Paul Todd

“I will cover details on total company and segment performance in the third quarter and our guidance for 2026. Beginning on slide five, total company Q3 adjusted revenue was $4.85 billion, a 1% decrease compared to the prior year and within our guidance range of low single-digit percent decline.”

“I mean, and Takas may want to add, but as we said at Investor Day, you know, if you look at our cost base being roughly 60% fixed, from a structural standpoint, it lends itself to natural operating leverage of roughly 50 basis points.”

“I will cover details on total company and segment performance in the second quarter and our guidance for 2026. Beginning on slide five, total company Q2 adjusted and organic revenue was $4.96 billion, a decrease of 4% and 5% respectively compared to the prior year period.”

“Well, good morning and welcome, everyone. I'm Paul Todd, the Chief Financial Officer here at Fiserv. It's great to be here and see a number of familiar faces in the audience here from my past.”

“I will cover details on total company and segment performance in the first quarter and reiterate our guidance for 2026.”