FI vs. SNOW: A Head-to-Head Stock Comparison

Updated on August 19, 2025

Here’s a clear look at FI and SNOW, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

Symbol	FI	SNOW
Company Name	Fiserv, Inc.	Snowflake Inc.
Country	United States	United States
GICS Sector	Financials	Information Technology
GICS Industry	Financial Services	IT Services
Market Capitalization	73.00 billion USD	65.69 billion USD
Exchange	NYSE	NYSE
Listing Date	September 25, 1986	September 16, 2020
Security Type	Common Stock	Common Stock

Historical Performance

This chart compares the performance of FI and SNOW by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

FI vs. SNOW: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	FI	SNOW
5-Day Price Return	1.20%	-4.62%
13-Week Price Return	-28.12%	9.05%
26-Week Price Return	-41.93%	5.63%
52-Week Price Return	-16.64%	60.02%
Month-to-Date Return	-3.35%	-11.91%
Year-to-Date Return	-34.63%	27.50%
10-Day Avg. Volume	4.82M	5.23M
3-Month Avg. Volume	5.47M	4.55M
3-Month Volatility	47.73%	41.57%
Beta	0.98	1.24

Profitability

Return on Equity (TTM)

FI

12.76%

Financial Services Industry

Max: 40.58%
Q3: 20.06%
Median: 10.67%
Q1: 4.19%
Min: -10.31%

FI’s Return on Equity of 12.76% is on par with the norm for the Financial Services industry, indicating its profitability relative to shareholder equity is typical for the sector.

SNOW

-44.88%

IT Services Industry

Max: 29.51%
Q3: 16.98%
Median: 13.47%
Q1: 7.93%
Min: -3.97%

SNOW has a negative Return on Equity of -44.88%. This indicates the company is generating a loss for its shareholders, which can be a result of unprofitability or negative shareholder equity and is often a sign of financial distress.

FI vs. SNOW: A comparison of their Return on Equity (TTM) against their respective Financial Services and IT Services industry benchmarks.

Net Profit Margin (TTM)

FI

16.01%

Financial Services Industry

Max: 52.86%
Q3: 25.58%
Median: 12.23%
Q1: 6.64%
Min: -9.92%

FI’s Net Profit Margin of 16.01% is aligned with the median group of its peers in the Financial Services industry. This indicates its ability to convert revenue into profit is typical for the sector.

SNOW

-36.43%

IT Services Industry

Max: 19.82%
Q3: 11.49%
Median: 6.67%
Q1: 3.61%
Min: -4.62%

SNOW has a negative Net Profit Margin of -36.43%, indicating the company is operating at a net loss as its expenses exceeded its revenues.

FI vs. SNOW: A comparison of their Net Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

Operating Profit Margin (TTM)

FI

29.43%

Financial Services Industry

Max: 77.28%
Q3: 37.68%
Median: 18.17%
Q1: 9.27%
Min: -8.19%

FI’s Operating Profit Margin of 29.43% is around the midpoint for the Financial Services industry, indicating that its efficiency in managing core business operations is typical for the sector.

SNOW

-41.37%

IT Services Industry

Max: 21.69%
Q3: 14.50%
Median: 10.06%
Q1: 6.98%
Min: 0.06%

SNOW has a negative Operating Profit Margin of -41.37%. This signifies the company is unprofitable at the operational level, as its core business expenses exceed its revenue.

FI vs. SNOW: A comparison of their Operating Profit Margin (TTM) against their respective Financial Services and IT Services industry benchmarks.

Profitability at a Glance

Symbol	FI	SNOW
Return on Equity (TTM)	12.76%	-44.88%
Return on Assets (TTM)	4.24%	-17.30%
Net Profit Margin (TTM)	16.01%	-36.43%
Operating Profit Margin (TTM)	29.43%	-41.37%
Gross Profit Margin (TTM)	61.14%	66.58%

Financial Strength

Current Ratio (MRQ)

FI

1.09

Financial Services Industry

Max: 4.58
Q3: 2.59
Median: 1.33
Q1: 0.69
Min: 0.01

For the Financial Services industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

SNOW

1.58

IT Services Industry

Max: 2.42
Q3: 1.81
Median: 1.47
Q1: 1.09
Min: 0.44

SNOW’s Current Ratio of 1.58 aligns with the median group of the IT Services industry, indicating that its short-term liquidity is in line with its sector peers.

FI vs. SNOW: A comparison of their Current Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Debt-to-Equity Ratio (MRQ)

FI

1.17

Financial Services Industry

Max: 4.96
Q3: 2.10
Median: 0.57
Q1: 0.12
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Financial Services industry.

