FISV · Fiserv Inc · Financials

$63.25 +0.37 (+0.58%) Play latest call Q3 2026 earnings call transcript

S&P 500 member Russell 1000 member Rebalance outlook locked

Market Cap

$33.46B

532.05M

Volume · Nov 9 1.54M Avg daily vol (3M) 7.01M

Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.

Pull these statements through the financial statements API or MCP →

Revenue

$21.19B +3.6%

FY2025

Net Income

$3.48B +11.1%

FY2025

Gross Margin

87.21% +0.1pp

FY2018

Operating Margin

27.45% -1.3pp

FY2025

Diluted EPS

$6.34 +17.8%

FY2025

Operating Cash Flow

$6.06B -8.6%

FY2025

Chart any reported metric, KPI or segment over time — the full statement history lives here

Income Statement Balance Sheet Cash Flow Adjusted All Metrics

Annual Quarterly

Line Item	3Y	5Y	10Y	FY2026 (G)	TTM	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018	FY2017	FY2016	FY2015	FY2014	FY2013	FY2012	FY2011	FY2010	FY2009	FY2008	FY2007
Revenue	+6.1%	+7.4%	+15.0%	—	$20.8B	$21.19B	$20.46B	$19.09B	$17.74B	$16.23B	$14.85B	$10.19B	$5.82B	$5.7B	$5.51B	$5.25B	$5.07B	$4.81B	$4.44B	$4.29B	$4.13B	$4.08B	$4.59B	$3.68B
Net Interest Income	—	—	—	—	—	—	—	-$976M	-$733M	-$693M	-$709M	-$473M	-$189M	-$175M	—	—	—	—	—	—	—	—	—	—
Rental Income	-5.4%	-1.7%	—	—	—	$236M	$243M	$259M	$279M	$297M	$257M	$36M	—	—	—	—	—	—	—	—	—	—	—	—
Cost of Revenue	—	—	—	—	—	—	—	—	—	—	—	—	$745M	$733M	$747M	$731M	$717M	$695M	$628M	$601M	$533M	$536M	$917M	$979M
Gross Profit	—	—	—	—	—	—	—	—	—	—	—	—	$5.08B	$4.96B	$4.76B	$4.52B	$4.35B	$4.12B	$3.81B	$3.69B	$3.6B	$3.54B	$3.67B	$2.7B
Gross Margin	—	—	—	—	—	—	—	—	—	—	—	—	87.21%	87.13%	86.43%	86.09%	85.85%	85.56%	85.84%	85.99%	87.1%	86.85%	80.01%	73.38%
Selling, General & Administrative	+4.3%	+4.0%	+20.9%	—	$7.4B	$6.88B	$6.56B	$6.58B	$6.06B	$5.81B	$5.65B	$3.28B	$1.23B	$1.15B	$1.1B	$1.03B	$975M	$977M	$824M	$795M	$740M	$751M	$813M	$513M
Amortization of Intangibles	-1.4%	-2.1%	—	—	$2.34B	$2.3B	$2.3B	$2.4B	$2.4B	$2.55B	$2.56B	$1.3B	$347M	$326M	—	—	—	—	—	—	—	—	—	—
Depreciation & Amortization	—	—	—	—	—	—	—	$3.16B	$3.21B	$3.25B	$3.26B	$1.78B	$556M	$444M	$421M	$417M	$404M	$403M	$350M	$345M	$339M	$333M	—	—
Total Costs & Expenses	+3.2%	+3.4%	+14.6%	—	$23.07B	$15.38B	$14.58B	$14.08B	$14B	$13.94B	$13B	$8.58B	$4.07B	$4.16B	$4.06B	$3.94B	$3.86B	$3.75B	$3.39B	$3.3B	$3.13B	$3.13B	$3.68B	$2.94B
Operating Income	+15.9%	+25.7%	+16.1%	—	-$2.27B	$5.82B	$5.88B	$5.01B	$3.74B	$2.29B	$1.85B	$1.61B	$1.75B	$1.53B	$1.45B	$1.31B	$1.21B	$1.06B	$1.05B	$990M	$1.01B	$946M	$908M	$736M
Operating Margin	—	—	—	—	—	27.45%	28.74%	26.26%	21.09%	14.1%	12.47%	15.79%	30.1%	26.9%	26.25%	24.95%	23.88%	22.04%	23.62%	23.08%	24.36%	23.2%	19.8%	20.02%
