Is FI or TWLO cheaper?

On trailing earnings, FI is cheaper: FI trades at a 10.16 P/E and TWLO at 318.88.

Which has grown faster, FI or TWLO?

Over the past five years, TWLO grew revenue faster — FI at a 7.29% CAGR versus TWLO at 21.69%.

Is FI or TWLO more profitable?

FI runs the higher net margin — FI at 15.17% versus TWLO at 1.96%.

Which has been the better investment, FI or TWLO?

Over the past 5-year, FI delivered the higher annualized total return — FI at 3.34% versus TWLO at -9.31%. Past performance doesn't predict future results.

Fiserv, Inc. (FI) vs Twilio Inc. (TWLO)

FI leads on 9 of 12 compared metrics.

A side-by-side comparison of Fiserv, Inc. and Twilio Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of June 14, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

Total return — FI vs TWLO

growth of $100 · last 9y

FI +24.5%TWLO +352.0%TWLO compounded faster

FI TWLO

FI vs TWLO: by the numbers

•FI is the larger company ($34.31B vs $30.97B market cap).
•FI trades at the lower earnings multiple (10.16 vs 318.88 P/E).
•FI converts more revenue to profit (15.17% vs 1.96% net margin).
•TWLO grew revenue faster over the past five years (21.69% vs 7.29% CAGR).

Which is better, FI or TWLO?

Metric tally: FI 9 · TWLO 3

It depends on what you're optimizing for:

ValueFI(lower P/E)

GrowthTWLO(faster 5Y revenue CAGR)

QualityFI(higher ROIC)

Valuation

Metric	FI	TWLO
P/E ratio	10.16●	318.88
Forward P/E	7.69	—
P/S ratio	1.68●	6.07
P/B ratio	1.42●	4.14
PEG ratio	0.60	—
EV / EBITDA	7.32●	105.29
FCF yield	16.67%●	3.07%

Profitability

Metric	FI	TWLO
Gross margin	30.86%	48.69%●
Operating margin	25.32%●	4.89%
Net margin	15.17%●	1.96%
ROE	12.20%●	1.34%
ROIC	10.12%●	1.20%

Growth (annualized)

Metric	FI	TWLO
Revenue CAGR (5Y)	7.29%	21.69%●
EPS CAGR (5Y)	34.70%	—
FCF CAGR (5Y)	13.82%	—
Total return CAGR (5Y)	-11.04%	-9.31%●

Frequently asked

Which is better, FI or TWLO?: It depends on your goal. value: FI (lower P/E); growth: TWLO (faster 5Y revenue CAGR); quality: FI (higher ROIC). Across all compared metrics, FI leads 9 to 3.
Is FI or TWLO cheaper?: On trailing earnings, FI is cheaper: FI trades at a 10.16 P/E and TWLO at 318.88.
Which has grown faster, FI or TWLO?: Over the past five years, TWLO grew revenue faster — FI at a 7.29% CAGR versus TWLO at 21.69%.
Is FI or TWLO more profitable?: FI runs the higher net margin — FI at 15.17% versus TWLO at 1.96%.
Which has been the better investment, FI or TWLO?: Over the past 5-year, FI delivered the higher annualized total return — FI at 3.34% versus TWLO at -9.31%. Past performance doesn't predict future results.

Go deeper

Full FI analysis Full TWLO analysis Interactive comparison tool

Dig into the metrics

Fiserv P/E ratio Twilio P/E ratio Fiserv dividend yield Twilio dividend yield Fiserv ROE Twilio ROE Fiserv operating margin Twilio operating margin Fiserv revenue growth Twilio revenue growth Fiserv free cash flow Twilio free cash flow

Fiserv & Twilio appear in these rankings

Fastest Revenue Growth Stocks Highest FCF Yield Stocks Lowest P/E Ratio Stocks

Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified June 14, 2026.