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Fiserv Is Set to Report Q3 Earnings: Here's What Investors Should Know

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Key Takeaways

  • Fiserv's Q3 revenues are projected at $4.8B, down 1.6% y/y, while EPS is likely to dip 15.7% to $1.72.
  • Merchant solutions face pressure from Argentina's economic setback, lower hardware sales and client delays.
  • Financial solutions face customer exits and onboarding delays, with operating income likely to dip 15.9%.

Fiserv (FISV - Free Report) is scheduled to release third-quarter 2026 results on Nov. 3, before market open.

FISV has outpaced the Zacks Consensus Estimate in two of the trailing four quarters and missed twice, with an average negative surprise of 1.7%.

Fiserv, Inc. Price and EPS Surprise

Fiserv, Inc. Price and EPS Surprise

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

Fiserv’s Q3 Expectations

The Zacks Consensus Estimate for revenues is $4.8 billion, relative to the year-ago quarter’s $4.9 billion. The consensus mark suggests a 1.6% fall from the year-ago quarter’s actual. The consensus estimate for merchant solutions revenues is pinned at $2.6 billion, hinting at a marginal dip from the year-ago quarter’s actual. Economic setback in Argentina is anticipated to have pressured this segment.

Other factors that are likely to have resulted in the decline include lower hardware sales and sloppy enterprise client implementations. The Zacks Consensus Estimate for merchant solutions operating income is $789.4 million against the year-ago quarter’s $962 million. It marks an 18% year-over-year plunge.

For financial solutions, the consensus estimate for revenues is pegged at $2.3 billion, suggesting a 3.5% year-over-year decline. This deterioration is anticipated to have stemmed from rising non-recurring revenues. Sustained customer attrition in core banking, slower newly contracted business implementation and delays in enterprise client onboarding are factors that are likely to have led to this segment’s decline.

The Zacks Consensus Estimate for the financial solutions segment’s operating income is pegged at $833.8 million, while it registered $962 million in the year-ago quarter. This underscores a significant 15.9% year-over-year slide from the year-ago quarter’s actual.

The consensus estimate for earnings is pinned at $1.72 per share, suggesting a 15.7% year-over-year nose dive from the year-ago quarter’s actual of $2.04. Declining top line, elevated technology investments and operating margin contraction are anticipated to have affected the bottom line.

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 +0.23% and a Zacks Rank of 4 (Sell) at present.

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.

Corpay (CPAY - Free Report) : The Zacks Consensus Estimate for the company’s third-quarter 2026 revenues is $1.4 billion, indicating 16.1% year-over-year growth. For earnings, the consensus estimate is pinned at $7.18 per share, suggesting a 26% gain from the year-ago quarter’s actual. The company beat the Zacks Consensus Estimate in the past four quarters, the average surprise being 3.6%.

CPAY has an Earnings ESP of +1.07% and a Zacks Rank of 3 at present. You can see the complete list of today’s Zacks #1 Rank stocks here.

The company is scheduled to announce third-quarter 2026 results on Nov. 4.

Global Payments (GPN - Free Report) : The Zacks Consensus Estimate for the company’s third-quarter 2026 revenues is $3.2 billion, suggesting a 31% jump from the year-ago quarter’s actual. For earnings, the consensus mark is $3.57 per share, indicating 9.5% growth. GPN beat the consensus estimate for earnings in the trailing four quarters, with an average surprise of 1.6%.

GPN has an Earnings ESP of +1.25% and a Zacks Rank of 3 at present. The company is scheduled to declare third-quarter 2026 results on Nov. 5.

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