FISV vs. AAPL
FISV (Fiserv, Inc) and AAPL (Apple Inc) are both stocks. Both are in the Technology sector — FISV in Software - Application, AAPL in Consumer Electronics. Over the past 10 years, FISV returned 0.17%/yr vs 29.36%/yr for AAPL. At a 0.30 correlation, their price movements are largely independent.
Performance
FISV vs. AAPL - Performance Comparison
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Returns By Period
In the year-to-date period, FISV achieves a -19.93% return, which is significantly lower than AAPL's 7.29% return. Over the past 10 years, FISV has underperformed AAPL with an annualized return of 0.17%, while AAPL has yielded a comparatively higher 29.36% annualized return.
FISV
- 1D
- 1.36%
- 1M
- 2.69%
- YTD
- -19.93%
- 6M
- -21.77%
- 1Y
- -67.99%
- 3Y*
- -23.21%
- 5Y*
- -13.37%
- 10Y*
- 0.17%
AAPL
- 1D
- -1.52%
- 1M
- -2.59%
- YTD
- 7.29%
- 6M
- 4.81%
- 1Y
- 46.73%
- 3Y*
- 17.21%
- 5Y*
- 18.59%
- 10Y*
- 29.36%
FISV vs. AAPL - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
FISV Fiserv, Inc | -19.93% | -67.30% | 54.64% | 31.43% | -2.62% | -8.84% | -1.53% | 57.34% | 12.09% | 23.38% |
AAPL Apple Inc | 7.29% | 9.05% | 30.71% | 49.01% | -26.40% | 34.65% | 82.31% | 88.96% | -5.39% | 48.46% |
Correlation
The correlation between FISV and AAPL is 0.12, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.12 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.17 |
Correlation (5Y) Calculated over the trailing 5-year period | 0.31 |
Correlation (10Y) Calculated over the trailing 10-year period | 0.35 |
Correlation (All Time) Calculated using the full available price history since Mar 26, 1990 | 0.30 |
The correlation between FISV and AAPL shifts across timeframes, from 0.12 (1 year) to 0.35 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
FISV:
$28.79B
AAPL:
$4.30T
FISV:
$5.91
AAPL:
$8.24
FISV:
9.10
AAPL:
35.35
FISV:
0.25
AAPL:
4.65
FISV:
1.38
AAPL:
9.60
FISV:
1.10
AAPL:
40.37
FISV:
$21.09B
AAPL:
$451.44B
FISV:
$9.52B
AAPL:
$216.07B
FISV:
$7.75B
AAPL:
$153.63B
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Return for Risk
FISV vs. AAPL — Risk / Return Rank
FISV
AAPL
FISV vs. AAPL - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Fiserv, Inc (FISV) and Apple Inc (AAPL). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| FISV | AAPL | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -3.29 | ||
| Sortino ratioReturn per unit of downside risk | -4.72 | ||
| Omega ratioGain probability vs. loss probability | 0.64 | 1.38 | -0.73 |
| Calmar ratioReturn relative to maximum drawdown | -0.97 | 3.40 | -4.37 |
| Martin ratioReturn relative to average drawdown | -1.29 | 8.47 | -9.76 |
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Drawdowns
FISV vs. AAPL - Drawdown Comparison
The maximum FISV drawdown since its inception was -77.98%, roughly equal to the maximum AAPL drawdown of -81.80%. Use the drawdown chart below to compare losses from any high point for FISV and AAPL.
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Drawdown Indicators
| FISV | AAPL | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.98% | -81.80% | +3.82% |
Max Drawdown (1Y)Largest decline over 1 year | -70.17% | -13.80% | -56.37% |
Max Drawdown (3Y)Largest decline over 3 years | -77.98% | -33.36% | -44.62% |
Max Drawdown (5Y)Largest decline over 5 years | -77.98% | -33.36% | -44.62% |
Max Drawdown (10Y)Largest decline over 10 years | -77.98% | -38.52% | -39.46% |
Current DrawdownCurrent decline from peak | -77.38% | -7.64% | -69.74% |
Average DrawdownAverage peak-to-trough decline | -11.18% | -29.59% | +18.41% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 52.85% | 5.53% | +47.32% |
Volatility
FISV vs. AAPL - Volatility Comparison
Fiserv, Inc (FISV) has a higher volatility of 11.15% compared to Apple Inc (AAPL) at 6.73%. This indicates that FISV's price experiences larger fluctuations and is considered to be riskier than AAPL based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| FISV | AAPL | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 11.15% | 6.73% | +4.42% |
Volatility (6M)Calculated over the trailing 6-month period | 26.49% | 16.53% | +9.96% |
Volatility (1Y)Calculated over the trailing 1-year period | 55.98% | 22.64% | +33.34% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 35.61% | 27.52% | +8.09% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 31.62% | 28.92% | +2.70% |
Dividends
FISV vs. AAPL - Dividend Comparison
FISV has not paid dividends to shareholders, while AAPL's dividend yield for the trailing twelve months is around 0.36%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
AAPL Apple Inc | 0.36% | 0.38% | 0.40% | 0.49% | 0.70% | 0.49% | 0.61% | 1.04% | 1.79% | 1.45% | 1.93% | 1.93% |
FISV Fiserv, Inc | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Financials
FISV vs. AAPL - Financials Comparison
This section allows you to compare key financial metrics between Fiserv, Inc and Apple Inc. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
FISV vs. AAPL - Profitability Comparison
FISV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported a gross profit of 0.00 and revenue of 5.03B. Therefore, the gross margin over that period was 0.0%.
AAPL - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Apple Inc reported a gross profit of 54.78B and revenue of 111.18B. Therefore, the gross margin over that period was 49.3%.
FISV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported an operating income of 918.00M and revenue of 5.03B, resulting in an operating margin of 18.3%.
AAPL - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Apple Inc reported an operating income of 35.89B and revenue of 111.18B, resulting in an operating margin of 32.3%.
FISV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Fiserv, Inc reported a net income of 571.00M and revenue of 5.03B, resulting in a net margin of 11.4%.
AAPL - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Apple Inc reported a net income of 29.58B and revenue of 111.18B, resulting in a net margin of 26.6%.
Frequently Asked Questions
FISV and AAPL have a correlation of 0.12, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
FISV has higher volatility (11.15%) compared to AAPL (6.73%). In terms of maximum drawdown, FISV dropped -77.98% vs AAPL's -81.80%.
AAPL currently has the higher Sharpe Ratio (2.07 vs -1.22), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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