FI vs. ZM: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at FI and ZM, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
| Symbol | FI | ZM |
|---|---|---|
| Company Name | Fiserv, Inc. | Zoom Communications Inc. |
| Country | United States | United States |
| GICS Sector | Financials | Information Technology |
| GICS Industry | Financial Services | Software |
| Market Capitalization | 76.08 billion USD | 21.83 billion USD |
| Exchange | NYSE | NasdaqGS |
| Listing Date | September 25, 1986 | April 18, 2019 |
| Security Type | Common Stock | Common Stock |
Historical Performance
This chart compares the performance of FI and ZM 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.
Historical Performance at a Glance
| Symbol | FI | ZM |
|---|---|---|
| 5-Day Price Return | 3.97% | 0.42% |
| 13-Week Price Return | -17.25% | -13.38% |
| 26-Week Price Return | -39.11% | -15.27% |
| 52-Week Price Return | -16.65% | 20.63% |
| Month-to-Date Return | 0.73% | -2.55% |
| Year-to-Date Return | -31.87% | -11.58% |
| 10-Day Avg. Volume | 4.16M | 2.71M |
| 3-Month Avg. Volume | 5.44M | 2.64M |
| 3-Month Volatility | 34.38% | 21.48% |
| Beta | 0.98 | 0.78 |
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.
ZM
11.97%
Software Industry
- Max
- 59.01%
- Q3
- 21.98%
- Median
- 7.15%
- Q1
- -11.12%
- Min
- -51.24%
ZM’s Return on Equity of 11.97% is on par with the norm for the Software industry, indicating its profitability relative to shareholder equity is typical for the sector.
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.
ZM
22.31%
Software Industry
- Max
- 48.14%
- Q3
- 18.23%
- Median
- 5.60%
- Q1
- -9.22%
- Min
- -49.36%
A Net Profit Margin of 22.31% places ZM in the upper quartile for the Software industry, signifying strong profitability and more effective cost management than most of its peers.
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.
ZM
18.13%
Software Industry
- Max
- 57.34%
- Q3
- 20.60%
- Median
- 7.84%
- Q1
- -8.72%
- Min
- -51.37%
ZM’s Operating Profit Margin of 18.13% is around the midpoint for the Software industry, indicating that its efficiency in managing core business operations is typical for the sector.
Profitability at a Glance
| Symbol | FI | ZM |
|---|---|---|
| Return on Equity (TTM) | 12.76% | 11.97% |
| Return on Assets (TTM) | 4.24% | 9.72% |
| Net Profit Margin (TTM) | 16.01% | 22.31% |
| Operating Profit Margin (TTM) | 29.43% | 18.13% |
| Gross Profit Margin (TTM) | 61.14% | 75.85% |
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.
ZM
4.57
Software Industry
- Max
- 3.83
- Q3
- 2.31
- Median
- 1.45
- Q1
- 1.03
- Min
- 0.24
ZM’s Current Ratio of 4.57 is exceptionally high, placing it well outside the typical range for the Software industry. This indicates a very strong liquidity position, though such a high ratio may also suggest that the company is not using its assets efficiently to generate profits.
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.
ZM
0.00
Software Industry
- Max
- 2.14
- Q3
- 0.90
- Median
- 0.29
- Q1
- 0.00
- Min
- 0.00
ZM’s Debt-to-Equity Ratio of 0.00 is typical for the Software industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
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.
ZM
7.63
Software Industry
- Max
- 67.02
- Q3
- 19.86
- Median
- 0.70
- Q1
- -12.50
- Min
- -53.00
ZM’s Interest Coverage Ratio of 7.63 is positioned comfortably within the norm for the Software industry, indicating a standard and healthy capacity to cover its interest payments.
Financial Strength at a Glance
| Symbol | FI | ZM |
|---|---|---|
| Current Ratio (MRQ) | 1.09 | 4.57 |
| Quick Ratio (MRQ) | 0.93 | 4.47 |
| Debt-to-Equity Ratio (MRQ) | 1.17 | 0.00 |
| Interest Coverage Ratio (TTM) | 4.56 | 7.63 |
Growth
Revenue Growth
EPS Growth
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.
ZM
0.00%
Software Industry
- Max
- 0.08%
- Q3
- 0.03%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ZM 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.
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.
ZM
0.00%
Software Industry
- Max
- 1.32%
- Q3
- 0.53%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
ZM 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.
Dividend at a Glance
| Symbol | FI | ZM |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 0.00% |
| Dividend Payout Ratio (TTM) | 0.00% | 0.00% |
Valuation
Price-to-Earnings Ratio (TTM)
FI
22.38
Financial Services Industry
- Max
- 63.23
- Q3
- 32.10
- Median
- 14.41
- Q1
- 10.81
- Min
- 0.37
FI’s P/E Ratio of 22.38 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.
ZM
21.69
Software Industry
- Max
- 149.35
- Q3
- 100.21
- Median
- 47.97
- Q1
- 26.77
- Min
- 11.68
In the lower quartile for the Software industry, ZM’s P/E Ratio of 21.69 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.
Price-to-Sales Ratio (TTM)
FI
3.58
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.
ZM
4.84
Software Industry
- Max
- 25.24
- Q3
- 13.52
- Median
- 8.15
- Q1
- 4.87
- Min
- 0.98
In the lower quartile for the Software industry, ZM’s P/S Ratio of 4.84 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.
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.
ZM
2.66
Software Industry
- Max
- 30.95
- Q3
- 14.91
- Median
- 7.75
- Q1
- 3.60
- Min
- 0.38
ZM’s P/B Ratio of 2.66 is in the lower quartile for the Software industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.
Valuation at a Glance
| Symbol | FI | ZM |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 22.38 | 21.69 |
| Price-to-Sales Ratio (TTM) | 3.58 | 4.84 |
| Price-to-Book Ratio (MRQ) | 3.79 | 2.66 |
| Price-to-Free Cash Flow Ratio (TTM) | 14.67 | 13.36 |