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Fiserv Q4 EPS beat estimates, while adjusted revenues missed and fell 6.7% y/y.
FISV saw flat y/y processing revenues, 3.6% rise in product revenues and merchant solutions missing estimates.
FISV guided 2026 revenue growth of 1-3% and EPS of $8-$8.3, with cash and debt down q/q.
Fiserv, Inc. (FISV - Free Report) has reported mixed fourth-quarter 2025 results, wherein earnings beat the Zacks Consensus Estimate, while revenues missed the same.
FISV’s adjusted earnings per share of $1.99 surpassed the consensus mark by 4.7% but declined 20.7% year over year. Adjusted revenues of $4.9 billion missed the consensus estimate by 1% and dipped 6.7% on a year-over-year basis.
Fiserv’s stock has declined 54.5% in the past six months compared with the industry’s 15.2% drop and against the Zacks S&P 500 composite’s rise of 12.3%.
FISV reported $4.3 billion in processing and services revenues. The metric moved down marginally on a year-over-year basis while meeting the Zacks Consensus Estimate. Revenues in the product segment were $1 billion, rising 3.6% from the year-ago quarter and beating the consensus estimate of $999.6 million.
FISV recorded $2.5 billion in adjusted revenues from merchant solutions, up 1.5% year over year. However, the metric missed the consensus mark of $2.6 billion. The company registered $816 million in operating income, down 1.6% year over year and missing the consensus estimate of $833.9 million.
From the financial solutions segment, Fiserv logged adjusted revenues of $2.4 billion, marking a 1.6% decrease from the year-ago quarter and surpassing the Zacks Consensus Estimate of $2.4 billion. The company recorded $997 million in operating income, declining 19.7% year over year. The metric beat the Zacks Consensus Estimate of $992.3 million.
Balance Sheet & Cash Flow of FISV
Fiserv exited the fourth quarter with cash and cash equivalents of $798 million compared with $1.1 billion in the third quarter of 2025. The long-term debt was $27.8 billion compared with $28.9 billion in the preceding quarter.
FISV generated $1.9 billion in net cash from operating activities, whereas its free cash flow was $1.6 billion. Capital expenditure was $442 million.
Fiserv's 2026 Guidance
For 2026, management anticipates organic revenue growth of 1-3%. The guidance for EPS is $8-$8.3. The mid-point ($8.15) of the guided range is higher than the consensus mark of $8.12.
Gartner, Inc. (IT - Free Report) has reported fourth-quarter 2025 results, wherein earnings and revenues surpassed the Zacks Consensus Estimate.
IT’s adjusted earnings per share of $3.94 beat the Zacks Consensus Estimate by 12.6% but decreased 27.7% from the year-ago quarter. Revenues of $1.8 billion beat the consensus estimate by a slight margin and improved 2.2% year over year.
EFX posted $2.09 in EPS, beating the Zacks Consensus Estimate by 2.2%. This marked a 1.4% dip from the fourth quarter of 2025. The company recorded $1.6 billion in its top line, surpassing the consensus estimate by 1.3%. Revenues spiked 9.1% from the year-ago quarter’s actual.
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Fiserv Q4 Earnings Beat Estimates, Revenues Decline 7% Y/Y
Key Takeaways
Fiserv, Inc. (FISV - Free Report) has reported mixed fourth-quarter 2025 results, wherein earnings beat the Zacks Consensus Estimate, while revenues missed the same.
FISV’s adjusted earnings per share of $1.99 surpassed the consensus mark by 4.7% but declined 20.7% year over year. Adjusted revenues of $4.9 billion missed the consensus estimate by 1% and dipped 6.7% on a year-over-year basis.
Fiserv’s stock has declined 54.5% in the past six months compared with the industry’s 15.2% drop and against the Zacks S&P 500 composite’s rise of 12.3%.
Fiserv, Inc. Price, Consensus and EPS Surprise
Fiserv, Inc. price-consensus-eps-surprise-chart | Fiserv, Inc. Quote
Fiserv's Quarterly Details
FISV reported $4.3 billion in processing and services revenues. The metric moved down marginally on a year-over-year basis while meeting the Zacks Consensus Estimate. Revenues in the product segment were $1 billion, rising 3.6% from the year-ago quarter and beating the consensus estimate of $999.6 million.
FISV recorded $2.5 billion in adjusted revenues from merchant solutions, up 1.5% year over year. However, the metric missed the consensus mark of $2.6 billion. The company registered $816 million in operating income, down 1.6% year over year and missing the consensus estimate of $833.9 million.
From the financial solutions segment, Fiserv logged adjusted revenues of $2.4 billion, marking a 1.6% decrease from the year-ago quarter and surpassing the Zacks Consensus Estimate of $2.4 billion. The company recorded $997 million in operating income, declining 19.7% year over year. The metric beat the Zacks Consensus Estimate of $992.3 million.
Balance Sheet & Cash Flow of FISV
Fiserv exited the fourth quarter with cash and cash equivalents of $798 million compared with $1.1 billion in the third quarter of 2025. The long-term debt was $27.8 billion compared with $28.9 billion in the preceding quarter.
FISV generated $1.9 billion in net cash from operating activities, whereas its free cash flow was $1.6 billion. Capital expenditure was $442 million.
Fiserv's 2026 Guidance
For 2026, management anticipates organic revenue growth of 1-3%. The guidance for EPS is $8-$8.3. The mid-point ($8.15) of the guided range is higher than the consensus mark of $8.12.
Fiserv carries a Zacks Rank #3 (Hold) at present. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Earnings Snapshots
Gartner, Inc. (IT - Free Report) has reported fourth-quarter 2025 results, wherein earnings and revenues surpassed the Zacks Consensus Estimate.
IT’s adjusted earnings per share of $3.94 beat the Zacks Consensus Estimate by 12.6% but decreased 27.7% from the year-ago quarter. Revenues of $1.8 billion beat the consensus estimate by a slight margin and improved 2.2% year over year.
Equifax Inc.(EFX - Free Report) has reported impressive fourth-quarter 2025 results.
EFX posted $2.09 in EPS, beating the Zacks Consensus Estimate by 2.2%. This marked a 1.4% dip from the fourth quarter of 2025. The company recorded $1.6 billion in its top line, surpassing the consensus estimate by 1.3%. Revenues spiked 9.1% from the year-ago quarter’s actual.