EBITDA	—	—	—	—	—	—	—	$8.18B	$6.95B	$5.54B	$5.11B	$3.39B	$2.31B	$1.98B	$1.87B	$1.73B	$1.61B	$1.46B	$1.4B	$1.34B	$1.35B	$1.28B	—	—
Interest Expense	+27.1%	+16.4%	+24.6%	—	$1.47B	$1.53B	$1.24B	$1B	$746M	$696M	$716M	$507M	$193M	$176M	$163M	$170M	$164M	$163M	$174M	$188M	$198M	$220M	$260M	$76M
Interest Income	+43.0%	+40.3%	—	—	$40M	$38M	$43M	$28M	$13M	$3M	$7M	$34M	$4M	$1M	—	—	—	—	—	$6M	$10M	$8M	$13M	$7M
Other Non-Operating Income	—	—	—	—	$40M	-$61M	-$178M	-$140M	-$94M	$71M	$28M	-$6M	$9M	$1M	—	—	—	—	—	—	—	—	—	—
Equity in Earnings of Unconsolidated Entities	-44.8%	—	+1.5%	—	$68M	$37M	-$685M	-$15M	$220M	$100M	$0	$29M	$10M	$32M	$147M	$32M	$91M	$80M	$11M	$18M	$14M	$12M	$6M	$0
Pretax Income	+13.5%	+29.5%	+15.0%	—	-$3.47B	$4.26B	$4.51B	$3.9B	$2.91B	$1.67B	$1.17B	$1.08B	$1.56B	$1.36B	$1.28B	$1.06B	$1.05B	$898M	$881M	$723M	$793M	$734M	$640M	$667M
Income Tax	+13.8%	+32.8%	+8.0%	—	$519M	$811M	$641M	$754M	$551M	$363M	$196M	$198M	$378M	$158M	$492M	$377M	$384M	$328M	$300M	$254M	$301M	$273M	$288M	$255M
Net Income	+11.2%	+29.4%	+17.2%	—	-$3.93B	$3.48B	$3.13B	$3.07B	$2.53B	$1.33B	$958M	$893M	$1.19B	$1.25B	$930M	$712M	$754M	$648M	$611M	$472M	$496M	$476M	$569M	$439M
Net Margin	—	—	—	—	—	16.42%	15.31%	16.07%	14.26%	8.22%	6.45%	8.77%	20.38%	21.88%	16.89%	13.55%	14.88%	13.46%	13.77%	11%	12%	11.68%	12.4%	11.94%
Net Income Attributable to Noncontrolling Interests	-42.3%	-10.1%	—	—	$9M	$10M	$49M	$61M	$52M	$69M	$17M	$21M	$0	$0	—	—	—	—	—	—	—	—	—	—
Comprehensive Income	+23.3%	+39.1%	+18.8%	—	-$3.95B	$3.91B	$2.5B	$3.47B	$2.09B	$976M	$751M	$780M	$1.17B	$1.27B	$928M	$701M	$751M	$648M	$629M	$444M	$515M	$527M	—	—
EPS (Basic) USD/shares	+17.3%	+35.0%	+7.7%	—	-$7.40	$6.36	$5.41	$5.02	$3.94	$2.01	$1.42	$1.74	$2.93	$2.95	$2.11	$3.04	$3.03	$2.47	$2.25	$1.66	$3.30	$3.08	$3.51	$2.64
EPS (Diluted) USD/shares	+17.5%	+35.3%	+7.8%	$7.20 – $7.40*	-$7.42	$6.34^G	$5.38^G	$4.98^G	$3.91^G	$1.99^G	$1.40^G	$1.71	$2.87	$2.89	$2.08	$2.99	$2.98	$2.44	$2.22	$1.64	$3.27	$3.06	$3.49	$2.60
Shares Outstanding (Basic Avg) shares	-5.2%	-4.0%	+8.9%	—	—	547.1M	578.7M	611.7M	642.3M	662.6M	672.1M	512.3M	405.5M	422.3M	440.6M	233.9M	248.6M	262.4M	271.6M	285.1M	150.4M	154.5M	162M	166.6M
Shares Outstanding (Diluted Avg) shares	-5.4%	-4.3%	+8.7%	—	—	549M	582.1M	615.9M	647.9M	671.6M	683.4M	522.6M	413.7M	431.3M	447.8M	238M	252.7M	266.1M	275M	288.4M	151.7M	155.4M	163.1M	168.8M

Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing. TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative. (G): the company's own guidance — a (G) column is a guided period not yet reported; a G marker shows how the reported figure landed against the guided range. Non-GAAP-basis guidance (*) is shown as stated and never judged against GAAP actuals.

