Nov 10
Investor event
Citi’s 15th Annual FinTech Conference
FISV · Fiserv Inc
$63.78
+2.28 (+3.71%)
At close · Nov 13
Return incl. dividend (before tax)
Market Cap
$33.93B
Shares
532.05M
Volume · Nov 13
6.93M
Avg daily vol (3M)
6.94M
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Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$63.78
Open$61.48
Day$61.48–64.01
52W close$44.36–69.85
Avg vol 30d7.2M
Short int24.2M · 4.5% of shares · 4.5d
Short vol37%
Last earningsNov 3, 2026
DataJan 2020–Nov 2026
Filing10-Q · Nov 4
Up next
Feb 9, 2027
Est · unconfirmed
· in 12 wks
Latest documents
2026
Nov 4
Quarterly report
10-Q
FY2026 Q3, ended Sep 30
$6.45 billion impairment drives $5,941 million quarterly loss
Fiserv recorded a $6.45 billion non-cash goodwill impairment during the three months ended September 30, 2026, contributing to a $5,941 million net loss attributable to the company as revenue declined 1% to $5,196 million.
Revenue $5.2B
▼ 1.3%
Net loss $5.94B
Diluted EPS -$11.17
Nov 3
Earnings call
Savings target raised to $1 billion; $500 million buyback planned
Fiserv reported Q3 adjusted revenue of $4.85 billion, down 1%, with organic revenue flat. It raised Project Elevate savings opportunities to $1 billion, plans a $500 million fourth-quarter share repurchase, and expects Q4 merchant revenue growth of 6% to 8%.
Nov 3
Current report
8-K
Impairment drives third-quarter loss; outlook affirmed
Fiserv reported a third-quarter GAAP loss per share of $(11.17), driven by a $6.45 billion non-cash goodwill impairment, and affirmed its 2026 adjusted EPS outlook of $7.20 to $7.40.
Oct 23
Current report
8-K
Events of Oct 22
Director or officer change, or executive pay
Fiserv, Inc. appointed Raj Seshadri to its board effective November 30, 2026. Henrique De Castro will not stand for re-election at the 2027 annual shareholder meeting and will remain a director until then.
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$20.80B
Trailing 12 months
Net income (TTM)
−$3.93B
Trailing 12 months
Revenue growth YoY
-1.3%
Year over year
Operating margin
-10.9%
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
9.3%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
−$26.52B
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-1.8%
Year over year · fewer shares
Price change (1Y)
-1.2%
Trailing year
Short interest
4.5%
Latest settlement · 4.5 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY26 earnings call · Aug 6, 2026
Q2 FY26
TL;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.
Bullish
- + 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.
Bearish
- − 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.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Moderate
Market backdrop
VIX 19.3 · elevated
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+27%
above
RSI (14)
75
overbought
MACD trend
Positive
52-week position
76%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+34%
trailing
6-month return
+15%
trailing
YTD return
−5%
this year
Relative strength
+14%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $50 › 200d $54 — 200d above 50d
Institutional flow
Distributing
1,025 of 1,168 funds reported for Sep 30 · net -2.7M sh shares · +61 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.55% of shares out · ▼ -14.6% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,168 holders — near 3-yr low, contrarian setup
Squeeze score
56
elevated · 0–100
Fundamentals
Revenue growth
+4%
Y/Y
EPS growth
+18%
Y/Y
Free cash flow
$4.3B
Buyback
$75.0M
authorized
Balance sheet
$28.2B
net debt
Quant / Vol
risk profile
Volatility
40%
annualized · 1-yr
Max drawdown
−36%
past year
ATR
3.3%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Aug 6, 2026
full year
Adjusted operating margin
Non-GAAP
Lowered
31% – 31.5%
May 5, 2026
34%
changed to
Aug 6, 2026
31% – 31.5%
for the year
Adjusted effective tax rate
Non-GAAP
19%
2026
Clover GPV growth excluding gateway conversion
Non-GAAP
10% – 15%
Adjusted EPS
Non-GAAP
Lowered
$7.20 – $7.40
May 5, 2026
$8.00 – $8.30
changed to
Aug 6, 2026
$7.20 – $7.40
medium-term
Clover revenue growth
Non-GAAP
15% – 20%
Previous outlook
earlier release
· from the 8-K filed May 5, 2026
Still-open targets the latest release did not restate under the same label.
Organic revenue growth
· 2026
1% – 3%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+27%
Bullish
RSI (14)
75
Bearish
MACD trend
Positive
Bullish
52-week position
76%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $50 › 200d $54 — 200d above 50d
Institutional flow
Distributing
1,025 of 1,168 funds reported for Sep 30 · net -2.7M sh shares · +61 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
4.55% of shares out · ▼ -14.6% MoM · 4.5 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr low
1,168 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $44
Now $64 · 76%
Range high $70
vs 200-day avg +17%
vs 50-day avg +27%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per share non-GAAP | $3.63 | Six Months Ended June 30, 2026 | — |
| Adjusted net income non-GAAP | $1.94B | Six Months Ended June 30, 2026 | — |
| Adjusted operating income non-GAAP | $2.97B | Six Months Ended June 30, 2026 | — |
| Adjusted operating margin non-GAAP | 30.8% | first six months of 2026 | — |
| Adjusted operating margin (Financial Solutions) non-GAAP | 38.7% | second quarter of 2026 | — |
| Adjusted operating margin (Merchant Solutions) non-GAAP | 30% | second quarter of 2026 | — |
| Free cash flow non-GAAP | $1.36B | first six months of 2026 | — |
| Total amortization non-GAAP | $1.31B | Six Months Ended June 30, 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| FISV | +1.4% | +34.1% | +14.7% | +27.5% | -5.1% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -1.2% | +35.3% | +14.2% | +27.7% | -15.7% |
Capital returns
Buyback program
· as of Feb 22, 2023
Authorized
$75.00M
Spent (derived)
—
Remaining
—
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.
Key facts
CIK
798354
CUSIP
337738108
13F (30d)
871 filings
792 filers
Visit website
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