.31 | 2.28 | 2.44 | 2.28 | 2.35 | 2.38 | 7.71 | 4.88 | 4.91 | 4.04 | 3.59 | 3.42 | 3.77 | 4.34 | 4.05 | 4.00 | |||||||
| Benchmarks | ||||||||||||||||||||||||||||
| Financial Leverage, Competitors2 | ||||||||||||||||||||||||||||
| Accenture PLC | 2.15 | 2.21 | 2.18 | 2.18 | 2.14 | 2.18 | 2.19 | 2.17 | 2.19 | 2.07 | 2.05 | 2.05 | 2.11 | — | — | — | — | — | — | — | — | |||||||
| Adobe Inc. | 1.89 | 1.84 | 1.81 | 1.85 | 1.84 | 1.83 | 1.91 | 1.99 | 2.03 | 1.97 | 1.96 | 1.98 | 1.98 | — | — | — | — | — | — | — | — | |||||||
| Cadence Design Systems Inc. | 1.59 | 1.60 | 1.60 | 1.64 | 1.57 | 1.58 | 1.73 | 1.77 | 1.75 | 1.60 | 1.80 | 1.83 | 1.86 | — | — | — | — | — | — | — | — | |||||||
| CrowdStrike Holdings Inc. | 3.39 | 3.14 | 2.15 | 2.04 | 2.02 | 1.89 | 1.75 | 1.61 | 6.29 | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| International Business Machines Corp. | 7.00 | 6.98 | 6.49 | 6.69 | 6.95 | 7.57 | 7.27 | 7.50 | 7.67 | 7.30 | 8.33 | 8.76 | 7.94 | — | — | — | — | — | — | — | — | |||||||
| Intuit Inc. | 1.53 | 1.57 | 1.58 | 1.65 | 1.85 | 2.14 | 1.64 | 1.80 | 1.70 | 1.68 | 1.70 | 1.91 | 1.77 | — | — | — | — | — | — | — | — | |||||||
| Microsoft Corp. | 2.21 | 2.35 | 2.30 | 2.34 | 2.44 | 2.55 | 2.49 | 2.57 | 2.63 | 2.80 | 2.78 | 2.81 | 3.00 | — | — | — | — | — | — | — | — | |||||||
| Oracle Corp. | — | 25.03 | 13.27 | 13.90 | 11.96 | 9.56 | 6.79 | 6.33 | 5.76 | 4.99 | 4.61 | 3.87 | 3.37 | — | — | — | — | — | — | — | — | |||||||
| Palantir Technologies Inc. | 1.40 | 1.42 | 1.43 | 1.49 | 1.67 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |||||||
| Palo Alto Networks Inc. | 20.09 | 16.14 | 9.59 | 9.15 | 11.68 | 8.23 | 8.73 | 4.47 | 4.50 | 4.16 | 4.31 | 5.33 | 4.63 | — | — | — | — | — | — | — | — | |||||||
| Salesforce Inc. | 1.52 | 1.60 | 1.47 | 1.50 | 1.55 | 1.63 | 1.50 | 1.94 | 2.02 | 1.97 | 1.81 | 1.91 | 2.08 | — | — | — | — | — | — | — | — | |||||||
| ServiceNow Inc. | 2.75 | 2.92 | 2.68 | 2.81 | 2.90 | 3.07 | 2.88 | 2.63 | 2.73 | 2.83 | 3.33 | 3.65 | 3.68 | — | — | — | — | — | — | — | — | |||||||
| Synopsys Inc. | 1.65 | 1.65 | 1.65 | 1.64 | 1.64 | 1.64 | 1.67 | 1.71 | 1.74 | 1.57 | 1.56 | 1.58 | 1.68 | — | — | — | — | — | — | — | — | |||||||
Based on: 10-Q (reporting date: 2022-03-31), 10-K (reporting date: 2021-12-31), 10-Q (reporting date: 2021-09-30), 10-Q (reporting date: 2021-06-30), 10-Q (reporting date: 2021-03-31), 10-K (reporting date: 2020-12-31), 10-Q (reporting date: 2020-09-30), 10-Q (reporting date: 2020-06-30), 10-Q (reporting date: 2020-03-31), 10-K (reporting date: 2019-12-31), 10-Q (reporting date: 2019-09-30), 10-Q (reporting date: 2019-06-30), 10-Q (reporting date: 2019-03-31), 10-K (reporting date: 2018-12-31), 10-Q (reporting date: 2018-09-30), 10-Q (reporting date: 2018-06-30), 10-Q (reporting date: 2018-03-31), 10-K (reporting date: 2017-12-31), 10-Q (reporting date: 2017-09-30), 10-Q (reporting date: 2017-06-30), 10-Q (reporting date: 2017-03-31).
1 Q1 2022 Calculation
Financial leverage = Total assets ÷ Total Fiserv, Inc. shareholders’ equity
= 75,470 ÷ 31,272 = 2.41
2 Click competitor name to see calculations.
| Solvency ratio | Description | The company |
|---|---|---|
| Financial leverage ratio | A solvency ratio calculated as total assets divided by total shareholders’ equity. | Fiserv Inc. financial leverage ratio increased from Q3 2021 to Q4 2021 but then slightly decreased from Q4 2021 to Q1 2022 not reaching Q3 2021 level. |