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Fiserv Gears Up to Report Q4 Earnings: Here's What You Should Know

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Key Takeaways

  • Fiserv is set to report Q4 results on Feb. 10, with consensus calling for $5B in revenues and EPS of $1.90.
  • FISV merchant revenues are estimated to rise 2.2% y/y to $2.6B; operating income will likely move down 14.8%.
  • FISV's financial segment is expected to post $2.4B in revenues and a 20% drop in operating income.

Fiserv, Inc. (FISV - Free Report) is scheduled to release fourth-quarter 2025 results on Feb. 10, before market open.

FISV has outpaced the Zacks Consensus Estimate in three of the trailing four quarters and missed once, with an average negative surprise of 4%.

Fiserv, Inc. Price and EPS Surprise

 

Fiserv, Inc. Price and EPS Surprise

Fiserv, Inc. price-eps-surprise | Fiserv, Inc. Quote

Fiserv’s Q4 Expectations

The Zacks Consensus Estimate for revenues is expected to rise marginally from that reported in the same quarter last year to $5 billion.

The Zack Consensus Estimate for adjusted revenues in the merchant segment is $2.6 billion. The metric is expected to rise 2.2% from the year-ago quarter's actuals. Strength in the Clover business, the North America ISV business and higher revenues in Latin America are likely factors that have aided this segment.

The consensus mark for operating income for the merchant segment is kept at $833.9 million, implying a 14.8% year-over-year decline.

For the financial segment, the consensus estimate for adjusted revenues is pegged at $2.4 billion, suggesting a 1.5% year-over-year dip. Robust debt processing, debt network and Zelle transaction growth are expected to have benefited this segment.

The Zacks Consensus Estimate for operating income for the financial segment is pegged at $992.3 million. The metric is likely to tank 20% from that reported in the year-ago quarter.

The consensus estimate for EPS is pinned at $1.9, hinting at a 24.3% year-over-year decrease.

What Our Model Says About FISV

Our proven model does not conclusively predict an earnings beat for Fiserv this time around. The combination of a positive Earnings ESP and a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold) increases the odds of an earnings beat. But that is not the case here. You can uncover the best stocks before they are reported with our Earnings ESP Filter.

Fiserv has an Earnings ESP of -0.55% and a Zacks Rank of 3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.

Stocks to Consider

Here are some stocks from the broader Business Services sector, which, according to our model, have the right combination of elements to beat on earnings this season.

Xylem (XYL - Free Report) : The Zacks Consensus Estimate for the company’s fourth-quarter 2025 revenues is pegged at $2.4 billion, indicating 5.4% year-over-year growth. For earnings, the consensus estimate is pegged at $1.42 per share, implying a 20.3% rise from the year-ago quarter’s actual. The company beat the consensus estimate in the trailing four quarters, with an average surprise of 8.7%.

XYL has an Earnings ESP of +0.88% and a Zacks Rank of 3 at present. The company is scheduled to declare its fourth-quarter 2025 results on Feb. 10.

Bitdeer Technologies Group (BTDR - Free Report) : The Zacks Consensus Estimate for fourth-quarter 2025 revenues is pegged at $209.9 million, hinting at a more than 100% upsurge from the year-ago quarter’s actual. For loss, the consensus mark is pegged at 14 cents per share, whereas it registered a loss of $3.22 per share in the year-ago quarter. BTDR missed the consensus estimate in the trailing four quarters, with an average negative surprise of 514.7%.

BTDR has an Earnings ESP of +30.91% and a Zacks Rank of 3 at present. It is scheduled to declare fourth-quarter 2025 results on Feb. 12.


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