Which has the lower trailing P/E, FISV or TWLO?

FISV has the lower trailing P/E: FISV trades at 9.14 and TWLO at 308.36. P/E is one valuation measure and does not by itself establish which business is cheaper.

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%.

How have FISV and TWLO total returns compared?

Over the past 10 years, FISV delivered -0.23% and TWLO delivered 17.11% annualized total return. Past performance doesn't predict future results.

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

A side-by-side comparison of Fiserv, Inc. and Twilio Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of August 1, 2026. Differences are shown without an overall score or investment verdict.

FISV

Fiserv, Inc.

$28.76B

$53.94TechnologyAt close: Jul 31, 2026, 4:00 PM ET

TWLO

Twilio Inc.

$29.95B

$197.35TechnologyAt close: Jul 31, 2026, 4:00 PM ET

Total return — FISV vs TWLO

growth of $100 · dividends reinvested · last 10y

FISV +2.0%TWLO +585.5%TWLO compounded faster

Log scale — wide-divergence pair

FISV TWLO

FISV vs TWLO: by the numbers

•TWLO is the larger company ($29.95B vs $28.76B market cap).
•FISV trades at the lower trailing earnings multiple (9.14 vs 308.36 P/E), one valuation lens rather than an overall verdict.
•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).

Metrics side by side

Valuation

Metric	FISV	TWLO
P/E ratio	9.14	308.36
Forward P/E	6.65	N/A
P/S ratio	1.37	5.87
P/B ratio	1.10	4.00
PEG ratio	0.62	N/A
EV / EBITDA	6.87	72.07
FCF yield	14.39%	3.17%

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%	N/A
FCF CAGR (5Y)	4.58%	N/A
Total return CAGR (5Y)	-14.06%	-11.98%

Frequently asked

Which has the lower trailing P/E, FISV or TWLO?: FISV has the lower trailing P/E: FISV trades at 9.14 and TWLO at 308.36. P/E is one valuation measure and does not by itself establish which business is cheaper.
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%.
How have FISV and TWLO total returns compared?: Over the past 10 years, FISV delivered -0.23% and TWLO delivered 17.11% annualized total return. 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 Highest 10-Year Total Return 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 August 1, 2026.