Capital Returned to Shareholders

Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2007–FY2018: $10.33B in buybacks.

Debt Profile

Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.

Read debt and covenant terms in your AI or your code through MCP and the API →

Reported debt balances

Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.

Reported balance	As of	Amount	Source
Current debt and lease obligations	2026-09-30	USD 1,254,000,000	10-Q filed 2026-11-04
Current long-term debt and lease obligations	2026-09-30	USD 1,254,000,000	10-Q filed 2026-11-04
Current operating lease liabilities	2026-09-30	USD 112,000,000	10-Q filed 2026-11-04
Noncurrent long-term debt and lease obligations	2026-09-30	USD 25,809,000,000	10-Q filed 2026-11-04

Instrument and agreement coverage is incomplete. Additional filings are awaiting review.

1 filing has incomplete source or extraction coverage. Verified observations are shown; missing observations do not establish that debt was unchanged.

Covenants

Covenant terms have not yet been verified for this profile.

The balance figures do not establish whether covenants apply or whether the company complies with them.

Loans, facilities and notes

3.750% Senior Notes due 2030

Note · Fiserv, Inc.

Reference: 3.750% Senior Notes due 2030

Active

Original principal: EUR 500,000,000
Outstanding: —
Commitment: —
Availability: —
Maturity: Oct 15, 2030

Last reported interest terms: 3.75% Reported 2026-06-23 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history

Issuance · 8-K · 2026-06-23 — 8-K

Issuance · 2026-06-23 Original principal EUR 500,000,000 Exact source document Parent 8-K filing · 2026-06-23
On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Issuer evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Supporting evidence: The 2030 Notes Supplemental Indenture and the form of the 2030 Notes that is included therein provide, among other things, that the 2030 Notes bear interest at a rate of 3.750% per year (payable annually in arrears on October 15 of each year, beginning on October 15, 2026) and will mature on October 15, 2030. The 2034 Notes Supplemental Indenture and the form of the 2034 Notes that is included therein provide, among other things, that the 2034 Notes bear interest at a rate of 4.250% per year (payable annually in arrears on June 23 of each year, beginning on June 23, 2027) and will mature on June 23, 2034.

Supporting evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Supporting evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

4.250% Senior Notes due 2034

Note · Fiserv, Inc.

Reference: 4.250% Senior Notes due 2034

Active

Original principal: EUR 500,000,000
Outstanding: —
Commitment: —
Availability: —
Maturity: Jun 23, 2034

Last reported interest terms: 4.25% Reported 2026-06-23 Later filings may not restate these terms; this does not confirm they still apply.

Covenant terms for this agreement are not yet verified.

Documents and filing history

Issuance · 8-K · 2026-06-23 — 8-K

Issuance · 2026-06-23 Original principal EUR 500,000,000 Exact source document Parent 8-K filing · 2026-06-23
On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Issuer evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Supporting evidence: The 2030 Notes Supplemental Indenture and the form of the 2030 Notes that is included therein provide, among other things, that the 2030 Notes bear interest at a rate of 3.750% per year (payable annually in arrears on October 15 of each year, beginning on October 15, 2026) and will mature on October 15, 2030. The 2034 Notes Supplemental Indenture and the form of the 2034 Notes that is included therein provide, among other things, that the 2034 Notes bear interest at a rate of 4.250% per year (payable annually in arrears on June 23 of each year, beginning on June 23, 2027) and will mature on June 23, 2034.

Supporting evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Supporting evidence: On June 23, 2026, Fiserv, Inc. (the “Company”) completed the public offering and issuance of €500,000,000 aggregate principal amount of its 3.750% Senior Notes due 2030 (the “2030 Notes”) and €500,000,000 aggregate principal amount of its 4.250% Senior Notes due 2034 (the “2034 Notes” and, together with the 2030 Notes, the “Notes”).

