FISV · Fiserv Inc
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AI Brief
Q2 FY26 earnings call · Aug 6, 2026TL;DR. Fiserv cut full-year 2026 organic revenue guidance to (1%) to 0% and adjusted EPS to $7.20-$7.40, citing delayed client ramps, weaker hardware sales, Argentina anticipation headwinds, and an incremental ~$100M technology investment, while reaffirming medium-term targets of 50bps annual margin expansion and double-digit adjusted EPS growth from 2027-2029.
- + Q2 free cash flow exceeded $1 billion with 112% conversion, and full-year FCF conversion target of ~90% maintained.
- + Clover GPV grew 9% (11% ex-gateway conversion) and Clover revenue grew 13% excluding anticipation, with medium-term outlook of 15-20% growth reaffirmed.
- + Completed MoneyPass Group joint venture and is pursuing further divestitures of non-core businesses, with proceeds earmarked for capital return and delevering.
- + Reiterated medium-term targets of ~50bps annual adjusted operating margin expansion starting 2027 and >200bps total margin expansion from Project Elevate by 2029.
- − Cut 2026 organic revenue growth outlook to (1%) to 0% and adjusted EPS to $7.20-$7.40, well below prior Investor Day mid-term trajectory.
- − Adjusted operating margin guidance cut to 31-31.5% for 2026, with 50bps pressure from incremental ~$100M technology investment.
- − Argentina macro and hardware market dynamics drove 90bps revenue and 60bps margin headwinds, with reported Clover revenue growth cut to mid-single digits for 2026.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong SellIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FISV | +0.8% | -5.3% | -11.2% | -7.5% | -26.6% |
| SPY | +0.6% | -0.8% | +18.2% | -0.6% | +11.8% |
| vs SPY | +0.1% | -4.5% | -29.5% | -6.9% | -38.4% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.