Is FISV or TWLO cheaper?

On trailing earnings, FISV is cheaper: FISV trades at a 8.45 P/E and TWLO at 301.06.

Which has grown faster, FISV or TWLO?

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

Is FISV or TWLO more profitable?

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

Which has been the better investment, FISV or TWLO?

Over the past 5-year, FISV delivered the higher annualized total return — FISV at -0.15% versus TWLO at -12.05%. Past performance doesn't predict future results.

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

FISV leads on 10 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 17, 2026. The ● marks the stronger figure on each row (cheaper multiple, higher margin/return).

Total return — FISV vs TWLO

growth of $100 · last 10y

FISV -1.5%TWLO +559.7%TWLO compounded faster

Log scale — wide-divergence pair

FISV TWLO

FISV vs TWLO: by the numbers

•TWLO is the larger company ($28.91B vs $27.36B market cap).
•FISV trades at the lower earnings multiple (8.45 vs 301.06 P/E).
•FISV 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, FISV or TWLO?

Metric tally: FISV 10 · TWLO 2

It depends on what you're optimizing for:

ValueFISV(lower P/E)

GrowthTWLO(faster 5Y revenue CAGR)

QualityFISV(higher ROIC)

Metrics side by side

Valuation

Metric	FISV	TWLO
P/E ratio	8.45●	301.06
Forward P/E	5.58	—
P/S ratio	1.27●	5.73
P/B ratio	1.02●	3.91
PEG ratio	0.62	—
EV / EBITDA	6.98●	99.50
FCF yield	15.58%●	3.25%

Profitability

Metric	FISV	TWLO
Gross margin	58.07%●	48.69%
Operating margin	24.38%●	4.89%
Net margin	15.17%●	1.96%
ROE	12.21%●	1.34%
ROIC	8.03%●	1.20%

Growth (annualized)

Metric	FISV	TWLO
Revenue CAGR (5Y)	7.29%	21.69%●
EPS CAGR (5Y)	34.70%	—
FCF CAGR (5Y)	4.58%	—
Total return CAGR (5Y)	-13.96%	-12.05%●

Frequently asked

Which is better, FISV or TWLO?: It depends on your goal. value: FISV (lower P/E); growth: TWLO (faster 5Y revenue CAGR); quality: FISV (higher ROIC). Across all compared metrics, FISV leads 10 to 2.
Is FISV or TWLO cheaper?: On trailing earnings, FISV is cheaper: FISV trades at a 8.45 P/E and TWLO at 301.06.
Which has grown faster, FISV or TWLO?: Over the past five years, TWLO grew revenue faster — FISV at a 7.29% CAGR versus TWLO at 21.69%.
Is FISV or TWLO more profitable?: FISV runs the higher net margin — FISV at 15.17% versus TWLO at 1.96%.
Which has been the better investment, FISV or TWLO?: Over the past 5-year, FISV delivered the higher annualized total return — FISV at -0.15% versus TWLO at -12.05%. Past performance doesn't predict future results.

Go deeper

Full FISV 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 17, 2026.