Price & Valuation

Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.

Valuation

EV/Revenue

2.91×

EV/EBIT

—

P/E (TTM)

—

Price/Sales (TTM)

1.58×

Price/Book

1.59×

Valuation over time computed as of each quarter's filing date

Revenue Breakdown

Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.

Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.

By Segment (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Merchant Solutions Segment	$10,140,000,000	$9,631,000,000	$8,722,000,000	$7,883,000,000	—	—	—	—
Financial Solutions Segment	$9,664,000,000	$9,477,000,000	$9,101,000,000	$8,681,000,000	—	—	—	—
Acceptance Segment	—	—	$8,132,000,000	$7,292,000,000	$6,479,000,000	—	—	—
Financial Institution Services Segment	—	—	$3,171,000,000	$3,170,000,000	$3,022,000,000	—	—	—
Fintech Segment	—	—	$3,171,000,000	$3,170,000,000	$3,022,000,000	—	—	—
First Data Segment	—	—	$8,132,000,000	$7,292,000,000	$6,479,000,000	—	—	—
Payments Segment	—	—	$6,696,000,000	$6,262,000,000	$5,833,000,000	$5,504,000,000	$3,909,000,000	$2,408,000,000
Acceptance Segment	—	—	—	$7,292,000,000	$6,479,000,000	$5,522,000,000	$2,571,000,000	—
Financial Institution Services Segment	—	—	—	$3,170,000,000	$3,022,000,000	$2,901,000,000	$2,942,000,000	$2,917,000,000
Fintech Segment	—	—	—	$3,170,000,000	$3,022,000,000	$2,901,000,000	$2,942,000,000	$2,917,000,000
First Data Segment	—	—	—	$7,292,000,000	$6,479,000,000	$5,522,000,000	$2,571,000,000	$0

By Product & Service (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Processing and Services	$16,879,000,000	$16,637,000,000	$15,630,000,000	$14,460,000,000	—	—	—	—
Product	$4,314,000,000	$3,819,000,000	$3,463,000,000	$3,277,000,000	—	—	—	—
Hardware Print and Card Production	—	—	—	—	$1,787,000,000	$1,536,000,000	$832,000,000	$345,000,000
License and Termination Fees	—	—	—	—	$298,000,000	$285,000,000	$325,000,000	$313,000,000
Output Solutions Postage	—	—	—	—	$860,000,000	$864,000,000	$572,000,000	$308,000,000
Processing	—	—	—	—	$11,584,000,000	$10,528,000,000	$6,863,000,000	$3,408,000,000
Professional Services	—	—	—	—	$779,000,000	$728,000,000	$669,000,000	$577,000,000
Software Maintenance	—	—	—	—	$568,000,000	$568,000,000	$588,000,000	$595,000,000
Product And Service Other	—	—	—	—	$350,000,000	$343,000,000	$338,000,000	$277,000,000

Segment Operating Income

Annual operating income by business segment, as tagged in the company's own XBRL filings. Segments need not sum to the consolidated figure — corporate costs and eliminations are typically unallocated.

By Segment (USD)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Financial Solutions Segment	$4,380,000,000	$4,485,000,000	$4,178,000,000	$3,806,000,000	—	—	—	—
Merchant Solutions Segment	$3,502,000,000	$3,561,000,000	$2,974,000,000	$2,441,000,000	—	—	—	—
Financial Institution Services Segment	—	—	$1,159,000,000	$1,157,000,000	$1,081,000,000	$992,000,000	$885,000,000	$851,000,000
First Data Segment	—	—	$2,856,000,000	$2,321,000,000	$1,996,000,000	$1,427,000,000	$764,000,000	$0
Payments Segment	—	—	$3,189,000,000	$2,823,000,000	$2,557,000,000	$2,361,000,000	$1,658,000,000	$1,081,000,000

Operating Margin by Segment (%)

Component	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Merchant Solutions Segment	34.5%	37%	34.1%	31%	—	—	—	—
Financial Solutions Segment	45.3%	47.3%	45.9%	43.8%	—	—	—	—
Financial Institution Services Segment	—	—	36.5%	36.5%	35.8%	—	—	—
First Data Segment	—	—	35.1%	31.8%	30.8%	—	—	—
Payments Segment	—	—	47.6%	45.1%	43.8%	42.9%	42.4%	44.9%

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