FISV vs SE
Fiserv Inc. and Sea Ltd., side by side — 10 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | FISV | SE |
|---|---|---|
| Revenue | $21.2B | $22.9B |
| Net income | $3.5B | $1.6B |
| Gross margin | · | 44.7% |
| Net margin | 16.5% | 7.0% |
| Return on equity | 13.2% | 15.1% |
| Diluted EPS | $6.34 | $2.52 |
| Dividend / share | · | · |
| Payout ratio | · | · |
| Free cash flow | $4.3B | $4.5B |
| Equity | $25.8B | $12.5B |
| Net debt / equity | 1.09× | · |
| Current ratio | 1.03× | 1.58× |
| Revenue CAGR 5y | 7.4% | 39.3% |
| Profit CAGR 5y | 29.4% | · |
FISV and SE book revenue within 15% of each other, and keeps more of each dollar of revenue as profit (16.5% against 7.0%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner. "·" marks a figure not available in our data.
10 years side by side
| Fiscal year | FISV | SE |
|---|---|---|
| FY2025 | $21.2B | $22.9B |
| FY2024 | $20.5B | $16.8B |
| FY2023 | $19.1B | $13.1B |
| FY2022 | $17.7B | $12.4B |
| FY2021 | $16.2B | $10.0B |
| FY2020 | $14.9B | $4.4B |
| FY2019 | $10.2B | $2.2B |
| FY2018 | $5.8B | $827.0M |
| FY2017 | $5.7B | $414.2M |
| FY2016 | $5.5B | $345.7M |
Bottom line
| Fiscal year | FISV | SE |
|---|---|---|
| FY2025 | $3.5B | $1.6B |
| FY2024 | $3.1B | $444.3M |
| FY2023 | $3.1B | $150.7M |
| FY2022 | $2.5B | $-1.7B |
| FY2021 | $1.3B | $-2.0B |
| FY2020 | $958.0M | $-1.6B |
| FY2019 | $893.0M | $-1.5B |
| FY2018 | $1.2B | $-961.2M |
| FY2017 | $1.2B | $-560.5M |
| FY2016 | $930.0M | $-222.9M |
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −$1,745,469,000 | SE |
| FY2024 | +$3,636,134,000 | FISV |
| FY2023 | +$6,029,440,000 | FISV |
| FY2022 | +$5,287,295,000 | FISV |
| FY2021 | +$6,270,810,000 | FISV |
| FY2020 | +$10,476,336,000 | FISV |
| FY2019 | +$8,011,622,000 | FISV |
| FY2018 | +$4,996,032,000 | FISV |
| FY2017 | +$5,281,810,000 | FISV |
| FY2016 | +$5,159,330,000 | FISV |
| FY2015 | +$4,961,876,000 | FISV |
The higher-revenue side has changed between FISV and SE over this period. The gap has narrowed since the earliest year compared.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
11 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +9.4 pp | FISV |
| FY2024 | +12.9 pp | FISV |
| FY2023 | +15.1 pp | FISV |
| FY2022 | +27.9 pp | FISV |
| FY2021 | +29.2 pp | FISV |
| FY2020 | +43.7 pp | FISV |
| FY2019 | +76.0 pp | FISV |
| FY2018 | +136.6 pp | FISV |
| FY2017 | +157.4 pp | FISV |
| FY2016 | +82.0 pp | FISV |
| FY2015 | +50.3 pp | FISV |
FISV has kept the higher net margin in every one of these 11 fiscal years.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
SE's net margin has been more volatile than FISV's over the 11 comparable fiscal years — 45.7 percentage points of standard deviation against 4.6.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
Year by year
FISV led in net margin in every one of the 11 comparable fiscal years — a structural lead, not a recent swing.
11 of 19 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
SE's return on equity has been more volatile than FISV's over the 7 comparable fiscal years — 50.8 percentage points of standard deviation against 6.4.
7 of 18 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in return on equity changed hands between FISV and SE over these 7 fiscal years — FISV led in 6 and SE in 1.
7 of 18 comparable fiscal years — a year missing data on either side is not counted.