{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "5c2fa530-3b61-454b-863c-315152dbb862",
    "symbol": "FISV",
    "name": "Fiserv, Inc. Common Stock",
    "exchange": "NASDAQ",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Technology",
    "industry": "Software",
    "chart_url": "https://sharemaestro.com/terminal/5c2fa530-3b61-454b-863c-315152dbb862/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "5c2fa530-3b61-454b-863c-315152dbb862",
      "symbol": "FISV",
      "name": "Fiserv, Inc. Common Stock",
      "exchange": "NASDAQ",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Technology",
      "industry": "Software",
      "chart_url": "https://sharemaestro.com/terminal/5c2fa530-3b61-454b-863c-315152dbb862/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "FISV",
    "market_cap_usd": 29025014457.98,
    "price": 53.779999,
    "currency": "USD",
    "dividend_yield": 0.0,
    "dividend_years": 0,
    "dividend_growth_5y": null,
    "dividend_cut_5y": false,
    "payout_ratio": null,
    "net_income": 3480000000.0,
    "free_cash_flow": 4299000000.0,
    "fcf_covers_dividend": null,
    "debt_to_equity": 1.12914857,
    "revenue_growth_5y": 0.07369641,
    "net_margin": 0.15173068,
    "roe": 0.12213274,
    "pe_ratio": 9.115253,
    "price_vs_ma": -0.11915007,
    "return_3y": -0.55365591,
    "return_5y": -0.50656024,
    "max_drawdown": -0.77181892,
    "scores": {
      "dividend_reliability": 0.0,
      "dividend_sustainability": 8.5,
      "business_quality": 24.0,
      "valuation": 8.0,
      "trend": 0.0,
      "total": 40.5,
      "confidence": 74.0
    },
    "rating": "avoid",
    "rating_label": "Avoid",
    "decision": "insufficient_data",
    "decision_label": "Insufficient Data",
    "warnings": [
      "No usable dividend history found.",
      "Payout ratio unavailable."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/5c2fa530-3b61-454b-863c-315152dbb862/",
      "chart": "https://sharemaestro.com/terminal/5c2fa530-3b61-454b-863c-315152dbb862/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 0.0,
    "dividend_sustainability": 8.5,
    "business_quality": 24.0,
    "valuation": 8.0,
    "trend": 0.0,
    "total": 40.5,
    "confidence": 74.0
  },
  "warnings": [
    "No usable dividend history found.",
    "Payout ratio unavailable."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "FISV",
      "exchange": "NASDAQ",
      "headline": "FISV dividend review warning",
      "detail": "Payout ratio unavailable.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/5c2fa530-3b61-454b-863c-315152dbb862/"
    }
  ]
}