SNOW

0.94

IT Services Industry

Max: 2.33
Q3: 1.17
Median: 0.54
Q1: 0.15
Min: 0.00

SNOW’s Debt-to-Equity Ratio of 0.94 is typical for the IT Services industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.

FI vs. SNOW: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Interest Coverage Ratio (TTM)

FI

4.56

Financial Services Industry

Max: 136.23
Q3: 56.08
Median: 6.55
Q1: 2.01
Min: -33.27

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Financial Services industry.

SNOW

IT Services Industry

Max: 144.50
Q3: 84.49
Median: 13.76
Q1: 2.59
Min: -28.13

Interest Coverage Ratio data for SNOW is currently unavailable.

FI vs. SNOW: A comparison of their Interest Coverage Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Financial Strength at a Glance

Symbol	FI	SNOW
Current Ratio (MRQ)	1.09	1.58
Quick Ratio (MRQ)	0.93	1.50
Debt-to-Equity Ratio (MRQ)	1.17	0.94
Interest Coverage Ratio (TTM)	4.56	--

Growth

Revenue Growth

FI vs. SNOW: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

FI vs. SNOW: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

FI

0.00%

Financial Services Industry

Max: 8.18%
Q3: 3.60%
Median: 1.56%
Q1: 0.00%
Min: 0.00%

FI currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

SNOW

0.00%

IT Services Industry

Max: 2.80%
Q3: 1.74%
Median: 0.62%
Q1: 0.00%
Min: 0.00%

SNOW currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.

FI vs. SNOW: A comparison of their Dividend Yield (TTM) against their respective Financial Services and IT Services industry benchmarks.

Dividend Payout Ratio (TTM)

FI

0.00%

Financial Services Industry

Max: 155.56%
Q3: 63.71%
Median: 18.08%
Q1: 0.00%
Min: 0.00%

FI has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

SNOW

0.00%

IT Services Industry

Max: 147.75%
Q3: 63.58%
Median: 24.63%
Q1: 0.00%
Min: 0.00%

SNOW has a Dividend Payout Ratio of 0%, indicating it does not currently pay a dividend. This is a common strategy for growth-oriented companies that reinvest all profits back into the business.

FI vs. SNOW: A comparison of their Dividend Payout Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Dividend at a Glance

Symbol	FI	SNOW
Dividend Yield (TTM)	0.00%	0.00%
Dividend Payout Ratio (TTM)	0.00%	0.00%

Valuation

Price-to-Earnings Ratio (TTM)

FI

21.61

Financial Services Industry

Max: 63.23
Q3: 32.10
Median: 14.41
Q1: 10.81
Min: 0.37

FI’s P/E Ratio of 21.61 is within the middle range for the Financial Services industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

SNOW

IT Services Industry

Max: 41.55
Q3: 31.54
Median: 23.25
Q1: 18.12
Min: 6.57

P/E Ratio data for SNOW is currently unavailable.

FI vs. SNOW: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Price-to-Sales Ratio (TTM)

FI

3.46

Financial Services Industry

Max: 11.16
Q3: 5.45
Median: 2.61
Q1: 1.25
Min: 0.04

The P/S Ratio is often not a primary valuation tool in the Financial Services industry.

SNOW

16.99

IT Services Industry

Max: 6.61
Q3: 4.37
Median: 2.02
Q1: 1.20
Min: 0.19

With a P/S Ratio of 16.99, SNOW trades at a valuation that eclipses even the highest in the IT Services industry. This implies the market has priced in exceptionally optimistic scenarios for future revenue growth, posing considerable valuation risk.

FI vs. SNOW: A comparison of their Price-to-Sales Ratio (TTM) against their respective Financial Services and IT Services industry benchmarks.

Price-to-Book Ratio (MRQ)

FI

3.79

Financial Services Industry

Max: 7.09
Q3: 3.79
Median: 1.46
Q1: 0.83
Min: 0.04

FI’s P/B Ratio of 3.79 is within the conventional range for the Financial Services industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

SNOW

22.13

IT Services Industry

Max: 11.19
Q3: 6.38
Median: 3.47
Q1: 2.31
Min: 0.96

At 22.13, SNOW’s P/B Ratio is at an extreme premium to the IT Services industry. This signifies that the market’s valuation is heavily reliant on future potential rather than its current net asset value, which can be a high-risk proposition.

FI vs. SNOW: A comparison of their Price-to-Book Ratio (MRQ) against their respective Financial Services and IT Services industry benchmarks.

Valuation at a Glance

Symbol	FI	SNOW
Price-to-Earnings Ratio (TTM)	21.61	--
Price-to-Sales Ratio (TTM)	3.46	16.99
Price-to-Book Ratio (MRQ)	3.79	22.13
Price-to-Free Cash Flow Ratio (TTM)	14.16	88.65