Fiserv (FISV) Stock Concentration Calculator
Calculator · free · no signup · FISVQuantify Fiserv concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Fiserv
Fiserv (FISV) is a public Fintech company, incorporated in Wisconsin and headquartered in Milwaukee, WI.
Last close: $51.72 per share (as of 2026-08-18).
Equity grants at Fiserv typically include restricted stock units (RSUs).
Fiserv, Inc. is an American multinational financial technology company headquartered in Milwaukee, Wisconsin. The company processes debit and credit card transactions, loyalty programs, loans, electronic bill pay, wires and ACH transfers, check deposits, and ATM transactions on behalf of banking institutions. The company also produces debit and credit cards and point of sale terminals.
Source: Wikipedia (CC BY-SA 4.0)
Founded in 1984 and transformed by the 2019 purchase of First Data, the company processes card transactions for merchants and runs the core banking systems that thousands of financial institutions depend on. Both halves are infrastructure: replacing a bank's core processing system is a multi-year project institutions avoid, and merchant acquiring earns a fraction of every transaction processed. The Clover point-of-sale platform moved the company into selling directly to small businesses. Payment volume growth rather than pricing drives revenue. Headquarters are in Milwaukee.
Sources: sec.gov · en.wikipedia.org
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Fiserv.
If a meaningful share of your net worth sits in FISV, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with FISV's option-implied volatility.
Example: 5,000 FISV shares at $51.72 is a $258,600 position. A 30% drawdown costs $77,580; a 50% drawdown costs $129,300; a 70% drawdown costs $181,020. The calculator quantifies the trade-off between selling down (immediate capital-gains tax) and hedging (option premium drag) using FISV's option-implied volatility and your cost basis.
All Fiserv tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Fiserv equity questions
- How much FISV stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your FISV position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Fiserv grant ISOs, NSOs, or RSUs?
- Equity compensation at Fiserv typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
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OptionsAhoy plans your Fiserv equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.