Fiserv At A Crossroads: Clarity Expected By Late December

Fiserv (NYSE:FI), when analyzed using the Adhishthana Principles, appears to be at a key crossroads. While the weekly and monthly charts both follow the framework, they offer different signals for what may lie ahead. Here’s a breakdown.

Weekly Chart Outlook: Fiserv Enters Its Final Phase

On the weekly chart, Fiserv has just entered Phase 18, the final step in the 18-Phase Adhishthana Cycle. The cycle began in July 2013, and the current phase will end on December 20, 2026.

According to the principles, Phases 14 to 16, collectively known as the Guna Triads, determine whether a stock achieves Nirvana in Phase 18. For Nirvana to occur, Satoguna or a clean, decisive bullish trend must be present in the triads.

In Fiserv's case, Phases 14 and 16 both contained Satoguna, which sets a structural foundation for a potential move toward new all-time highs during this final phase.

Monthly Chart Outlook: Signs of a Peak?

On the monthly chart, Fiserv is currently in Phase 11, and the structure tells a different story.

Between Phases 4 and 8, the stock formed a typical Adhishthana Cakra, a sideways arc or channel, which it broke out of in Phase 9. That breakout launched the Adhishthana Himalayan formation, with the stock rallying ~96% in Phase 9 and another ~113% in Phase 10.

"The 18th interval is expected to be the level of peak formation; if not, then the 23rd interval. If this phase concludes without forming the peak, it is anticipated to occur in the following phases." – Adhishthana: The Principles That Govern Wealth, Time & Tragedy

In Fiserv's case, Phase 10 ended without a peak. The rally extended into Phase 11, where the stock climbed another ~175%, likely forming a peak around the $238 mark. Since then, Fiserv has corrected by 40-45%, signaling that a peak may have been set and the stock is now in the descent leg of its Himalayan formation.

This steep correction aligns with a pattern referred to as the Wrath of Ganga, a phase of aggressive downside movement following the Himalayan peak.

Investor Outlook: Mixed Signals Ahead

With the weekly chart suggesting a Nirvana move is structurally in place, and the monthly chart implying that a peak may already have formed, Fiserv is at a technical and psychological crossroads.

Adding to this complexity is a recent investigation into potential federal securities law violations. While JPMorgan remains overweight on the stock (with a lowered price target), and Morgan Stanley maintains a similar stance, the uncertainty continues.

Investors should closely watch the $125.05 level, which marks the Phase 10 high on the monthly chart. If this level holds or breaks decisively, it could help confirm whether the current action is indeed a correction or the beginning of a larger move.

Clarity should begin to emerge by December 21, 2025, when the first tranche of weekly Phase 18 completes.

Benzinga Disclaimer: This article is from an unpaid external contributor. It does not represent Benzinga’s reporting and has not been edited for content or accuracy.