Fiserv (FISV) RSU sell-vs-hold
Calculator · free · no signup · FISVSell at vest or hold? Compare after-tax payout from selling Fiserv RSUs at vest vs. holding through the LTCG cliff at 12 months.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your vest
Tax inputs
Hold strategy
Best after-tax payout — at year 1 yr
$47,709
Sell + invest wins by $4,981 over Hold 1 yr.
Estimates only. Not financial advice.
Heads-up: under-withholding. Your employer withholds federal tax at the IRS supplemental rate (22.0% on this vest, ≈ $17,600). Your marginal federal rate on this vest is 32.7%, owing $26,171. Expect to settle the $8,571 gap at tax time.
The hidden purchase
Tax was paid at vest either way. Holding is mathematically equivalent to taking $44,509 in after-tax cash and buying $44,509 of FISV today.
Most diversification frameworks would advise against a purchase that size in a single name; the right answer depends on your conviction in FISV. Holding past one year converts the gain to LTCG.
Sell + invest
Best payout| Vest value (shares × price) | $80,000 |
| Federal | |
| State | |
| Medicare | −$1,160 |
| Additional Medicare | −$720 |
| Market gain over 1 yr at 10.0% | $4,451 |
| Cap-gain tax on diversified gain — LTCG (federal + state + NIIT) | −$1,251 |
| Net at year 1 yr | $47,709 |
Sell every share at vest; invest the after-tax cash at the market return for 1 yr, then liquidate. Diversified — no single-stock concentration risk.
Hold 1 yr
| Vest value (shares × price) | $80,000 |
| Vest tax (federal + state + FICA) | |
| Net at year 1 yr | $42,728 |
Sold 444 shares to cover vest tax (net-settled); kept 556 shares 1 yr to qualify for long-term capital gains.
Social Security + Medicare are payroll taxes (collectively called FICA) — they apply because you're still employed at vest.
Both columns are stated in year-1 yr dollars. The sell side compounds at the market return; the hold side compounds at your single-stock expected return after a 20% volatility drag.
Estimates only. Assumes net-settled (sell-to-cover) vesting; double-trigger and pre-IPO RSUs are out of scope. Excludes multi-state moves, AMT interactions on other equity, and 83(b) elections. Not financial advice.
You evaluated one RSU vest. The beta plans every vest of every grant across years, with concentration and AMT in the loop.
Request beta access →Related calculators: RSU Lot Order Calculator · Stock Concentration 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.
Fiserv (FISV) RSUs vest as ordinary income at the price on vest day. The decision is whether to sell at vest and reinvest, or hold the shares through the 12-month LTCG cliff. This calculator runs both paths through the same after-tax math so you can compare like-for-like.
Example: 500 Fiserv (FISV) RSUs vesting at $51.72 per share is $25,860 of ordinary income on vest day. After roughly 32% combined federal + state + FICA (~$8,275), the post-tax share value is ~$17,585. Holding 12 months for long-term capital-gains treatment then only matters for the price change between vest and sale; the ordinary income at vest is already locked in. The calculator runs both paths through the same after-tax math.
All Fiserv tools → · Use the generic RSU Sell-vs-Hold Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Fiserv equity questions
- Should I sell or hold my Fiserv RSUs at vest?
- Fiserv restricted stock units (RSUs) are taxed as ordinary income on their value at vest whether or not you sell. The only open decision is what to do with the shares afterward: sell at vest and reinvest, or hold past twelve months for long-term capital-gains treatment on any further gain. The calculator above runs both paths through the same after-tax math so you can compare them directly.
- 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.
Find another companyFintech peers
One piece of the puzzle.
OptionsAhoy plans your Fiserv equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.